Page 1 of 3 123 LastLast
Results 1 to 8 of 22
  1. #1
    crazigyrl_jen
    Guest

    Default budget for $32K a year?

    I feel dumb asking because I know people live on much less, but we

    have a 3 year old and a 1 year old and are struggling...I cut every

    corner I can, but we are still really struggling. Any advice or

    comments would be greatly appreciated.



    Jennifer








  2. #2
    Vickie
    Guest

    Default budget for $32K a year?

    Try selling outgrown clothing & any other unwanted items at online auction sites such as....Bidville.com, Autionquests.com, Blujay.com, Garagesaleforever.com & Ebay. None charge a listing fee except Ebay.

    crazigyrl_jen <jen@kittell.net> wrote: I feel dumb asking because I know people live on much less, but we
    have a 3 year old and a 1 year old and are struggling...I cut every
    corner I can, but we are still really struggling. Any advice or
    comments would be greatly
    appreciated.

    Jennifer




    &#32;
    Moody friends. Drama queens. Your life? Nope! - their life, your story.
    Play Sims Stories at Yahoo! Games.


  3. #3
    herberkids3
    Guest

    Default budget for $32K a year?

    Well, for starters, it depends on the area you live in. I mean, someone

    making 32k a year can be considered really poor, or mid level middle

    class. If you live in an area where most people live in nice houses and

    drive expensive cars, and a typical grocery visit costs half a

    paycheck, then it's harder to do.



    Our family consists of an 11 yo, 8 yo, and 5yo, plus my husband and I-

    so 5 people. I'm a SAHM, and my husband just got a new job that pays

    35k a year, salary (meaning no over time). We had to relocate for the

    job, but not far.



    So far, the area we are in is cheaper in everything but our rent. We

    splurged BIG time on the apartment we went with. It has 4 bedrooms,

    though, plus ammenities such as a pool, tennis courts, basketball

    court, playground, a gym, and washer/dryer hook up's right in our

    apartment. The overall size of the apartment is just over 1500 square

    foot, so it's huge for an apartment. Additionally, it's about 400-500

    sq ft bigger than the house we previously rented. That said, the rent

    is $1015 a month (ouch- to me!), where as the house we rented was

    $775/mo. But, it includes the cost of gas (heat), which in the winter

    was running us $150-250 a month in the house, so that eats up some of

    the cost.





    Anyway, for our family, I do all the budgeting. It's not perfect, we're

    broke sometimes, but we're also at a point where we're actually making

    enough to NOT live paycheck to paycheck.



    Here's some idea's on corners to cut:



    Grocery- buy generics, and don't buy a bunch of extra stuff. If a brand

    name is on sale cheaper than generic, get that. What ever price is

    lowest, get it. Start including more side dishes with meals, and cut

    back on the cost & quantity of the overall main dish to cut cost. Use

    coupons. Shop loss leaders, fresh produce stands, and make meals from

    scratch.



    Utility bills- Unplug items not in use to conserve electricity: clocks,

    VCR's, radios- basically anything with so much as a light up display,

    because it is using electricity when not in use. Lower the wattage in

    many bulbs by 1 level, or get the spiral bulbs that use less wattage

    for the same amount of brightness. In the winter, lower the thermostat

    by 1 degree or 2 degrees, and wear warmer clothing. In the summer,

    raise it a degree or 2 and wear cooler clothing. Keep the curtains shut

    to avoid the sun heating the house up. On cooler days, open windows,

    and prop fans in them to keep the air off. Fill the freezer with water

    filled milk jugs so it uses less energy to keep items cool.



    Phone- Commit to 1 type, land line or cell phone. You don't need both.

    If you like the conveince of a cell, ditch the land line and save

    yourselve $20-100 a month.



    TV- Cut back on the cable plan you have, if you have one. Or on the

    satilight if you have that. Do you use all those channels? Call and see

    what smaller packages are offered, or make it sound like you plan to

    switch- they may offer you a better deal on what you currently have.



    Internet- If you don't spend all your time online, and currently pay

    $20 or more a month for DSL or cable internet, then cut the cost by

    going back to dial-up. You can get dialup for as low as $5 a month at

    some places. Your phone company, if you still have or plan to keep a

    landline, might have a special deal on it.



    Extra's, Entertainment, etc- Cut, cut, cut. Before renting a movie,

    before stopping off for burgers for dinner, before grabbing hair gel,

    pay the bills and get the groceries. From what is left after all that

    is done, make 2 piles: Allowance, Savings. put half the money left into

    a savings account, and half you can use as allowance. The allowance is

    for those little extra's that don't seem like much, but that add up-

    quickly!



    The savings account should be seperate from any accounts you have no.

    Put it into a bank you don't usually use, and decline the atm card.

    Make the money inaccessible, basically.



    I started an account like that back in February to save for vacation.

    Any extra money we get, plus some extra from our tax refunds, and we

    currently have over $1500 in it. I do a lot of stuff online, including

    a paid to do stuff site, a survey site, and a site that pays me to

    write articles. Any checks I get in the mail are deposited into that

    account. The lower amount checks are held onto until I have a few, then

    they are put into that account. I also save change and once my jar (an

    old spaghetti sauce jar) is full, I deposit it. Some of my change

    deposites have been close to $100 in and of themselves.



    The savings gives you a cushion, even if it's only $100. It can save

    you when you have car repairs, or when you need to get diapers, or

    there aren't enough groceries in the cupboards. Making it less

    accessible means you can't go on a Saturday night and draw money out to

    go see a movie. Or to grab enough out to get a lamp you like.



    The allowance money should be used for anything you don't -need-, but

    want: movie rentals, nights out, a new shirt, going through a drive-

    through, etc. It will make you think twice when you know on Monday, "I

    have $20 to get through to next Monday... do I really want to spend $5

    of that now on a cheeseburger meal??"



    More on entertainment: Find cheap or free entertainment such as

    spending the afternoon at the park with a frisbee from the dollar

    store, going to the beach for the day, watching an older movie on TV

    with a bowl of popcorn, reading a book from the library, etc.



    Another way to bring income in- have a yard sale. If you can make $100,

    it's still $100 you didn't have before, and you can stock up on

    groceries with it, to lessen the week to week burden. We stock up on

    things we eat alot when they are on sale, to avoid paying larger prices.



    My budgeting ways didn't come from a frugal up bringing. Now, my

    parents were not big spenders, they scrimped and saved every penny over

    the years. But I never had anything to do with it, so it wasn't

    something I really knew how to do.



    When I got married, my husband was a full time college student, working

    part time on campus, and full time summers on campus. Our first year

    married, he literally made just over $7,000. I was a stay at home mom

    right away due in part to high day care costs, and in part due to not

    knowing the area well. We supplemented our income by having him take

    out as much as he could when the school loans came around, so twice a

    year, we got boosts of around $2,000-3,000, and at tax time, we got an

    additional $4,000 back. So, while we DID only make $7k a year, we were

    bringing in up to $17,000 a year. Still, we lived -very- frugally. I

    remember one day we got into a fight (one of few, and likely our first

    one), and I walked around town for the day. It was near dinner time,

    and I was mad enough to spend the $5 in my pocket on a meal at KFC.



    I felt SO guilty about that, because I knew we had $15 total to last

    till our next paycheck, which was a week away yet, leaving us with just

    $10 after that meal. We never ordered out, we only rented cheap movies

    (new releases were a very special occasion), and we scrimped and saved

    when we could to do special things.



    We splurged when our big checks came in from taxes, & student loans,

    but even then, not much.





    Good luck! If you want to know more about any of my frugal ways, just

    ask or email me. I'd be happy to help a bit more.







    --- In Budget101_@yahoogroups.com, "crazigyrl_jen" <jen@...> wrote:

    >

    > I feel dumb asking because I know people live on much less, but we

    > have a 3 year old and a 1 year old and are struggling...I cut every

    > corner I can, but we are still really struggling. Any advice or

    > comments would be greatly appreciated.

    >

    > Jennifer

    >










  4. #4
    Maria Jewlz
    Guest

    Default budget for $32K a year?

    It would be worthwhile for you to post your expenses,

    so that we can help you.





    --- crazigyrl_jen <jen@kittell.net> wrote:



    > I feel dumb asking because I know people live on

    > much less, but we

    > have a 3 year old and a 1 year old and are

    > struggling...I cut every

    > corner I can, but we are still really struggling.

    > Any advice or

    > comments would be greatly appreciated.

    >

    > Jennifer

    >

    >









    __________________________________________________ ______________________________\

    ____

    Take the Internet to Go: Yahoo!Go puts the Internet in your pocket: mail, news,

    photos & more.

    http://mobile.yahoo.com/go?refer=1GNXIC






  5. #5
    libramommy66@brier.net
    Guest

    Default budget for $32K a year?

    We live on about the same a yr. (32,000.00) and we struggle week to week

    too. We have only one more house payment and its ours..THANKFULLY...(we

    got a fixer-upper and were able to sell the house we just moved out

    of)...but we still struggle.. I have a 13yr old dd and a 16 yr ds...and

    I have to say the biggest problem I have is the grocery bill..cause

    these two eat ALOT..lol...believe me, you are NOT alone..

    But, we still have the usual bills, car, insurance ( that just about

    doubled cause of my 16 ds getting learners permit..lol), internet,

    groceries. The thing is we have no Credit Cards..But, the kids play

    sports yr round and that consumes alot of $$$ too...We just keep

    plugging along week after week..lol...Good luck and know that you are

    not alone..



    LaRae





    On 6/22/2007, "crazigyrl_jen" <jen@kittell.net> wrote:



    >I feel dumb asking because I know people live on much less, but we

    >have a 3 year old and a 1 year old and are struggling...I cut every

    >corner I can, but we are still really struggling. Any advice or

    >comments would be greatly appreciated.

    >

    >Jennifer

    >



    libramommy66






  6. #6
    Michele Sheriff
    Guest

    Default budget for $32K a year?

    I know that you said that you cut everything that you could. But you would be suprise what you could live without. Without being sure of your situation this is just some ideas.... Don't eat out Cut cable tv Cut house phone or cell phone Plan meals then shop Like I said it is just a few ideas. Michele Sheriff

    &#32;
    Get the Yahoo! toolbar and be alerted to new email wherever you're surfing.


  7. #7
    armstrca
    Guest

    Default budget for $32K a year?

    <DIV dir="ltr" align="left"><SPAN class="032131714-25062007">See Liss's living on $40 a month link at her site (with the group http://finance.groups.yahoo.com/group/Budget101_/).
    <DIV dir="ltr" align="left"><SPAN class="032131714-25062007">Now her web site has great MYO recipes (www.budget101.com)







    From: Budget101_@yahoogroups.com [mailto:Budget101_@yahoogroups.com] On Behalf Of crazigyrl_jen
    Sent: Friday, June 22, 2007 3:37 PM
    To: Budget101_@yahoogroups.com
    Subject: Budget101.com : budget for $32K a year?<SPAN class="032131714-25062007">
    <SPAN class="032131714-25062007">
    I feel dumb asking because I know people live on much less... I cut every<SPAN class="032131714-25062007">corner I can, but we are still really struggling. Any advice or<SPAN class="032131714-25062007">comments would be greatly appreciated.

    Jennifer



  8. #8
    dnawalker
    Guest

    Default budget for $32K a year?


    <FONT face="Arial Narrow">It would help us to know what part of the country you live in and your fixed expenses. For example, we live in Columbus Ga and have an income of approximately 40,000 per year.We have four children,2, 4,5, and 12. Wehave a mortgage of $418 per month, pay electric bill budget billing of $116 per month....
    <FONT face="Arial Narrow">
    <FONT face="Arial Narrow">It would help people to know your situation a little better.
    <FONT face="Arial Narrow">

    <FONT face="Arial Narrow">April



 

 
Page 1 of 3 123 LastLast

Tags for this Thread

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •