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2007 $ 20 Dollar Challenge

December 31st, 2006 at 05:48 pm

Okay! I have taken twenty dollars from my wallet and I have put it in an envelope along with and index card.(I write the deposit amount down and put the money into checking and then over to my new Emigrant Savings Account.)

My challenge is to put twenty dollars a week away for the year 2007 Challenge. I will look to complete the challenge by saving money or raising a little extra cash during the week!.

The 20 dollars will be in addition to my regular savings! So I guess the goal is a minimum of $1040.00 dollars by this time next year!

Cone on gang! Who else will join the 20 dollar challenge for 2007?Smile

End of Year and I am OPTIMISTIC!!!:D

December 31st, 2006 at 05:34 am

Well it is officially the last day of the year! I am feeling pumped as the new year is ready to get started!

I know this year can be a good one not only for me but for everyone else here!

I am pumped and prepped to save!

I am pumped and prepped to lose weight!

I am just psyched up as the new year starts!

It is now a time to get ready for the 2007 20 Dollar Challenge!

It is time to cut costs and keep as much of my money as possible!

Jeff and Nate are making this place into something very special!

You folks are making this place into something special!

Can we save money! YES WE CAN!

Can we get rid of debt? YES WE CAN

Can we accomplish our goals? YES WE CAN!

Let's go team!Smile

Interesting day!

December 30th, 2006 at 08:00 am

Well, I moved 5000 out of my daughters passbook savings account into my checking. I will soon be opening an Emigrant Direct account for her using my checking.

I spent no money today and it felt really good!

We had company over and the DW and I had a lovely time! I really like good conversation!

Just got a gift of 300 dollars in a mall gift card. I'll be using it to buy gifts during the coming year. I also recieved a 100 gift card to my favorite restaurant. With the restaurant card I also got two ten dollar off coupons. Major score for me!Smile

The car insurance got paid today. I have to remember to take the little course that gets me 10% off!

The DW and I are detting along fairly well at present. We still have our moments with spending but she seems to be coming around. One can only hope!Smile

Today was an okay day!WinkSmile

New Year Goals

December 29th, 2006 at 03:28 pm

Now that the CCs are gone I have the following goals:

1) On hand cash fund of 2500 for emergencies. You can only take so much out of the ATM at a given time. That presumes the ATM is working(sometimes the electric goes out).

2) Get the EF up to at least 10000 dollars and then add 100 monthly. The amount paid in would rise by the need to keep it at least 10000.

3) Increase the amount of money invested into mutual funds and ETFs. I am looking to see how much I can realistically put into investments.

4) Look to cut spending in as many areas as I can. I have cut quite a bit but I am sure I can be more creative.

5) I need to lose a great deal of weight. What good is money and savings if you are too sick to enjoy the fruits of your labor.

6) Volunteer more in my community. I am thinking about joining the ambulance corps. I would help my community but I also get benefits from tyhe town such as free pool passes and some tax breaks.

Well, those are the basic goals.

Anyone here have any other ideas! What are you folks doing!

Update on Financial Freedom!

December 19th, 2006 at 06:34 am

Well folks it is now official. The check has been cashed. The account has been credited. My wife's CC debt is no more!

I have started getting myself more organized. I started by cleaning out the garage. My tool chest is now in perfect order and everything is accessable.

I took the hazardous waste to the county facility. I threw out crap that had collected over the years. I was tired at the end but I am organized on that front. I noticed some of my tools are missing. That is what I get for lending things out!

I need to replace a few tools but there is no rush. Oddly enough I find that the more organized I become the more I find that I pretty much have everyting I wanted. Isn't that a hoot!

I have really been blessed. I truly have.

My next project is the basement. I have a ton of stuff to throw out and/or give away. Since the bills are paid I have gone on an organizing kick. I don't really know why but I have!

The Christmas shopping is done and I stayed on budget for the most part. My wife is upset because I keep telling her I pretty much have everything I have ever wanted. I hope I don't get a lump of coal for Christmas!Smile

It feels sort of weird not having a large bill to pay off. In fact I feel a kind of let down truth be told. I know that sounds odd but I guess that is just me. Maybe I expected being out of debt to be some sort of magic thing. While it is nice it is not a lasting rush if you know what I mean.

I am seting up things so that more of my checks are sent into savings and investments. Wish me luck!

Credit Card Horrors are Over! I Just Paid in Full!!!

December 7th, 2006 at 10:14 pm

WOOOO!!! HOOOOOO!!!! I am now officially doing the happy dance! The Chase Card is paid off! The check has been written and sent off!

The mortgage is paid! The cars are paid. Now the Credit Cards are paid in full!
I am not owing anybody about this time!
I am in debt to no one!!!!

I cannot describe the feeling! I feel like a ton of bricks has been lifted off my shoulders! The leeches are no longer draining me financially! Cash and carry is now the order of the day!

I was waiting for this to happen before I blogged again! Now it has happened. Saving and investing will now increase significantly. I have been doing extra work so I have hit the forums but not the blogs. Hafta earn the money when the work is available.

The horror is gone for me. If the wife does it again she can pay for it. Gee whiz I feel good!

I hate crowded supermarkets!!! ARRGGHHH!!

November 22nd, 2006 at 11:04 pm

Yes, my wife sent me out to pick up a few last minute things at the local supermarket. Oh and the locals were in a festive and jolly mood today!

Have you ever seen two elderly ladies go at it. My goodness! I don't think I have quite heard profanities strung together in such a fashion. Aside from being thoroughly embarassed I was stuck on the line at the checkout. Somehow my image of sweet little old ladies has been damaged in extremus.

Several times I was run into in the aisles whilst standing still. Trust me when I tell you I am hard to miss. I show up on radar. I have felt safer driving my car on the highway. People whiz by with their carts oblivious to everything and everyone as they peruse the shelves in non-stop fashion!

My gratitude goes out to the lovely couple in front of the plum tomatoes for over ten minutes. Why did you inspect EVERY plum tomato when you saw me standing and waiting. Could you not simply have shared the space with me. Hey I showered and shaved. Why I even put cologne on!

When I finally paid for my groceries I had moved my cart forward and was awaiting my bagged groceries. The fellow on line put his material up and pushed his cart forward towards mine. At this exact moment a store worker came in behind me and blocked my egress from the counter area. It seems she was there to pick up items left at the register by customers. I would have bagged the milk myself but I could not reach it at this point. So I wait about 5 minutes and I don't say a word!

Well, I finally have all my goods packed and I head for the door. Oh please miss could you look at your reciept elsewhere and let me pass

I finally make it the parking lot that some shoppers think is a NASCAR track. Thanks for letting this pedestrian have the right of way!Rolleyes No this is not a demolition derby! Then again maybe it is! Someone has pushed a cart up against my car. Why thank you I have always wanted to see what a cart can do to my paint job.

Forget making the left as nobody is cutting anyone any slack during these joyous times. I make the right to avoid the crazies trying to get home a few minutes sooner.

Upon arriving home my wife asks in so pleasant a voice, "what took you so long"! My DW notices that I have forgotten something. It is on the list she says! Where says I? Oh, I must have forgotten to put it down! Would you mind going back to the store to get it!!

AAARRGGGGGHHHHHHHHHHH!!!!!!!

Ladies and Gentlemen, if you read a story about someone beating Mr. Whiffle unconcious with a twelve pack of Charmin it was probably me!


Using Emergency Fund to pay of wife's CC

November 21st, 2006 at 05:43 am

I just pulled out 4300 out of the EF to pay off my wife's Chase CC bill. Those creeps just informed my wife that any adverse info on her credit report would allow them to default her interest rate to 32%. Can you imagine?

Well, I'll go without! I'll walk barefoot in the snow first before I pay 32% interest because any of my wife's bills were a day late! They are fishing to get money out of folks any way they can!

Well, They are getting no more from me! The nerve of those people. I have never been late with any payments on this card that I am paying off for my wife. Those people see the card being paid off and bells and whistles go off! How do we keep this person paying? How do we extract a pound of flesh before they payoff what they owe!

I am as mad as a person can possibly be! In future, if I can't pay cash then I can't have it!

My message to all the CC companies out there is simple, "DROP DEAD"!!! Boy am I annoyed at those people!!!!Mad

Change in CC Terms!

November 20th, 2006 at 04:46 pm

My wife's CC sent her a notice of a change in terms. 32% is the new default rate. The penalty fees are up to 39 dollars.

Interest accrues from the time you charge something and your rate can go up due to adverse info on your credit report. This is the final straw with these clowns! I am dipping into the EF and I am paying off the damn CC debt once and for all!

Cash and carry is the order of the day. I have had enough of this crap! Damn!

A Picture of me!

November 19th, 2006 at 05:40 am



I hope the picture comes out right!

Other folks were posting so I thought I just may as well. My only problem is that I have to take my own pictures as you can see! The cycling shorts are just a bit less embarassing than the potpourri!Big Grin

Must control blogging urge!

November 18th, 2006 at 02:03 am

I have stopped watching TV to hang around here and I think that is good to a point. I have been dodging a little work during the day to come here. The lists became very addictive! Dodging work is baaaddd!!Smile

I spent no money today but DW had to travel and so the mini van had to get filled with gas. 43 dollars to fill the tank! Arrgghhh!!! She spent 15 dollars for lunch as well. Well, so it goes! Oh and I forgot 40 dollars for dinner(she took her brother out).

So, I am sitting at the keyboard this evening singing along to Nelson Eddy and Jeanette MacDonald. As if anyone even remembers them anymore sad to say!Frown
An inexpensive joy to be sure.

I am craving a DR.Pepper and some nachos. It is Friday night and I am a wild and crazy guy!SmileOh man I am missing Battlestar GAlactica! BYE!!!Smile

My list of 25!

November 16th, 2006 at 10:38 pm

Okay since everyone else is doing this I guess I can do so as well!

1) I am the size of of an Offensive tackle in the NFL.6'6" and 330 lbs.

2) I sing tenor and I actually have a very nice voice.

3) I missed being an Eagle Scout by one merit badge.

4) I have worked as a bartender and I was a darn good one. It was the most fun job I ever had.

5) The first great love of my life eloped and married someone else which broke mty heart at the time!

6) I am a notary public.

7) I am a certified firearms instructor.

8) Unbeknownst to all my guy friends I like making potpourri with different scented oils. It just would not go over well with the fellas.

9) I have seen enough death and suffering such that I don't ever want to see any anymore.

10) I like wearing baseball caps.

11) I volunteer with local sheriff's dept. as a reservist.

12) I always found that sitting around a camp fire, roastig marshmallows, singing corny songs, and drinking hot cocoa, is about the funnest thing on the planet to do!

13) My eyes well up when I watch sad movies like Brians Song or The Heart is a Lonely Hunter. I am at heart a big mush!

14) I love gadgets and tools. They are my favorite gifts! I love to tinker.

15) I once gave serious thought to being a priest.

16) I am on the executive committee of a local political party.

17) I have been a Chicago Cubs Fan before it was fashiobnable. I have never stepped foot in the state of Illinois.

18) I love singing Doo-Wop music and I do it every chance I get.

19) I am one of nine children!

20) Walks on rainy days followed by hot coaoa, a warm blanket, and a good book in the recliner are like gold!

Dinner is ready so I'll post the next five as soon as I am done!Smile

Okay I am back form dinner and here are the next five.

21) I have been known to fall asleep at services and have my wife give me an elbow to wake me up!

22) I love putting lightsup for all the holidays and Christmas is the biggie!

23) I grew up poor so everything I have I am truly amazed that I have.

24) I have milked a cow and moved them to water with the aid of a dog. I have planted corn and picked apples. I have watched a calf being born. While sheep are cute they are amonst the dumbest of God's creatures!

25) I really love my wife and family. God is good and merciful and life can be beautiful if you look at in the proper perspective.

Well, that was 25 off the top of the head!WinkSmile

Just Musing

November 15th, 2006 at 10:39 pm

What is it all about anyhow? Save money, retire, and try to enjoy what is left. There is more to life than just money and success as the world sees it. Is my material success all encompassing of who I am or how successful as a person?

What is any of these things I own really worth? It will all break, fade, or passs away over time. Nothing of me or mine will remain!

What does,"is it worth it?", mean? Is there anything worth it? Whatever "it" is!
Just musing on a somber day. Just thinking a little too deeply perhaps. Perhasps where ignorance is bliss it truly is folly to be wise!

Howdy and update!

November 15th, 2006 at 08:41 am

I now owe only a bit above 3900 dollars on the wife's CC. February should be the last payment!

Most of the days this week were no spend and that is good. The wife is still clipping coupons. No unexpected bills except the one to check the boiler for 179.00.

There is nothing exciting to report. Got my daughter an apple peeler and corer for her B day. She got other stuff but this gift was unexpected. Must get the penchant for these gifts from her mom!

I'm still scrounging for extra work. Things have been a little tight of late.
I guess I'll just have to look harder.

Hopefully the Autopilot will take over again soon! I hope there are no more surprises. I think I'll be home for Thanksgiving this year!

That is about all there is to report!WinkSmile


Repairs/Affairs/and Stuff

November 10th, 2006 at 03:01 am

Well, Sunday I went to a Christening for my niece! What a cutie she is! My gift to cover the cost of three meals and drinks was $150 dollars! It was great seeing the whole family and it really is nice, especially on happy occasions! Thank God I don't have an affair every weekend!Smile

I fixed two lamps in the house. I then bought and installed a new seat on the Kohler Low Boy. We had issues though! First the seat from Kohler was thin plastic and did not fit. It was the correct replacement model. We ended up ordering a cheaper wooden seat that has plastic sprayed on it that fit perfectly. The color was a spot on match too!

The parts to hold the seat on were awful so I installed the seat using a combination of old and new parts. I think someone must stay up nights for these companies figuring out ways to make things less simple to use! Go figure!

I made a payment today on the wifes last CC and I should be down below 4000 dollars. I cannot wait until my last payment is made and I can thumb my nose at the CC companies and start seriously saving bucks!

I just got a Kill a Watt device that was mentioned around the blogs here. Great device. I am starting to figure out how much things cost to run! I have explained to everyone in the house that items with motors and heating elements burn up scads of kilowatt hours! Save! Save! Save! My wife thinks I am nuts though!Big Grin

Yes! I have finished my bag of Tootsie Pops and am suffering from severe sugar withdrawal! AArrrrrggghhhhhh!!!!!

I am getting so close to freedom from indebtedness! I can almost taste it!

The wife has not yet gotten her leather coat but she has her new toaster oven! I am still waiting til she uses it before I touch it. It was her request, not my idea, folks to get a toaster oven!

The weather was 70 degrees today! It is pretty unnerving for it to be that warm this late in the year. I am not complaining. I have all my upstairs windows open and the heat off as we speak. It is in the low 60s here and it is heaven to me!

The wife and I are getting along fairly well and we have had some nice long talks. That is a good thing! I really do love that woman. You know, you just don't love someone as well as when you have been with them over time. You learn to know their habits, foibles, and little cute peculiarities!

Thinking back it was very hormonal at first. Love grows and takes deep roots over time. I could not ever imagine being with anyone else, ever! I have been through a great deal but I would gladly do it all over again! That is odd when you think about it. I love her that much!
Ah, enough sappy stuff!

After the the new year starts I hope to be out of denbt and will take stock of my fibnancial situation! I'll let you all in on it as you have so graciously helped my and listened to my tales of woe!

Sorry about the run on babble! Hope to respond to some of your blogs over the weekend. See ya soon gang!

Nice Weekend!

November 5th, 2006 at 05:49 am

Hey Gang!!!!

I have stopped watching the boob tube and tuned in here! Actually reading and responding to blogs is so much more enjoyable and productive.Smile

The week went prety well and I pretty much stayed on target and spent only on budgeted items. WooHOOO!!!!

Today I treated myself to two dirty water hot dogs with mustard, sauerkraut, and onions, I washed it down with a diet Coke! That was my indulgence this week!

Went over to Mamas house and got a bag of Tootsie Pops. Seems like too much candy was bought for the kids trick or treating! I am a Toosie Pop Fiend! I love the darn things! I also got a bowl of, ready to laugh, chicken soup! Homemade chicken soup that was to die for!

The wife and I are doing well so far but she had 619 dollar overdraft on her checking. Hey, it is her problem now so I'll not be losing sleep over it!

We are getting along smashingly this week though! We still have yet to go get her new leaher coat!

DDs birthday is coming up and I am getting her new in line skates as the old ones really are too small for her now!

Got a few things for Christmas but I really hate shopping and such especially for clothes! I usuually take one of my sisters because when it comes to buying womens clothing, for my wife, I am a walking disaster. Don't ever ask me to coordinate color or anything else fashionable. High fashion for me is Dockers, loafers, a shirt, and a tie!Smile

My wife asks me not to go clothes shopping without someone who understands the subtle vagueries of womens clothing! I am as clueless as they come!

DDs Viola lessons are going to cost 343 dollars. An odd number for 10 lessons if you ask me. There was 40 dollars for the trip to the French restaurant with her French Class.

The wife and I have to go to an auto safety course to get our 10% off on our auto insurance. We are looking for the cheapest possible class!

Wait I also splurged last night and bought two bottle of Diet Dr. Browns Blackberry Soda! It is a treat for me. Most folsk think it tastes like Robitussin but hey I like it and it was 99 cents for the large bottles so I bought two!

I am on my third Tootsie Pop and I still bite them before I get tohe center. Oh well!

I realize this is a long post bt I have not been posting as often as I would like!

On we go!Smile

Happy Halloween!!!

October 31st, 2006 at 10:45 pm

Well, the kids are starting to come by. We have had 17 so far. The night is still young. I am going to rent a horror film tonight for a treat. (Mostly for myself!Smile)

I really miss those halcyon days of youth when I went door to door trick or treating! The little ones who came earlier were so cute in their costumes! My wife and I got a real kick out of them!

The older kids come later! The local groceries have been refusing egg sales to minors for the past few days. You know why I am sure!

The weather is beautiful and yours truly did not spend a penny today! Hurray for me.

So I wish all of you a night of fun and enjoyment!

HAPPY HALLOWEEN!!!!!!Big Grin

Quiet day at home with family!

October 29th, 2006 at 03:13 am

Spent a quiet day at home with the family. I ran up to the library to pick up a book about the credit card nation. Wife made chicken soup from scratch and it was delicious as all get out!

I put some nice music on and did a few laundries and then started to read my book.

I spent no money today and it was quite nice as no one else here did either. I have to say that the wife and I are still talking and that is a good thing.

It rained like crazy here last night and now the winds are howling something awful. The temp today reached 65 and now it is dropping into the low 40's.

No extra work of late so I'll have to tighen the belt a bit more. Sometimes I tighten the belt so much it is a wonder I can breathe. The holes in the socks I am wearing are such that they can not be repaired again. Being a guy I wear them until they are almost totally falling apart!Smile

I am getting nutty about stringing as many no spend days as I can in a month. It is becoming almost like a game to me!
How odd is that?

My health is holding up and there have been no major problems yet. Tahnk God for that!

Well I am going back to reading my book. A no cost adventure of the mind is what it is! Enjoy the rest of the weekend folks!Smile

Wife's Birthday!

October 25th, 2006 at 06:07 am

We went to a nice restaurant with another couple. I have not been out to a nice restaurant in a dogs age. I ordered a bottle of merlot. I went ot hell in a hand basket and dropped more money than I probably should have. Well, I did have money put aside!

I had the salmon and it was awesome! I had raspberry sorbet for desert. The meal took place over three hours and I was relaxed and enjoyed the hell out of it! While it was a gift for DW's birthday it was good for me to get out and enjoy. Not much damage to budget as I had saved up. Next week I shall be purchasing a leather jacket for her.

I bought myself coffee and a bagel today. I have to get back on the no-spend band wagon.

I also need to read other folks blogs
as they so kindly read and respond to mine. I need to make time in order to do this. I have to say that I have learned so very much from folks here!

I am feeling okay mentally today and physically I am not feeling too bad!
So on we go to financial freedom!

Still back on course!

October 21st, 2006 at 03:24 pm

Well, there have been no new surprises. I guess that is a good thing. Bills come in and payments go out. Everything is on time.

We are celebrating the wife's birthday this evening. We are going out to eat with another couple.

Most days are no spend days for me. I guess I am doing okay with that.

The wife and I are talking and being civil but I always have this thought in the back of my mind that she is lying to me or being deceptive. That is a terrible feeling.

THe extra work has dried up for the time being. That is okay as I am not feeling 100% anyway. The doctor's have told me I am pre-diabetic so I have to watch the diet and exercise. I need to de-stress as well as I feel that is a big part of my not feeling well.

I have been out riding my bicycle on a regular basis. I make the time to ride.

Well, things seem to be on course but I never expect clear sailing. When I expect good things something awful happens.

For now though I am on course!

Told the wife about this Blog.

October 17th, 2006 at 07:47 am

Some folks here suggested I tell my wife about this blog. Well I did just that in a counseling session tonight. She was rather taken aback. I told her that she and I were anonymous to folks here so it was perfectly fine.

The counselor explained to my wife that a great many people were blogging these days. I told my wife the whole truth about what I said here and what kind of feedback I had recieved. My DW declined to read the blog though. I feel better having told her however.

We are talking instead of screaming and that is a good start!

AUTOPILOT!!!!

October 13th, 2006 at 08:33 pm

Back to running on autopilot. Bills come in and go out. I messed up on a spending challenege by getting a diet pepesi from a machine the other day. I haven't spent any money since then outside of budgeted bills.

Keeping an eye on the wife's CC card spending. I just have to be responsible for debts that I have agreed to pay already. (Note I am not responsible for any new CC debt she incurs.)It is hard to imagine how she can do this but she is quite creative at running up debt! Well there you have it!

I am sending a jacket and fanny pack back to LL Bean to get them repaired. I figure it is cheaper than buying new stuff!

Going out for a ride on my bicycle!

October 11th, 2006 at 06:57 pm

It is a nice cloudy day here. I am taking some time and getting on my bicycle and going for a ride. It does not cost a thing and that is wonderful.

I am not going to think about bills, spending, or anything else that causes stress. I am taking time out for me in order to keep my sanity!

Paying down the CC

October 10th, 2006 at 04:54 pm

Just put another 1100 on the DW CC. I hope to be done just after the new year with this debt.

I am in the midst of having a series of no-spend days. This is day four. Hopefully I'll have some more money together for the 20 dollar challenge soon.

The wife and I have settled into a courteous routine. Her birthday is coming up and I'll be taking her out for dinner. She wants a leather jacket and I can swing that if it is not too expensive.

I am feeling very tired. On we go.

The aftermath.

October 7th, 2006 at 07:59 am

Well, the wife and I are being courteous but there is palpable tension. The wife is no longer able to access any accounts in order to get money. None save her own accounts.

I am still trying to figure out how to repair the damage to the account. I have to do it fast. College is upon my DD in just a few years. I really did not need this.

The wife and I are staying in seperate rooms for the time being. It has happened before. I wonder if this is how marriage dies. There is no great blowup it jusr sort of fades away no matter what you do......

I fear that I'll always be in debt. It just sort of eats at me. I hate the feeling. How do you do this to someone you profess to love? I just don't get it!

I spent no money today and I am going to be nuts about spending any in the future.
I'll still be checking the wife's spending and looking out for CC's.

Enough whining on my part. I'm just going to deal with it. On I go.

DW lied to me about money again.

October 5th, 2006 at 04:28 pm

Well, it happened again. I now know why my wife was not running up CC debt. It seems she dipped into money that we had agreed to put away for my DD's college fund.

I guesstimate I have to make up somewhere in the neighborhood of 20 to 24 thousand dollars. You'd think I'd be upset by all this but I am not. I guess I am sort of more hurt that she lied more than she spent the money.

I am not divorcing my wife but I am divorcing my finances from hers. We will split the bills but she'll have no access to any savings accounts of any sort. Heck, she doesn't contribute to them anyway.

She kept telling me she wanted to talk it out but I am of the opinion that any talking that needed to be done has already been done. What is there to say when trust is betrayed again and again.

6262.83 is the exact number on what I owe to pay off her CC debt. I still check the mail and she's gone over on her overdraft to the tune of 261.47. While I am concerned, she has generally paid off the overdraft in full. Now I think I know how.

My euphoria of winning a 1000 the other day is gone. I don't think I am mad or sad. I am just kind of numb. I suspect people feel this way when their spouse is on drugs or is alcoholic.

I have been an enabler for my wife. I have covered the debts for years and I am getting burned out and my health is starting to suffer.

Thank God there is no mortgage or car payments. I am so tired of struggling with this insanity. I guess divorcing our finances is the way to go at this time. Funny,I still love my DW.

Well, there you have it folks. I am officially up the creek again due to my own stupidity. Wish me luck as I'll sure as hell ned it!

I hit for a 1000!!!! Doing the happy dance.

September 30th, 2006 at 11:59 pm

I know I should not be buying those lottery games at the local gas station but I figure a dollar or two now and again is okay.

Well, I hit for a thousand! I in no way endorse gambling but WOW! I never win anything. In any case the money goes into the emergency fund. It is so nice to have have something like this happen.

Wow! Where has the time gone?

September 22nd, 2006 at 09:59 pm

Just checking in to say I am alive and well and busy as hell! I was able to pay some extra money on my Wife's CC bill and now it is down to 5800 and a bit!

We are still cutting coupons and looking for ways to cut costs. I am still checking the mail looking for any new CCs on my wife's behalf. I have seen none. So far so good!

I hope everyone here is well and doing well! Hope to check in again soon! If everything goes as planned I'll be out of debt in FEB. '07! WOOOO!!! HOOOOOO!!!!Smile

Wife has no new Credit Cards

August 19th, 2006 at 05:35 am

Well, I am a bit ashamed of myself. I have been spying on my wife to make sure there are no new credit cards. The good news is there appear to be no new cards.
Maybe we have turned a corner. I sure hope so!

My daughter is out west with my sister on a free vacation trip. The whole thing was free. My sister is very generous. I could never have afforded the trip for my DD.

The doctors have determined that I am pre-diabetic and have to make a very large lifestyle change. It is so easy to tall but it is much harder to accomplish. I am always eating junk on the run. Now I have to be very concious of diet and exercise.

The wife is still clipping coupons and I have had several no spend days on a regular basis each week.

The DW's CC bill is at the halfway point and I am looking for ways to add more money to pay it off sooner. I hate being in debt to the CC company. I also noticed that they have changed the interest rate so I am looking to see if I can do some sort of balance transfer.

MIL law may have a relapse of her leukemia. I hope she does not as that will be a great stressor on my wife.

Life goes on and I thank God for each day.

Checking for CC debt!

August 8th, 2006 at 10:02 am

Will be sneaking around trying to see if my wife ahs fallen off the wagon with the CC. I fear she has! Deja Vu all over again!Smile


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