HELLO...BEEN ON HERE FOR ABOUT A MONTH, WOULD LIKE TO INTRODUCE MYS

[CINDY]

Hello I am Cindy. I live in Ohio with my now ex-fiance and our 2

daughetrs. I live in his house and we couldn't work out our problems,

so our seperating. I'm just waiting on my application for Section 8

to get a place. I have been a stay at home mom since pregnant with my

5 year old. Well except I have been selling/recruiting for Avon for a

year. My girls are Alexis Cierra (Lexi) who turned 5 in Jan. and

Kaitlyn Hailey (Katie) who will be 3 in July. I am 27, 28 in May.



Well I have a few questions on how to live cheaper when I get my

place with my girls. How do I budget, I have never handled the money?

How do I clean cheap? If anyone has ever been on the same situation

or can offer me any advice please help.



I don't make enough to live on with Avon, but I love being at home

with my girls and not having to put them in daycare. Any advice?



Thanks,



Cindy

[Herlean]

You can clean with vinegar and bleach quite well. A steam cleaner is also affordable. Don't mix vinegar and bleach!!!!!!

Herlean

CINDY <cindy1979@aol.com> wrote: Hello I am Cindy. I live in Ohio with my now ex-fiance and our 2
daughetrs. I live in his house and we couldn't work out our problems,
so our seperating. I'm just waiting on my application for Section 8
to get a place. I have been a stay at home mom since pregnant with my
5 year old. Well except I have been selling/recruiting for Avon for a
year. My girls are Alexis Cierra (Lexi) who turned 5 in Jan. and
Kaitlyn Hailey (Katie) who will be 3 in July. I am 27, 28 in May.

Well I have a few questions on how to live cheaper when I get my
place with my girls. How do I budget, I have never handled the money?
How do I clean
cheap? If anyone has ever been on the same situation
or can offer me any advice please help.

I don't make enough to live on with Avon, but I love being at home
with my girls and not having to put them in daycare. Any advice?

Thanks,

Cindy





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[/quote]


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[Sheri]

Was the "Don't mix part" supposed to be Ammonia and Bleach? I know that

is a bad combination....





"One of the advantages of being disorderly

is that one is constantly making exciting discoveries." A.A. Milne







Herlean wrote:

>

> You can clean with vinegar and bleach quite well. A steam cleaner is

> also affordable. Don't mix vinegar and bleach!!!!!!

>

> Herlean

>

> */CINDY <cindy1979@aol.com>/* wrote:

>

> Hello I am Cindy. I live in Ohio with my now ex-fiance and our 2

> daughetrs. I live in his house and we couldn't work out our problems,

> so our seperating. I'm just waiting on my application for Section 8

> to get a place. I have been a stay at home mom since pregnant with my

> 5 year old. Well except I have been selling/recruiting for Avon for a

> year. My girls are Alexis Cierra (Lexi) who turned 5 in Jan. and

> Kaitlyn Hailey (Katie) who will be 3 in July. I am 27, 28 in May.

>

> Well I have a few questions on how to live cheaper when I get my

> place with my girls. How do I budget, I have never handled the money?

> How do I clean cheap? If anyone has ever been on the same situation

> or can offer me any advice please help.

>

> I don't make enough to live on with Avon, but I love being at home

> with my girls and not having to put them in daycare. Any advice?

>

> Thanks,

>

> Cindy

>

>

>

>

>

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[Herlean]

I never mix anything with bleach. Better safe than sorry.

Other than water, I don't think anything is safe to mix into bleach.

Herlean

Sheri <sherilynb2@gmail.com> wrote: Was the "Don't mix part" supposed to be Ammonia and Bleach? I know that
is a bad combination....


"One of the advantages of being disorderly
is that one is constantly making exciting discoveries." A.A. Milne



Herlean wrote:
>
> You can clean with vinegar and bleach quite well. A steam cleaner is
> also affordable. Don't mix vinegar and bleach!!!!!!
>
> Herlean
>
> */CINDY <cindy1979>/* wrote:
>
> Hello I am Cindy. I live in Ohio with my now ex-fiance and our 2
> daughetrs. I live in his house and we couldn't work out our problems,
>
so our seperating. I'm just waiting on my application for Section 8
> to get a place. I have been a stay at home mom since pregnant with my
> 5 year old. Well except I have been selling/recruiting for Avon for a
> year. My girls are Alexis Cierra (Lexi) who turned 5 in Jan. and
> Kaitlyn Hailey (Katie) who will be 3 in July. I am 27, 28 in May.
>
> Well I have a few questions on how to live cheaper when I get my
> place with my girls. How do I budget, I have never handled the money?
> How do I clean cheap? If anyone has ever been on the same situation
> or can offer me any advice please help.
>
> I don't make enough to live on with Avon, but I love being at home
> with my girls and not having to put them in daycare. Any advice?
>
> Thanks,
>
> Cindy
>
>
>
>
>
> ------------------------
Yahoo! Groups Sponsor
>
>
> I've earned 2 so far, you can Earn FREE $25 Gift Cards:
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> chat and more download our free toolbar
> http://www.budget101.com/Toolbar.htm
>
> To View the List Archives Please Visit http://www.budget101.com/forum.php
>
> Yahoo! Groups Links
>
>
>
>
> ------------------------------------------------------------------------
> No need to miss a message. Get email on-the-go
> <http>
> with Yahoo! Mail for Mobile. Get started.
> <http>
>



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</http></http></cindy1979>[/quote]


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[marie selders]

Cindy, I haven't seen anyone post a response to your question about budgeting and handling money and so I thought I'd tell you how I handled money when I was out on my own.
There are 'fixed expenses' that have to be paid every month. Things like rent, utilities, car payments. These things are the same every month (utilities vary with how much you use, but you have an idea how much it will be). I wrote those things down and made sure that I kept back that much money in my account. Then there are things we need like food, clothing, personal items (toothpaste, deodorant, etc.) that can vary. Ifwe shop smart and if we can find them on sale we can save money. I wrote down how much I thought I would spend on them every month. And made sure I also had that much in my account. There are also other things that occur during the year that have to be paid, but don't necessarily
come every month, like car insurance, health insurance, life insurance, renter's insurance, etc. Generally you are quoted a premium for six months. I took that amount and divided by 6. This was my monthly 'payment' even though I saved it in my account until it wasdue. I didn't touch it. Then when it came due, I had the money to pay for it. Finally, you add up all these things and you get how much you need to live. You subtract that amount from your income (in your case, I think you said you had a part time job and were looking for other ways to support yourself). Any thing leftover is how much you have for spending on things that you don't need. If it is a negative number (what you are paying out is greater than what you are earning) then you have to look at your budget and try to cut back on something. The other thing I did was I put back a little cash in savings and never touched it. It was for
emergencies...my rainy day account. When my car broke down, I had enough in my savings to have it fixed. It took some time to build it up as I was living paycheck to paycheck some months. But I worked hard at it. Now I have a little more breathing room andI am able to start investing for retirement. I always purchase my clothes off clearance racks. I generally go shopping once a month to check out clearance sales. I only look at discounted racks. If I can't find anything off that rack, I leave the store. I purchased a nice sweater a few years ago, that I am still wearing, for $5.50. I only buy if I think I will wear it and I try to buy basic, classic clothes. I also shop for clothes at the end of the season and purchase winter clothes (for the next year) when the stores are making room for the spring styles. For food, I make most things from scratch as it usually costs less. I have a lot of beans, rice ,
and pasta dishes. These things are more frugal. I don't eat out a lot. When things were really tight, my husband and I ate out once a week (sometimes you have to spend a little on having fun), but we budgeted for it. For entertainment (besides eating out once a week) we looked for free days at museums, free outdoor concerts, walking and bird watching in parks, picnics and fishing, inviting friends over to play cards, etc. I know things sound tough, but you can do it. Perhaps when the little ones get in school you can find a job full time which will boost your income. I hope some of the things I've mentioned have helped you. I wish you well. Marie <DIV id="ygrp-msg">
>
> Well I have a few questions on how to live cheaper when I get my
> place with my girls. How do I budget, I have never handled the money?
> How do I clean cheap? If anyone has ever been on the same situation
> or can offer me any advice please help.
>
> I don't make enough to live on with Avon, but I love being at home
> with my girls and not having to put them in daycare. Any advice?
>
> Thanks,
>
> Cindy
>
>
>
>
>
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>
>
> I've earned 2 so far, you can Earn FREE $25 Gift Cards:
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> chat and more download our free toolbar
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>
> Yahoo! Groups Links
>
>
>
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[M F]

My husband and I have started classes with Dave Ramsey. Look him up on the interment and he also has books that you can check at the library. I'm not good with the internet so I found the phone number on his website and call them. The classes are 13 week classes, once a week for 2 hrs. It is for couples as well as single person. You can ask how much the classes costs and if it's too much for you ask if they can give you a better price. He first tells you that you need Shelter (mortgage or rent), Transportation (vehicle, insurance
and gas) and food. You slowly put away money to save $1,000 for emergency, and you are thinking I can't make ends meet how can I save that kind of money. It is possible and easy, during which time you are paying your other bills. I'm not good at explaining how it works, all I know is that it is working for us. For the first time in a long time we are not afraid to talk about our expenses/debt. The fun part is talking about fun things we can do once we pay off all of our debts, which will be in about 1 1/2 yrs. We will have a mortgage left and that will be paid off in 4-6 yrs. He tells us that 20% is knowledge and 80% is discipline. And that is true. His seminars are good, full of information and he is funny.

If you are struggling please try it. I figured I have blown so much money in the past what is one more time and it is worth it.



Melissa






I haven't seen anyone post a response to your question about budgeting and handling money and so I thought I'd tell you how I handled money when I was out on my own.

[jdorr9@comcast.net]

I second that! I haven't done the class but I have read the books and I listen

to his radio show online and the changes are amazing! We have been doing it for

3 months and we're not arguing about money, we know that every dollar has a

place and we're getting our debt paid off. He's definately worth checking out!



Jenn in NH



-------------- Original message --------------

From: M F <milicaf35@yahoo.com>







My husband and I have started classes with Dave Ramsey. Look him up on the

interment and he also has books that you can check at the library. I'm not good

with the internet so I found the phone number on his website and call them. The

classes are 13 week classes, once a week for 2 hrs. It is for couples as well

as single person. You can ask how much the classes costs and if it's too much

for you ask if they can give you a better price. He first tells you that you

need Shelter (mortgage or rent), Transportation (vehicle, insurance and gas) and

food. You slowly put away money to save $1,000 for emergency, and you are

thinking I can't make ends meet how can I save that kind of money. It is

possible and easy, during which time you are paying your other bills. I'm not

good at explaining how it works, all I know is that it is working for us. For

the first time in a long time we are not afraid to talk about our expenses/debt.

The fun part is talking about fun things we can do o

nce we pay off all of our debts, which will be in about 1 1/2 yrs. We will have

a mortgage left and that will be paid off in 4-6 yrs. He tells us that 20% is

knowledge and 80% is discipline. And that is true. His seminars are good, full

of information and he is funny.



If you are struggling please try it. I figured I have blown so much money in

the past what is one more time and it is worth it.





Melissa















I haven't seen anyone post a response to your question about budgeting and

handling money and so I thought I'd tell you how I handled money when I was out

on my own.