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  1. #1
    mackenziefoust
    Guest

    Default New... any help will be much appreciated

    Okay, so I am plugging in our montly bills in to our budget program

    and I am having trouble finding anywhere else to cut. Let me know

    what you think.

    904.36 Mortage with taxes and ins

    140.36 Elec we had the AC guy come today and I am already running a

    window unit to cut this down

    38.75 Cable $8 basic cable and road runner lite (dial up would be

    more because we would have to get a phone line)

    358 health ins for me and DH. Kids are are medicaid. I have some

    priors that make ins really high for me

    80 water and sewer

    154.45 payments on medical bills for my son (before we got medicaid)

    200 fuel

    86.06 car ins.

    106.47 equity line

    100 groceries for me my hub and two kids (this includes diapers for

    my 10 month old and night time diapers for my 3 year old)

    942.28 in credit car payments (i know that's why i'm here

    379.36 car payment



    Do you guys know anyone that has gotten by with less that 100 a

    month for groceries?



    I make my own baby food, cook everything from scratch. Do you guys

    see anywhere I can squeeze some extra? Our budget is currently about

    $150 over what DH makes.



    Any help would be awesome! Blessing to you all!

    Mackenzie








  2. #2
    Yolonda
    Guest

    Default New... any help will be much appreciated



    If your outgo is already more than your
    income you really have no other choice but to get another job. After
    looking over your list, the only thing that I see that could be cut down is the
    medical bills (you can call and explain your situation – according to
    Dave Ramsey they will take anything that pays it down – even though they
    WILL try and tell you making the entire payment is the only way they will
    accept money; several years ago I was advised to keep paying $5-$10 on my
    overdue medical and as long as they kept accepting/cashing the checks my
    account was technically active) or the credit card amounts. Of course
    this can bite you as the interest will keep rolling over. Can you get
    them to lower your interest rate or switch to a lower rate card? Talk to
    your local churches or crisis centers; maybe they can help you with groceries for
    a little bit.

    Could your husband get a part time job in
    the evenings just to put toward debt repayment? Or maybe you can do
    childcare in your home? Around here there is always a need for childcare
    help. Maybe you can sell things you no longer need? Be sure and
    check out Dave Ramsey’s website. He has a wealth of financial
    advice that is proven and solid and might could help you.

    Maybe for Christmas you can ask your
    family members to pay towards your bills in lieu of a physical gift. Just
    a thought.



    Good Luck!

    Yolonda












    Okay, so I am plugging in our montly bills in to our
    budget program

    and I am having trouble finding anywhere else to cut. Let me know

    what you think.

    904.36 Mortage with taxes and ins

    140.36 Elec we had the AC guy come today and I am already running a

    window unit to cut this down

    38.75 Cable $8 basic cable and road runner lite (dial up would be

    more because we would have to get a phone line)

    358 health ins for me and DH. Kids are are medicaid. I have some

    priors that make ins really high for me

    80 water and sewer

    154.45 payments on medical bills for my son (before we got medicaid)

    200 fuel

    86.06 car ins.

    106.47 equity line

    100 groceries for me my hub and two kids (this includes diapers for

    my 10 month old and night time diapers for my 3 year old)

    942.28 in credit car payments (i know that's why i'm here

    379.36 car payment



    Do you guys know anyone that has gotten by with less that 100 a

    month for groceries?



    I make my own baby food, cook everything from scratch. Do you guys

    see anywhere I can squeeze some extra? Our budget is currently about

    $150 over what DH makes.



    Any help would be awesome! Blessing to you all!

    Mackenzie



    12.0pt;color:



  3. #3
    Susan Martin
    Guest

    Default New... any help will be much appreciated


    <FONT face="Tahoma">I budget $40 a MONTH for groceries but get by on far less than that. I will tell you what I do and all of itmight notwork for you but some of it will.
    <FONT face="Tahoma">
    <FONT face="Tahoma">The only thing I purchase on a weekly basis is milk. We are on the East Coast and the cost of living (in our area) is extremely high. I purchase free range, hormone free eggs for $3.00 an 18 pack from a woman I exercise with. As it is just my husband and myself that will last us about 3 weeks. I purchase bread from an outlet store within walking distance of my house. If I am just going for one loaf I will walk to the store. But if I am out doing errands I will purchase 3 months of bread at a time. It is a Pepperidge Farm thrift store and I pay $1.35 per item. It is far more than that in the store. Any bakery thrift store would work. In some bakery thrift stores the items are day old (which they sit on the shelf at the grocery store more than one day) but some are just outlet stores where too much bread was baked and the items are sold for less. I have been to both kinds and they both work for me.
    <FONT face="Tahoma">
    <FONT face="Tahoma">Myhusband is a minister and we have people give us food all the time as a kind gesture. Not because we need it, but I am willing to take whatever anyone gives me. I never refuse anything. We have a couple in our church who clean out their freezer 4 x a year and give us everything in it. We have gotten steaks, fish, desserts, vegetables, etc. Most of the stuff they buy is Schwan's, which is a nice change for us as we do not purchase a lot of processed food. This same couple give us steamed crabs on a regular basis and I pick the meat out of them and freeze the meat for future use.
    <FONT face="Tahoma">
    <FONT face="Tahoma">If you have room for a garden please consider this. In 2005 we had a medium size garden and we are still eating the produce. I canned a lot of salsa which I use in venison chili. The venison is passed on to us also. If you like deer meat, put the word out. Many people just like to hunt, they really don't want the meat. Most of the time they will process it for you, although sometimes you might be asked to pay the processing fee. I don't know what it is in your area, but $35 in Missouri was reasonable for a freezer full of meat. I have no idea what it is now that we live in Virginia, but I am sure it is more than that.
    <FONT face="Tahoma">
    <FONT face="Tahoma">Consider discount grocery stores such as Aldi's, Save-A-Lot, and salvage grocery stores. You usually have to sack your own and bring your own sacks. If you don't bring your own sacks you will be charged a nickel a piece. If you bring your own, you save that nickel. Some grocery stores in the Midwest will subtract a nickel if you bring your own bags so they don't have to use any of theirs. I know the Kroger chain does this, at least they did when we lived in Missouri. But I always had to remind the checker to give me the discount.
    <FONT face="Tahoma">
    <FONT face="Tahoma">Salvage grocery stores are great. I purchase 5 pounds of flour for $.50, 1/2 gallon of chocolate milk for $.99 and other bargains. I once bought a case of Egg Beaters for $3.00. It is good you cook from scratch and that you make your own baby food.
    <FONT face="Tahoma">
    <FONT face="Tahoma">I am in charge of our church food pantry and I clean it out once a month. Any food that is outdated I will take home with me. I do not have a problem with outdated food and have never been sick from eating it. Of course if the can is bulging, I throw it away. One salvage store I used to go to would sell cans without labels for a dime a piece. Many "mystery meals" were planned that way. At the time we had an outside dog and if we didn't like what was in the can, the dog ate it.
    <FONT face="Tahoma">
    <FONT face="Tahoma">Have you considered cloth diapers? This way they can be reused over and over.
    <FONT face="Tahoma">
    <FONT face="Tahoma">I don't know if I was much help. But we are debt free except for a vehicle payment.
    <FONT face="Tahoma">Susan
    [quote]
    ----- Original Message -----
    From: mackenziefoust
    To: Budget101_@yahoogroups.com
    Sent: Friday, November 02, 2007 4:32 PM
    Subject: Budget101.com : New... any help will be much appreciated





    100 groceries for me my hub and two kids (this includes diapers for
    my 10 month old and night time diapers for my 3 year old)

    Do you guys know anyone that has gotten by with less that 100 a
    month for groceries?

    I make my own baby food, cook everything from scratch. Do you guys
    see anywhere I can squeeze some extra? Our budget is currently about
    $150 over what DH makes.

    Any help would be awesome! Blessing to you all!
    Mackenzie








    No virus found in this incoming message.
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  4. #4
    Loraine
    Guest

    Default New... any help will be much appreciated



    Usually, I'm a lurker on this list, and I don't know if this will help

    you or not, but if not, maybe it will help someone else. Two things:



    One, have you heard of Angel Food Ministries

    (www.angelfoodministries.com)? I heard of them from another list I'm

    on, Freezer Friendly here at yahoo groups. The beauty of this program

    is not just that you can purchase good (so people have told me) food

    for much less, but that everyone qualifies - you don't have to prove

    you are financially needy by someone else's standards. Please check

    out their website.



    Two, do you and your husband have a 401K plan? Did you know that you

    can get a loan of what is essentially your own money from that plan?

    We can where I work. My boss told me about this one day when I was

    telling her that I was tired of feeling poor because of my credit card

    debt. She told me to check out the possibility of getting a loan of

    my own money from my 401K account - we can get out as much as 50

    percent of what we have in there - and paying off my cards. I did

    that, and I can tell you - what a relief!! Six percent interest for a

    fixed period of time instead of 21 percent interest for what seemed

    like the rest of my life! And the debt that felt crippling before, I

    don't even notice now - I've got about 2 1/2 years left of payments -

    as the money is taken out of my check automatically and pre-tax. And

    it is so much easier to keep to a budget now that I don't feel

    strangled by credit card debt.



    Hope this helps,

    Loraine





    --- In Budget101_@yahoogroups.com, "mackenziefoust"

    <mackenziefoust@...> wrote:

    >

    > Okay, so I am plugging in our monthly bills in to our budget program

    > and I am having trouble finding anywhere else to cut. Let me know

    > what you think.

    > <snip>

    > 100 groceries for me my hub and two kids (this includes diapers for

    > my 10 month old and night time diapers for my 3 year old)

    > 942.28 in credit car payments (i know that's why I'm here

    > <snip>

    > Any help would be awesome! Blessing to you all!

    > Mackenzie

    >










  5. #5
    Dee Bleau
    Guest

    Default New... any help will be much appreciated

    I LOVE aldi's. I have cut my grocery bill. I still have a high one for 4. I am

    down to the cupboards being almost bare this week.So when I get pd this week I

    have to get EVERYTHING>



    You know the things that are in their for months then all of a sudden

    EVERYTHING is being used. I really dont like these weeks,.



    I will go to the Freihoffers stores also for bread.









    Dee






  6. #6
    Jennifer Huff
    Guest

    Default New... any help will be much appreciated

    The car payment looks really high. Can you sell that car and get a

    beater car for awhile until you get more out of debt? Can you cut

    your CC payments by transferring some over to less percentage rates?

    I don't know how you do only $100/mo on groceries! I cut as much as I

    can and we are struggling to to $400/mo on groceries for 4 people

    (includes dog food, pullups for nighttime for both kids, TP, PT,

    etc). It is winter now, can you get by without AC to cut the electric

    bill? Can you just do fans. We live in MA and alot of people up here

    have AC now, but we made it through this summer without it. Now if we

    can get by with keeping the heat at only 60deg this winter to save on

    the gas bill!

    Jennifer








  7. #7
    Maja Drouin
    Guest

    Default New... any help will be much appreciated

    Hello Mackenzie, Welcome to the list. I read through your monthly expenses, and holy cow, you both spend 942,28 in credit car payment (or did you mean credit card payment ?) and 379,36 in car payment. Do you & hubby have a good creditscore ? have you tried to shop around for car insurance,we have safeco and we have an extremely low yearly rate only like $600 some a year, so only about $55 a month.Your health insurance also sounds kinda spendy, are you insured by your husbands work ? We are with Blue Cross and only pay $140 a month for 2 adults and a kid, ok we have an extremely great insurance plan through my husbands work. Your doings really greaton your grocerybill. What is the 106,47 equity line - is that credit card payment ? if so what is the interest rate on that ? if you do have good credit also make sure to shop around for lower rate,we get lots of those creditcards with 0 % interest rate for up to 12
    month. I think that is the advice or tip I can give you for right now Thanks, Maja, MN

    &#32;

    <table><td> Trænger du til at se det store billede? Kelkoo giver dig gode tilbud på LCD TV!


  8. #8
    Virginia Widick
    Guest

    Default New... any help will be much appreciated

    <DIV id="yiv307188553">Call the credit card companies and arrange lower payments, or if your credit is good, switch to another that will give you no interest/lower payments and then cancel the old one. Trade in your car for something that is less per month, preferably nothing. Even an old junker will be less to run with occasional tuneups then you are paying now. Virg <FORM name="showLetter2" action="/ym/ShowLetter?Idx=0&Search=&YY=53611&y5beta=yes&y5bet a=yes&order=down&sort=date&pos=0&view=a&head=b" method="post"></FORM>


 

 
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