Worst budgeting item..- Budget101 Discussion List

I am curious what everyones downfall is on their budgeting? I can do great on clothes for mebut I am terrible with clothes for my 13 year old daughter. I think it is because I didnt have nice clothes etc when I was a kid. I also splurge on fruit. I know that sounds silly but I remeber that as a

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  1. #1
    Tressa Watts
    Guest

    Default Worst budgeting item..


    I am curious what everyones downfall is on their budgeting? I can do great on clothes for mebut I am terrible with clothes for my 13 year old daughter.

    I think it is because I didnt have nice clothes etc when I was a kid. I also splurge on fruit. I know that sounds silly but I remeber that as a kid alot of FRuits were not in my moms food budget..we recieved food stamps, government cheese etc during the winter because my parents worked construction and there wasnt much work during winter.

    Another bad thing is sports for my daughter....camps, gear, uniforms, shoes etc. I am sure I have spent over $5,000 this year alone on sports for her with elite volleyball and travel (cost $900 team dues just to play not counting hotels, gas shoes etc) She also went to basketball camp at Ganzaga. How do parents with more then 1 kid do it? Around here if you are not doing the camps and elite teams on the off season you will not be playing on a highschool team. She hopes to be playing varsity next year her freshman year. Not only she enjoys it but it keeps her busy so she is not in trouble...

    anyways just curious how if others have "bad budgeting items" or is everyone really good with their budgets?

    I am here to save on little things I wont miss so I dont have to miss the other things I really enjoy so all the little tricks really do help.

    Tressa

    Benton City, WA


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  2. #2
    Karen Pierce
    Guest

    Default Worst budgeting item..



    <FONT face="Comic Sans MS" color="#008000" size="4">I would have to say my worst budgeting item is my hobby - counted cross stitch. I cannot seem to tighten the belt when it comes to that.
    <FONT face="Comic Sans MS" color="#008000" size="4">
    <FONT face="Comic Sans MS" color="#008000" size="4">KarenP

    <BLOCKQUOTE style="BORDER-LEFT: #008000 2px solid;">
    ----- Original Message -----
    From: Tressa Watts
    To: budgetgroup
    Sent: Wednesday, March 19, 2008 8:39 PM
    Subject: Budget101.com : Worst budgeting item..





    I am curious what everyones downfall is on their budgeting? I can do great on clothes for mebut I am terrible with clothes for my 13 year old daughter.






  3. #3
    Alisa Head
    Guest

    Default Worst budgeting item..




    I also spent $$ for my 2 kiddo's "extra" activities while they were younger (and I was a single mom for 10 years of their childhood). I really don't regret it too much because of the skills they learned,rich experiences and friendships they had because of those activities. There was value in keeping them constructively busy as long as I did not neglect other essentials (healthcare, savings, etc.) to fund their enrichment. Scholarship opportunities were also a benefit of such activities





    Now, eating away from home is our pitfall. The kids are on their own (for the most part) and we need to funnel more $$ into retirement planning. My husband and I religiously carry our snacks and lunches (leftovers) to work, almost always carry a drink from home when running errands, etc., and generally cook dinner at home most evenings; however, the temptation is great to go out to eat after church on Sunday most weeksand if we don't schedule our errands carefully it is easy to "pick something up while we're out and just hold whatever has been planned and/or prepared for another time".





    I try to use coupons to trim costs for dining out, drink water, etc., but it still really can add up especially if we go out more than 1x/week! I like eating out to be an occasional treat to look forward to, not simply a budget-buster "just because".





    The other item that myDH does that kills the budget and simply irrates me to no end is call information regularly on his cell phone ($1.79 each call with Sprint) for telephone numbers versus using FREE 411 or a similar service, using the internet (Anywho) or an old fashioned phone book. The convenience is simply not worth $1.79 per call to me . . .





    Dry cleaning/laundry is another pitfall -- I guess I have more work to do on improving our budget than I originally thought . . .





    Alisa
    --- On Wed, 3/19/08, Tressa Watts <TressaPSGT@hotmail.com> wrote:

    From: Tressa Watts <TressaPSGT@hotmail.com>
    Subject: Budget101.com : Worst budgeting item..
    To: "budgetgroup" <budget101_@yahoogroups.com>
    Date: Wednesday, March 19, 2008, 8:39 PM


    <DIV id="yiv655897410">



    I am curious what everyones downfall is on their budgeting? I can do great on clothes for mebut I am terrible with clothes for my 13 year old daughter.
    I think it is because I didnt have nice clothes etc when I was a kid. I also splurge on fruit. I know that sounds silly but I remeber that as a kid alot of FRuits were not in my moms food budget..we recieved food stamps, government cheese etc during the winter because my parents worked construction and there wasnt much work during winter.
    Another bad thing is sports for my daughter.... camps, gear, uniforms, shoes etc. I am sure I have spent over $5,000 this year alone on sports for her with elite volleyball and travel (cost $900 team dues just to play not counting hotels, gas shoes etc) She also went to basketball camp at Ganzaga. How do parents with more then 1 kid do it? Around here if you are not doing the camps and elite teams on the off season you will not be playing on a highschool
    team. She hopes to be playing varsity next year her freshman year. Not only she enjoys it but it keeps her busy so she is not in trouble...
    anyways just curious how if others have "bad budgeting items" or is everyone really good with their budgets?
    I am here to save on little things I wont miss so I dont have to miss the other things I really enjoy so all the little tricks really do help.
    Tressa
    Benton City, WA



    Climb to the top of the charts!Play the word scramble challenge with star power. Play now!







  4. #4
    Nikki Papenburg
    Guest

    Default Worst budgeting item..


    I know oh to well on the sports for children. 3 of my children stay active in sports year round. I don't spend money on all those camps and extra's nor is it the same sport as you can ruin their bodies. If your child has talent it will show. Plus batting cages are like 5 dollars for an hours worth of play. I also made a pitching mound in my back yard and we belong to the YMCA were they can practice anything. I personally talk to the presidents of the leagues and ask for discounts for multiple children. Sell extra candy bar and raffle tickets to help with the cost. I also donate extra time in concession stand, cleaning fields and numerous other things.
    Nikki
    Ottawa, IL

    Tressa Watts <TressaPSGT@hotmail.com> wrote: I am curious what everyones downfall is on their budgeting? I can do great on clothes for mebut I am terrible with clothes for my 13 year old daughter.
    I think it is because I didnt have nice clothes etc when I was a kid. I also splurge on fruit. I know that sounds silly but I remeber that as a kid alot of FRuits were not in my moms food budget..we recieved food stamps, government cheese etc during the winter because my parents worked construction and there wasnt much work during winter.
    Another bad thing is sports for my daughter....camps, gear, uniforms, shoes etc. I am sure I have spent over $5,000 this year alone on sports for her with elite volleyball and travel (cost $900 team dues just to play not counting hotels, gas shoes etc) She also went to basketball camp at
    Ganzaga. How do parents with more then 1 kid do it? Around here if you are not doing the camps and elite teams on the off season you will not be playing on a highschool team. She hopes to be playing varsity next year her freshman year. Not only she enjoys it but it keeps her busy so she is not in trouble...
    anyways just curious how if others have "bad budgeting items" or is everyone really good with their budgets?
    I am here to save on little things I wont miss so I dont have to miss the other things I really enjoy so all the little tricks really do help.
    Tressa
    Benton City, WA


    <hr>Climb to the top of the charts!Play the word scramble challenge with star power. Play now! [/quote]



  5. #5
    Katrina Hartman
    Guest

    Default Worst budgeting item..



    I think mine is my hobby too...scrapbooking. My 15 yo son is really invovled in sports, but it costs me nothing compared to what it costs you Tressa. Golf, Basketball, and his passion...baseball--that's where we spend the most money with camps, overnight tournaments, travel, but not to the extent that you speak of.

    ~~*Katrina*~~
    Life is short. Break the rules. Forgive quickly.
    Kiss slowly. Love truly. Laugh uncontrollably.
    And never regret anything that made you smile.

    [quote]
    ----- Original Message -----
    From: Karen Pierce
    To: Budget101_@yahoogroups.com
    Sent: Thursday, March 20, 2008 6:37 AM
    Subject: Re: Budget101.com : Worst budgeting item..






    <FONT face="Comic Sans MS" color="#008000" size="4">I would have to say my worst budgeting item is my hobby - counted cross stitch. I cannot seem to tighten the belt when it comes to that.
    <FONT face="Comic Sans MS" color="#008000" size="4">
    <FONT face="Comic Sans MS" color="#008000" size="4">KarenP

    <BLOCKQUOTE style="BORDER-LEFT: #008000 2px solid;">
    ----- Original Message -----
    From: Tressa Watts
    To: budgetgroup
    Sent: Wednesday, March 19, 2008 8:39 PM
    Subject: Budget101.com : Worst budgeting item..





    I am curious what everyones downfall is on their budgeting? I can do great on clothes for mebut I am terrible with clothes for my 13 year old daughter.









  6. #6
    Donna Shad
    Guest

    Default Worst budgeting item..




    We did the sports thing with the older son but the younger is

    not into sports. He likes cars (now there's an expensive hobby).

    We are remodeling our garage for him to be able to work on his

    cars and build furniture. (both are very expensive but he is

    good at both). He plans to use the expansion as his wood working

    shop and the remodled part as his car shop (he's 18 years old

    and about to graduate high school).

    My budget buster is medical costs. It is hard for me to not get

    medication when I know my family needs it. Testing supplies for

    Diabeties are the worst (especially two of us have to test). I

    know that is a weird budget buster but when you pay 175.00 for

    just meds a month (after insurance and sometimes is 205.00) then

    add testing supplies, lancets, alchol pads, cotton balls and

    bandaids (I bleed to much and would take sometimes twenty

    minutes to get it to stop if the lancet is to deep) it is

    outrageous.

    I also got nuts a christmas time as well but I plan for it all

    year and put money back each month for my christmas fund. So

    that kind of works out but I still go over.

    Food is another thing that is breaking my actuall monthly

    budget. I love to cook and my family loves to eat so I have to

    be carefull about what I buy and that we will eat and enjoy it

    without killing our glucose levels.

    I do okay with my hobbies on cross stitch as I make alot of my

    own patterns and download free patterns alot. I will buy the

    cross stitch material by the yard and make my own kits. I have

    alot of thread that I have bought over the years so I don't have

    to keep buying it all the time. I limit myself to 20 skeins a

    month out of my pocket money. (yes we each get pocket money that

    has to cover any outside eating for lunch or hobbies or special

    things that we want for ourselves) books would kill me if I

    didn't have the pocket money. I save up to buy the more

    expensive ones (usually health and nutrition books).

    Donna









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  7. #7
    Michele Sheriff
    Guest

    Default Worst budgeting item..


    My downfall is clothes and extras for my 16 yr old daughterand sports for my 11yr old daughter and just plan junk for my 11yr old son. I feel guilty being a single mom and given in easier than I should. This is something I am working on. When we go to the store I say over and over in my head "I can say no, I will say no" I know it is crazy but it is slowlyworking for me. (I also try to go to the store without my kids) Michele

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  8. #8
    Thomas & Tracy Harris
    Guest

    Default Worst budgeting item..



    Karen,

    I hear ya there...LOL I'm the same way, same hobby.

    Thomas & Tracy Harris
    TNT Quarter Horses home of:
    TNTS Jack Be Blue - 2004 AQHA Buckskin Stallion
    TNTS Medicine Man - 2005 AQHA Perlino Stallion

    [quote]
    ----- Original Message -----
    From: Karen Pierce
    To: Budget101_@yahoogroups.com
    Sent: Thursday, March 20, 2008 7:37 AM
    Subject: Re: Budget101.com : Worst budgeting item..


    <FONT face="Comic Sans MS" color="#008000" size="4">I would have to say my worst budgeting item is my hobby - counted cross stitch. I cannot seem to tighten the belt when it comes to that.
    <FONT face="Comic Sans MS" color="#008000" size="4">
    <FONT face="Comic Sans MS" color="#008000" size="4">KarenP

    <BLOCKQUOTE style="BORDER-LEFT: #008000 2px solid;">
    ----- Original Message -----
    From: Tressa Watts
    To: budgetgroup
    Sent: Wednesday, March 19, 2008 8:39 PM
    Subject: Budget101.com : Worst budgeting item..





    I am curious what everyones downfall is on their budgeting? I can do great on clothes for mebut I am terrible with clothes for my 13 year old daughter.








  9. #9
    Pj
    Guest

    Default Worst budgeting item..


    My downfall would have to be the stuff for the kids. Like yesterday I spent $34 on pizzas for my DS club meeting at school. But it won't kill me, and it makes for good memories for him. So for me, that's what it's all about. I guess that would be my reason for saving in other areas. I also spend on the kids extra curricular. But I wouldn't consider NOT having them in - it's so important for kids to be occupied doing constructive activities. So right now the kids are in softball, beading, reading, science, basketball, archery, art, drama, piano and scouts. BTW Tressa, we are a volleyball family too! My DH has coached for years, HS and we both coached Club last winter (took this winter off, just too much to do both with our family situation, plus I have a great dislike for the Club owners). Where does your DD play?

    <FONT face="comic sans ms" color="#347d7e" size="4">Pj <FONT face="Comic Sans MS" color="#347d7e" size="3">Insane Mom to J, J, N, L, B, H, N, N, N, B, B, K, K, T, S, R <FONT face="Comic Sans MS" color="#347d7e" size="3">ages 28y - 10mo <FONT face="Comic Sans MS" color="#347d7e" size="3">(but only 8 kids at home now)

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  10. #10
    Tressa Watts
    Guest

    Default Worst budgeting item..


    I agree...keepingher in activities is extremly important to me. As a single parent...(well I guess not technically on my own as her dad does take her on weekends it is convenenient to him...ie no out of town tournaments etc.) But I have my work scheduled so that I can usually beat her home if she is in sports after school so no unattended time ...

    She isnt playing spring sports at school..(just club vball and practicing with highschool girls for bball)but is in a cooking class and a newspaper class offered after school this quarter.(FREE!!!)

    My daughter plays for Columbia Juniors in Tri-Cities Washington http://www.columbiajuniors.com/





    To: Budget101_@yahoogroups.com
    From: fulldozen@yahoo.com
    Date: Thu, 20 Mar 2008 08:20:35 -0700
    Subject: Re: Budget101.com : Worst budgeting item..





    My downfall would have to be the stuff for the kids. Like yesterday I spent $34 on pizzas for my DS club meeting at school. But it won't kill me, and it makes for good memories for him. So for me, that's what it's all about. I guess that would be my reason for saving in other areas.
    I also spend on the kids extra curricular. But I wouldn't consider NOT having them in - it's so important for kids to be occupied doing constructive activities. So right now the kids are in softball, beading, reading, science, basketball, archery, art, drama, piano and scouts.

    BTW Tressa, we are a volleyball family too! My DH has coached for years, HS and we both coached Club last winter (took this winter off, just too much to do both with our family situation, plus I have a great dislike for the Club owners). Where does your DD play?






    <FONT face="comic sans ms" color="#347d7e" size="4">Pj
    <FONT face="Comic Sans MS" color="#347d7e" size="3">Insane Mom to J, J, N, L, B, H, N, N, N, B, B, K, K, T, S, R
    <FONT face="Comic Sans MS" color="#347d7e" size="3">ages 28y - 10mo <FONT face="Comic Sans MS" color="#347d7e" size="3">(but only 8 kids at home now)









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  11. #11
    mem68
    Guest

    Default Worst budgeting item..


    Donna, have you tried to cut your diabetic stripes into -making 2 stripes?

    You are to be congradulated on your son! It sounds like he can go into

    business for himself. Learning crafts for life.

    Can you get some of your meds at Walmart and some other places on their

    $4.00/ meds? You can get a list of them from Walmart.

    ----- Original Message -----

    From: "Donna Shad" <sdbmshad@yahoo.com>

    To: <Budget101_@yahoogroups.com>

    Sent: Thursday, March 20, 2008 8:42 AM

    Subject: Re: Budget101.com : Worst budgeting item..





    >

    > We did the sports thing with the older son but the younger is

    > not into sports. He likes cars (now there's an expensive hobby).

    > We are remodeling our garage for him to be able to work on his








  12. #12
    mem68
    Guest

    Default Worst budgeting item..



    I am not going to scrimp on some things for my son. He just earned a trip for the NATIONAL CENTER FOR EARLY ACADEMIC EXCELLENCE thru the University of Va. because of his leadership,personality,grades etc. Voted by his teacher. To be heldat the NC University for a week. He chose CSI to study. He is 10 yo and small for his size. I think this will improve his self esteem more than anything. The cost for the class is $1500.00 ,a motel room, a tracfone etc. but it will also be a vacation for he and I.He is in church,scouts,4 H, and looking at soccer this summer.
    I will cut cost at other places. I have a lady at church sharing her son's clothes w/my son-when he out grows than I pass on to another family at church.Use coupons for everything that I can. Buy grocery and other items on sale. Got 2 church dress at Goodwill this week.Plan my trips to save on gas. Put out a small garden in the yard. Freeze an can items.Mend clothes to fit.collected pine needles at school and put around the rose bushes, hauled free compost in 5-5 gallon buckets in my car,collect cans to turn in for the money,collected free flowers from a lot that was being filled in w/ dirt, bought Easter Baskets at Toys for Tots for $5, got a new bread maker there w/ instruction book for $5, get free agazines at the library and after reading pass them on,visit garage sales-yesterday got Shrek for $.50. Pay all my bill by bank draft-saving a stamp,gas,time,even if I forget -they are paid,have SS ck direct deposited. try to stay out of the grocery store. thanks
    [quote]
    ----- Original Message -----
    From: Tressa Watts
    To: budgetgroup
    Sent: Wednesday, March 19, 2008 8:39 PM
    Subject: Budget101.com : Worst budgeting item..

    I am curious what everyones downfall is on their budgeting? I can do great on clothes for mebut I am terrible with clothes for my 13 year old daughter.
    I think it is because I didnt have nice clothes etc when I was a kid. I also splurge on fruit. I know that sounds silly but I remeber that as a kid alot of FRuits were not in my moms food



  13. #13
    Donna Shad
    Guest

    Default Worst budgeting item..


    The strips are computer chipped so can't cut them in half. If

    they even get the slightest bent they won't work. Got to wash

    your hands before touching them as oil on the hands can cause

    them to not function properly.

    Our co-pay on most drugs is 5.00 and walmart is so far from me I

    would eat up the savings in no time. I have to order some off

    line but I take 11 pills a day (three of them are twice a day 5

    are once) my husband also takes 6 pills a day (one is twice and

    4 are onece a day) it's the ones that are like Prevacid that are

    killers (40.00 per month) Actos is another (40.00 per month) my

    asthma med is also 40.00 per package (fortuantly I only have to

    buy that once a year and it's not included in my daily meds.

    Niether is my inhailer its also a 40.00 per inhailer. I have

    checked walmart and they don't have them any less. My insurance

    company controls the cost.

    My son is going to go to college before he opens a buisness. He

    can't seem to get it through his thick little head on that one.

    But he is very talented. He builds alot of furniture for me and

    I get alot of complements on them. I get asked who the designer

    is (which is usually me because I know the CAD part of the

    design.) He builds off my drawings and he also makes

    recommendations that are incorporated into the work.

    He is also very mechanically inclined. He is interested in

    Mechanical Engineering which fits into our family like a glove.

    My oldest son is a computer engineer, husband is a STructrural

    engineer and I am a CADD Designer. So enigneering kind of runs

    in the blood for us.

    He is also very good at money and has to be the most frustrating

    person to go shopping with that anyone would ever meet. He is

    the one that stands in the lumber store looking at every 2x4 to

    make sure he is getting the best quality he can (takes him about

    an hour to pick 4 2x4's. I won't even tell you how long it takes

    to get plywood or osb boards.

    But thanks for the kind words and the thoughts about saving.

    Unfortunatly diabeties is expensive.

    Donna

    --- mem68 <mildreda@lcs.net> wrote:



    > Donna, have you tried to cut your diabetic stripes into

    > -making 2 stripes?

    > You are to be congradulated on your son! It sounds like he

    > can go into

    > business for himself. Learning crafts for life.

    > Can you get some of your meds at Walmart and some other

    > places on their

    > $4.00/ meds? You can get a list of them from Walmart.

    > ----- Original Message -----

    > From: "Donna Shad" <sdbmshad@yahoo.com>

    > To: <Budget101_@yahoogroups.com>

    > Sent: Thursday, March 20, 2008 8:42 AM

    > Subject: Re: Budget101.com : Worst budgeting item..

    >

    >

    > >

    > > We did the sports thing with the older son but the younger

    > is

    > > not into sports. He likes cars (now there's an expensive

    > hobby).

    > > We are remodeling our garage for him to be able to work on

    > his

    >

    >

    > ------------------------------------

    >

    >

    >

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