Fru-Gal Friends

Subject: Re: New Year resolutions Sat 08 Dec 2007, 12:06 pm

Great M I am happy for you
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Gayla

"They take great pride in making their dinner cost much; I take my pride in making my dinner cost so little."

---Henry David Thoreau (1817-1862)

Subject: Re: New Year resolutions Tue 11 Dec 2007, 8:10 pm

I've got even better news!
I got something in the mail today for 4.99% on balance transfer for the life of the "loan." The last one I was approved for was 5.99%. I went online to see if I could get it, and I got approved!!!!! YIPPEE!

I will cancel the credit card for the 5.99% balance transfer when I get it in the mail, and use the 4.99%. I wanted an interest rate lower than our mortgage, and our mortgage rate is at 5.99%, so I have met my goal.

The 1% difference saves me $120.00/year for however many years it takes to pay off the balance.

I am so excited...

~M
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"It is not how much money you make - it is how you spend it."

Group Weight Loss Goal for June (updated as of Wednesdayd, July 2nd):

Subject: Re: New Year resolutions Tue 11 Dec 2007, 8:54 pm

Great m I am happy for you!
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Vicki

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Subject: Re: New Year resolutions Tue 11 Dec 2007, 10:38 pm

great deal M .. happy for you
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Gayla

"They take great pride in making their dinner cost much; I take my pride in making my dinner cost so little."

---Henry David Thoreau (1817-1862)

Subject: Re: New Year resolutions Wed 12 Dec 2007, 2:43 am

Great M!!! What a thrill to find an even better deal!
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~ By sowing frugality we reap liberty, a golden harvest. --Agesilaus ~

Moderator Age : 27 Joined : 12 Oct 2006 Posts : 1790

Good for you M! It's great that you are on top of all that! Smile

Subject: Re: New Year resolutions Fri 28 Dec 2007, 7:28 am

I got one more thing off of my New Year's Resolution list!
Today, I got paid...and there is more money than usual, which means I got a bonus from work!

SO...
New Years resolution #1 (Accumulate emergency fund) is complete!
New Years resolution #3 (consolidate credit cards to lower interest for life of balance transfer) was completed yesterday!

I have a list of realtors in the Akron area that I would like to start calling this weekend to see about renting out the Akron house... I just have to be motivated enough to make the calls.

I have been thinking of an updated New Years Resolution list at work, and I have many more items to add. I will post it later when I get home from work.

This is going to be my PRODUCTIVE year for once.

~M

Moderator Age : 27 Joined : 12 Oct 2006 Posts : 1790

Your on a roll M!! Good for you!

Subject: Re: New Year resolutions Fri 28 Dec 2007, 8:32 am

Congratulations, m. It looks like 2008 is already starting out good for you. Keep up the good work.

Subject: Re: New Year resolutions Fri 28 Dec 2007, 10:03 am

My list (revised):

• Read Bible // Listen to Christian Music // Listen to Christian Seminars on CD in car
• Lose Weight
• Cancel credit cards / get name changed on ones that I will be keeping (Home Depot/Lowes : no more than 5)
• Sell/Rent out Akron House
• Create Cleaning Schedule
• Stick to Cash Budget
• Emergency Fund of at least $500
• Pay off : Todd’s car & Van in 2008
• Cook enough food in one weekend to eat for at least 1 ½ weeks.
o Try new recipes
o Create a weekly dinner schedule
• Grocery shop only 2 times a month & stick only to the list!
• Walk at least 30 minutes a day
• Only 1 hour of TV a day during week : the rest of my time is to be put toward hubby, Squiggy, cleaning, crafts, reading, gardening, etc.
• Create a garden with many vegetables including potatoes for Squiggy
• Read at least one financial/frugal book a month
• Brush teeth 3 times a day
• Learn to sew
• Start a website? Business?
• Organize my junk / throw away what I don’t want/need (or put in “garage sale” bin)
• Kiko Auctions – try to go to at least 5 or 6 throughout the year
• Go to Roger’s Flea Market with family at least 2-3 Fridays in the Summer
• Do one craft a month for Christmas gifts next year
o Bread in a jar
o Cherries in Bourbon
o Hot Cocoa Mix
o Lights & Potporri in a jar
o Christmas Tree with lights
o Baby Clothes Quilt?
_________________
"It is not how much money you make - it is how you spend it."

Group Weight Loss Goal for June (updated as of Wednesdayd, July 2nd):

Moderator Age : 27 Joined : 12 Oct 2006 Posts : 1790

WHEWW!!!! You are an ambitious one, my friend! I can barely breathe after reading all of that! WOW! Good luck and I'm sure you will do great!

I'm still sticking with the schedule and organizing ...I would also like to add to do a btter job as a teacher and example for my kids...and to deepen my relationship with the Lord.

Subject: Re: New Year resolutions Fri 28 Dec 2007, 12:25 pm

WOW M. That's one 'serious' list you have there! Phew! Shocked

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~ By sowing frugality we reap liberty, a golden harvest. --Agesilaus ~

Subject: Re: New Year resolutions Sat 29 Dec 2007, 8:49 pm

I have a few things I want to do in the upcoming year.

I want to learn to make spaghetti sauce from scratch
I want to have a yard sale
I want to bring my lunch to work at least 75% of the time

Subject: Re: New Year resolutions Sat 29 Dec 2007, 10:44 pm

Great to see you posting DF. I have missed you! Hope you are doing well.

M- you sure have a lot cut out for you but I know you can and will do it!
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Vicki

[/url]

Subject: Re: New Year resolutions Sun 30 Dec 2007, 4:36 am

OOOHH!!! DF...a yardsale sounds like fun Very Happy

It'd involve a fair bit of work though, there're many sites on the internet offering advice on how to make it run as smoothly as possible, most important was to make sure everything was priced, people hate to have to keep asking. You can label/price items individually or put things on 'set' price tables but you'd have to be careful people didn't move things around on you! I researched before we had one a few years ago. I enjoyed it but was disappointed with some items we had left over.
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~ By sowing frugality we reap liberty, a golden harvest. --Agesilaus ~