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Archive for February, 2012

Planning ahead

February 19th, 2012 at 05:47 am

I decided to start building a stock pile in anticipation to my DS#2 going away to a technical school in September. He will be on his own for over a year. The school that he is going to has no dorms so we will have to rent an apartment for him. We are hoping to get two other room mates to share the living costs. Two of his high school classmates are going to the same school. I'm teaching him how to cook certain easy-to-make meals and I'm sharing tips on stretching food budget. I don't want him to fall into the eating out trap. Not only is it expensive but very unhealthy.


I also began planning my DS#2 high school graduation party. I've already have a list of food I'll be serving and I will begin making food that I can prepare ahead and freeze. Our local supermarket has 2 litter Pepsi bottles for a buck a piece and tomorrow I'll be picking up this deal for the party. I figured that planning ahead will help me stretch a dollar.

Lastly, I leave you with Dave Ramsey's advice to a caller: "The trick is donít be afraid to be weird and donít fall for the cultureís input on your finances, because the culture is freaking broke. Weird is a good thing." (love this)

Moving on to ...

February 18th, 2012 at 07:07 am

Year 2014 of our mortgage amortization table. Technically we have 12 years left on the mortgage if we choose not make extra principal payments anymore. Honestly, I'm addicted to seeing the principal go down every time I make a payment. So liberating!


This is a long weekend for me; Friday and Monday off. Tomorrow, I'm heading to New York City to see The Lion King on Broadway with my girlfriend, her mom and daughter. We'll be taking the train, which is kind of pricey but stress-free. I'm sure we'll have dinner there also. I consider these outings life's little pleasures.

Enjoy your weekend!

February 1st-15th debt repayment

February 17th, 2012 at 05:06 am

So far this month:
extra mortgage principal= $786.40 Goal is $1,400.00

2012 mortgage extra principal total=$6,508.60 Smile

car loan extra principal= $400.00 Smile
Balance: 20,715.00

I will resume my 403B contributions as of 2/29/12. Retirement contributions represent a little over 20% of my gross income (ROTH IRA/403B) Smile

I'm excited about our progress and hope to continue gazelle intense.

Have a great weekend!

The reason of my frugality

February 4th, 2012 at 03:03 pm

I found this video last week and it pretty much sums up one of the reasons I do the things I do with my family's money. I actually live in the same county the featured family is from.