HELP!! Need tips- Budget101 Discussion List

I am a working mother of 3. My husband and I make decent money but we are always broke!!!!!!!!! We never are able to keep the bills in line. A lot of it is my fault. I just can't seem to buckle down. I don't manage money well. I need tips on saving money on food, household items,

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  1. #1
    shadistin3
    Guest

    Default HELP!! Need tips


    I am a working mother of 3. My husband and I make decent money but we

    are always broke!!!!!!!!! We never are able to keep the bills in

    line. A lot of it is my fault. I just can't seem to buckle down. I

    don't manage money well. I need tips on saving money on food,

    household items, etc......I don't blow money, I just don't put

    important things first then I freak out when I am behind. Sounds

    immature I know. Any advice would be helpful.



    Thank you.








  2. #2
    Ann Garner
    Guest

    Default HELP!! Need tips


    At 07:15 PM 7/23/2008, you wrote:

    >..I don't blow money, I just don't put

    >important things first then I freak out when I am behind. Sounds

    >immature I know.



    Admit it, you *do* blow money if you don't put the important things

    first. At least you do admit you do have the problem. Now learn to

    listen to yourself when you tell yourself "no".



    One thing I do when I'm really wanting to save for something is to

    take my credit cards (I have 2, and a gas credit card) and my 2 ATM

    cards and slide each in a card size envelope with something like

    "vacation in March" written on it. That visual reminder really helps

    me to keep things in perspective.



    Some people have the envelope method where they take the money each

    paycheck and put the proper amount for each payment in the designated

    envelope. I do this with a ledger system. The money stays in the

    bank account, but I keep record of what is set aside for each payment

    on a designated page in the ledger book. That way, I can do on-line

    or automated phone system payments with no trouble.



    I used to have the same problem, but I've changed my ways. It took

    me a bit of time, but I have no problems doing it now.



    Ann in Arkansas










  3. #3
    Suzi McMullen
    Guest

    Default HELP!! Need tips



    One thing that has driven me crazy for the last 21 years is that my income goes up and down a LOT. I can be sailing a long, paying my tithe, paying my bills and even have things paid ahead wherever possible. Then some daycare parent loses their job or gets laid off and suddenly I am missing some of my income. Paying bills ahead helps here, but sometimes I'll lose someone from both shifts or even 2-3 people all at the same time and no amount of planning helps me through. Not only do I lose income at that point, but I have to put ads in the paper. My debt is pretty much broken down like this...1/3rd medical related, 1/3rd job layoffs (my husbands included)and unexpected stuff that happens and 1/3rd times I've splurged which is my fault I know.

    What so often happens is that I'll think I'm doing good. So I'll spend a few hundred on something I've been waiting for. I'll pay cash for this item. Then a few days later some parent I've been working with a year or two will suddenly get fired, quit, announce they are moving away etc. Often it's with no notice what-so-ever. At that point I'll whip out the credit cards and make up for any shortages with the best intentions of getting back on track when the kids are replaced. This month is perfect example.. I have made some purchases I have wanted and thought I had money to pay for. Then my daughter got sick and we now have 4-5 bills and even an 800 dollar ambulance bill. We do have insurance. But we have deductibles and they bill for so many differentpeople/doctors/hospital/lab/radiologist etc..for the same illness. On top of that, 2 of my daycare parents were laid off this month. So my income is down and my bills are up.

    I guess I get a little jelous sometimes when I hear people talk about budgeting down to the last inth.

    Am I alone in this?

    Suzi



  4. #4
    hs3xmama
    Guest

    Default HELP!! Need tips


    To save money on food, start making everything from scratch.

    hillbillyhousewife.com is a good website for inexpensive recipes. My

    kids love the Peanut Butter Cookie cereal from that site for

    breakfast. There are also granola cereal recipes if you want cold

    cereal. Also, check out budget101.com for recipes, too. If you like

    to make things from mixes, they have a lot of mix recipes:

    http://www.budget101.com/102mix.htm



    There are lots of household recipes, too:

    http://www.budget101.com/household.htm



    If you get the toolbar, you'll have these and other cool stuff easily

    accessible right at your fingertips:

    http://budget101comfreebiesncoupons.forumtoolbar.com/





    Tami



    --- In Budget101_@yahoogroups.com, "shadistin3" <shadistin3@...> wrote:

    >

    > I am a working mother of 3. My husband and I make decent money but we

    > are always broke!!!!!!!!! We never are able to keep the bills in

    > line. A lot of it is my fault. I just can't seem to buckle down. I

    > don't manage money well. I need tips on saving money on food,

    > household items, etc......I don't blow money, I just don't put


    > important things first then I freak out when I am behind. Sounds

    > immature I know. Any advice would be helpful.

    >

    > Thank you.

    >










  5. #5
    Sally Vanwinkle
    Guest

    Default HELP!! Need tips


    It sounds like you need Dave Ramsey FPU(financial peace university) it's classes/meetings with his book.The only way I found out about it was through my church and they gave us a schlorship because they knew we wanted to take it but couldn't afford it.It teaches and gives you advice on how to manage your money.I have been doing the zero balance and it helps me keep track of my money and where it's going.From your starting balance you write down all necessities and what you need to pay until you get a zero balance.It takes a while to know how much exactly your spending so you have to write everything done at first.There is a Dave Ramsey group just like this one that you can ask for advice.It
    has help me get things in order even though I sometimes get off track but you got to keep at it.I hope everything works out.

    Sally
    ----- Original Message ----
    From: shadistin3 <shadistin3@yahoo.com>
    To: Budget101_@yahoogroups.com
    Sent: Wednesday, July 23, 2008 7:15:34 PM
    Subject: Budget101.com : HELP!! Need tips



    I am a working mother of 3. My husband and I make decent money but we
    are always broke!!!!!!! !! We never are able to keep the bills in
    line. A lot of it is my fault. I just can't seem to buckle down. I

    don't manage money well. I need tips on saving money on food,
    household items, etc......I don't blow money, I just don't put
    important things first then I freak out when I am behind. Sounds
    immature I know. Any advice would be helpful.

    Thank you.






  6. #6
    arlisa
    Guest

    Default HELP!! Need tips


    Get a Money book or a computer programas Quick books

    make a list of all the major bills, food,clothes entertaiment etc.

    Then once everything is paid down

    see what is left

    put the rest in a savings account

    It'll kill at first but i will help you in the long run and become an

    aouautomatic system for you

    it has helped for me

    arlisa







    --- In Budget101_@yahoogroups.com, "shadistin3" <shadistin3@...> wrote:

    >

    > I am a working mother of 3. My husband and I make decent money but

    we

    > are always broke!!!!!!!!! We never are able to keep the bills in

    > line. A lot of it is my fault. I just can't seem to buckle down. I

    > don't manage money well. I need tips on saving money on food,

    > household items, etc......I don't blow money, I just don't put

    > important things first then I freak out when I am behind. Sounds

    > immature I know. Any advice would be helpful.

    >

    > Thank you.

    >










  7. #7
    Laura Sharp
    Guest

    Default HELP!! Need tips


    No you are not alone.. we go thru the same thing. Hubby was working M-F 12-14 hours a day, most Sat. 10-12 hours... We had money saved, paid ahead on some things, etc. Then one Friday they announced a lay off will happen for winter. This was right before Thanksgiving, layoff would happen at Christmas time, off for 3 weeks, brought back to work in Jan. Ok, that&#39;ll work. He goes back on Monday, told nope, change of plans, you will work Mon, Tues, Wed, off Thursday for Thanksgiving and if you don&#39;t come in Friday, you don&#39;t get your Holiday pay, off work starting the following the week and we don&#39;t know when you&#39;ll be coming back. He was out of work for 4 months before they started up again. This was a few years back... thankfully we had money saved. Problem now, all the saved money is gone, he works 4 days a week, flat 40 hours... we have no overtime to save up for winter layoff which has happened every year since, so every year is a little tougher. This year with fuel and food skyrocketing it will be worse. I&#39;m hoping my garden will do good and I can get alot canned to feed us this year.

    Laura
    sw Ohio
    zone 5-6


    On 7/23/08, Suzi McMullen[/b] <smcmullen@kc.rr.com> wrote:

    <div style="BACKGROUND-COLOR: #ffffff;" bgcolor="#ffffff">
    <font face="Arial" size="2">One thing that has driven me crazy for the last 21 years is that my income goes up and down a LOT. I can be sailing a long, paying my tithe, paying my bills and even have things paid ahead wherever possible. Then some daycare parent loses their job or gets laid off and suddenly I am missing some of my income. Paying bills ahead helps here, but sometimes I&#39;ll lose someone from both shifts or even 2-3 people all at the same time and no amount of planning helps me through. Not only do I lose income at that point, but I have to put ads in the paper. My debt is pretty much broken down like this...1/3rd medical related, 1/3rd job layoffs (my husbands included)and unexpected stuff that happens and 1/3rd times I&#39;ve splurged which is my fault I know.
    <font face="Arial" size="2">
    <font face="Arial" size="2">What so often happens is that I&#39;ll think I&#39;m doing good. So I&#39;ll spend a few hundred on something I&#39;ve been waiting for. I&#39;ll pay cash for this item. Then a few days later some parent I&#39;ve been working with a year or two will suddenly get fired, quit, announce they are moving away etc. Often it&#39;s with no notice what-so-ever. At that point I&#39;ll whip out the credit cards and make up for any shortages with the best intentions of getting back on track when the kids are replaced. This month is perfect example.. I have made some purchases I have wanted and thought I had money to pay for. Then my daughter got sick and we now have 4-5 bills and even an 800 dollar ambulance bill. We do have insurance. But we have deductibles and they bill for so many differentpeople/doctors/hospital/lab/radiologist etc..for the same illness. On top of that, 2 of my daycare parents were laid off this month. So my income is down and my bills are up.
    <font face="Arial" size="2">
    <font face="Arial" size="2">I guess I get a little jelous sometimes when I hear people talk about budgeting down to the last inth.
    <font face="Arial" size="2">
    <font face="Arial" size="2">Am I alone in this?
    <font face="Arial" size="2">[/quote]



  8. #8
    arlisa
    Guest

    Default HELP!! Need tips


    wow i messed that up

    lol



    (arlisa) ^^







    ----- Original Message ----

    From: arlisa <arli_boo@yahoo.com>

    To: Budget101_@yahoogroups.com

    Sent: Thursday, July 24, 2008 12:49:01 AM

    Subject: Budget101.com : Re: HELP!! Need tips





    Get a Money book or a computer programas Quick books

    make a list of all the major bills, food,clothes entertaiment etc.

    Then once everything is paid down

    see what is left

    put the rest in a savings account

    It'll kill at first but i will help you in the long run and become an

    aouautomatic system for you

    it has helped for me

    arlisa






  9. #9
    Idodc@aol.com
    Guest

    Default HELP!! Need tips




    Suzie, I can relate, I did daycare for 10 years 24/7 nothing like not having a life...

    I would always try to have 1 or 2 kids more than I needed to get all the bills paid so when a parent quit, etc.... I was still solvent until the next one.... and the food program check certainly helped with expenses.... Also does your local community have any programs for day care incentives? We have smart start that has bonus programs for daycares if you are getting childcare education (which I did online)...

    good luck! I feel your pain

    alana




    Get fantasy football with free live scoring. Sign up for FanHouse Fantasy Football today.



  10. #10
    brown_eyed_girl375
    Guest

    Default HELP!! Need tips


    You need to get organized and create lists of payment priorites. All

    of the frugal tips are great, but will not really save you money if

    you aren't already organized. I know this from experience. I would

    just spend the money saved on something else until I got organized. I

    know it isn't fun, but it is essential and will help you to see where

    your money is going and what is getting paid. There are lots of books

    and computer programs designed to help with this, but a notebook and

    pencil are all you really need. Good Luck!







    --- In Budget101_@yahoogroups.com, "shadistin3" <shadistin3@...> wrote:

    >

    > I am a working mother of 3. My husband and I make decent money but

    we

    > are always broke!!!!!!!!! We never are able to keep the bills in

    > line. A lot of it is my fault. I just can't seem to buckle down.

    I

    > don't manage money well. I need tips on saving money on food,

    > household items, etc......I don't blow money, I just don't put

    > important things first then I freak out when I am behind. Sounds

    > immature I know. Any advice would be helpful.

    >

    > Thank you.

    >










  11. #11
    Ann Garner
    Guest

    Default HELP!! Need tips


    At 10:06 PM 7/23/2008, you wrote:

    >One thing that has driven me crazy for the last 21 years is that my

    >income goes up and down a LOT. I can be sailing a long, paying my

    >tithe, paying my bills and even have things paid ahead wherever

    >possible. Then some daycare parent loses their job or gets laid off

    >and suddenly I am missing some of my income.



    If I was in your situation, I would set my budget at hubbies income

    and something like half the day care income. Any income over that

    would be going straight into the savings account for

    emergencies. That way, you would have the funds to use in case you

    dropped below half capacity of the day care and not have to run up

    those credit cards. I know--it's hard to do. Making small changes

    so you gradually get there helps.



    Ann in Arkansas, still making my own small changes, and seeing them

    working for me.










  12. #12
    Suzi McMullen
    Guest

    Default HELP!! Need tips



    My husband barely clears the mortgage after taxes and insurance is deducted from his check. We couldn't even come close to living on his income. The daycare is the primary source of income even if it is unstable. He drives 45 minutes each way to work so he's spending at least 500 per month on gas too. But his job isn't one that's easy to find. We can't move closer either because the laws in KS are very unfavorable towards daycare and homeschooling. Even if I was willing to move, it can take up to 6 months to get licensed and you can't even have 1 full-time child in KS until you are.

    Suzi
    [quote]
    ----- Original Message -----
    From: Ann Garner
    To: Budget101_@yahoogroups.com
    Sent: Thursday, July 24, 2008 8:28 AM
    Subject: Re: Budget101.com : Budgeting Issues





    At 10:06 PM 7/23/2008, you wrote:
    >One thing that has driven me crazy for the last 21 years is that my
    >income goes up and down a LOT. I can be sailing a long, paying my
    >tithe, paying my bills and even have things paid ahead wherever
    >possible. Then some daycare parent loses their job or gets laid off
    >and suddenly I am missing some of my income.

    If I was in your situation, I would set my budget at hubbies income
    and something like half the day care income. Any income over that
    would be going straight into the savings account for
    emergencies. That way, you would have the funds to use in case you
    dropped below half capacity of the day care and not have to run up
    those credit cards. I know--it's hard to do. Making small changes
    so you gradually get there helps.

    Ann in Arkansas, still making my own small changes, and seeing them
    working for me.





  13. #13
    Suzi McMullen
    Guest

    Default HELP!! Need tips



    Alana,
    I really do try and stay ahead on kids like that. I guess I just made too many mistakes with my spending through the years so that when the medical bills and my husbands 10 months unemployment hit I wasn't ready. Now digging out from under will take years and years.

    Suzi
    [quote]
    ----- Original Message -----
    From: Idodc@aol.com
    To: Budget101_@yahoogroups.com
    Sent: Thursday, July 24, 2008 7:28 AM
    Subject: Re: Budget101.com : Budgeting Issues






    Suzie, I can relate, I did daycare for 10 years 24/7 nothing like not having a life...

    I would always try to have 1 or 2 kids more than I needed to get all the bills paid so when a parent quit, etc.... I was still solvent until the next one.... and the food program check certainly helped with expenses.... Also does your local community have any programs for day care incentives? We have smart start that has bonus programs for daycares if you are getting childcare education (which I did online)...

    good luck! I feel your pain

    alana





    <FONT style="FONT: 10pt ARIAL, SAN-SERIF;COLOR: black;">

    Get fantasy football with free live scoring. Sign up for FanHouse Fantasy Football today.






  14. #14
    Dee Bleau
    Guest

    Default HELP!! Need tips


    I use Quick Books for the business. LOVE IT!!!!! <FONT face="Comic Sans MS" size="3"> <FONT face="Comic Sans MS" size="3">It does not have a place where you can do bills and then subtracts when you make a paymnet does it? <FONT face="Comic Sans MS" size="3"> <FONT face="Comic Sans MS" size="3">Dee

    arlisa <arli_boo@yahoo.com> wrote: wow i messed that up
    lol

    (arlisa) ^^

    -----
    Original Message ----
    From: arlisa <arli_boo@yahoo.com>
    To: Budget101_@yahoogroups.com
    Sent: Thursday, July 24, 2008 12:49:01 AM
    Subject: Budget101.com : Re: HELP!! Need tips

    Get a Money book or a computer programas Quick books
    make a list of all the major bills, food,clothes entertaiment etc.
    Then once everything is paid down
    see what is left
    put the rest in a savings account
    It'll kill at first but i will help you in the long run and become an
    aouautomatic system for you
    it has helped for me
    arlisa




  15. #15
    Joi
    Guest

    Default HELP!! Need tips


    --- In Budget101_@yahoogroups.com, "Suzi McMullen" <smcmullen@...>

    wrote:

    >

    > One thing that has driven me crazy for the last 21 years is that my

    income goes up and down a LOT. I can be sailing a long, paying my

    tithe, paying my bills and even have things paid ahead wherever

    possible. Then some daycare parent loses their job or gets laid off

    and suddenly I am missing some of my income. Paying bills ahead

    helps here, but sometimes I'll lose someone from both shifts or even

    2-3 people all at the same time and no amount of planning helps me

    through. Not only do I lose income at that point, but I have to put

    ads in the paper. My debt is pretty much broken down like

    this...1/3rd medical related, 1/3rd job layoffs (my husbands

    included) and unexpected stuff that happens and 1/3rd times I've

    splurged which is my fault I know.

    >

    > What so often happens is that I'll think I'm doing good. So I'll

    spend a few hundred on something I've been waiting for. I'll pay

    cash for this item. Then a few days later some parent I've been

    working with a year or two will suddenly get fired, quit, announce

    they are moving away etc. Often it's with no notice what-so-ever.

    At that point I'll whip out the credit cards and make up for any

    shortages with the best intentions of getting back on track when the

    kids are replaced. This month is perfect example.. I have made some

    purchases I have wanted and thought I had money to pay for. Then my

    daughter got sick and we now have 4-5 bills and even an 800 dollar

    ambulance bill. We do have insurance. But we have deductibles and

    they bill for so many different

    people/doctors/hospital/lab/radiologist etc.. for the same illness.

    On top of that, 2 of my daycare parents were laid off this month. So

    my income is down and my bills are up.

    >

    > I guess I get a little jelous sometimes when I hear people talk

    about budgeting down to the last inth.

    >

    > Am I alone in this?

    >

    > Suzi

    >

    I know exactly what you mean. My husband works for a contractor that

    has jobs all over the country. Our income can go from $750 a week to

    $1500 a week. Which although that may look like a huge income, also

    realize we are supporting 2 households when we are traveling, motels

    and eating out (which can't be avoided)and when we are home and then

    go back out on the road it costs us upwards of $1000 out of our

    pockets until per diem kicks in, so I have to save for this. I am a

    stay at home mom, due in large to the fact that if I didn't travel

    with my husband he would be absolutely miserable. He is a homebody if

    ever I saw one. This past winter my son ended up in 3 emergency rooms

    in 3 different states. I am still paying for those bills. I also have

    what I term a "wish list," stuff I buy when we get some extra income.

    But I also try to buy a few canned goods when the money is good, so

    that when it isn't I have extras that I won't have to worry about

    buying when the checks are small. You are not alone. We are still

    working on our budgeting process, he has a good paying job and I

    realize I am blessed in this, but we have always spent more than he

    made and now we are digging out of that hole. I did at home daycare

    and there were a few agencies that I registered with that would send

    me clients everynow and then or I could call if I had an opening. In

    our area daycare only covers 50% of what is needed so I always had a

    waiting list. The Family Conservancy was one such agency and our

    local health dept. Hope this helps, you are not alone.








 

 
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