- This topic has 5 replies, 1 voice, and was last updated October 29, 2007 at 9:43 pm by .
- October 29, 2007 at 9:43 pm #253923
Ok, I have for one, been caught in this predicament many a times and
thank god I have a loving husband who hasn’t left me for my bad
bugeting skills, although he’s threatened many times…..
He’s the hoarder and I’m the spender, I just yesterday, spent the $50
I didn’t have to spend at the doctor for stuff we “had to have” but
I’m sure that we could have gone a week or so without.
We moved to a VERY rural area about 2 years ago. And even though you’d
think that the cost of living here is lower since we don’t have a
mortgage or a rent payment, the pay here is so bad that you can make
$8/hr and still qualify for food stamps. I swear, if it wasn’t for
that, we’d really be up the creek. And I worked at Walmart for a while
and they say that it’s the pays their workers well, HA!! I beg to
differ!! I was going in the hole just working there and spending my
money there. It gave a new meaning to being owned by the company store!!
One good thing about being down south is that they have Discount
Grocery Stores. It saves me almost 1/2 of my grocery bill. When we
lived in the midwest, it was cheaper to go to Walmart to go grocery
shopping, but now, where my normal grocery bill for 6 people would bee
$120/wk, I can spend about $65 for the same amount of food. All it is
is store brand overstock and it’s not out of date, although you really
have to look sometimes. And they have a Meat Cutter there on site!!
not like the packaged meat from Austrailia like Walmart. Now don’t get
me wrong, I still shop at Walmart, (we don’t have a target) but I am
VERY selective on what I can get, And I also go to Sam’s club once a
month for all the big stuff and do my comparison shopping online.
Since sam’s club is in the bulk business, you have to go by unit.
Like, toilet paper- I get the pom tp, a box of 45 rolls for $17 after
taxes, that’s 37 cents a roll compared to $7/12 rolls = 58 cents a
roll. And its the same tp that they have a church and at most hospitals.
My other suggestion, although I know that it’s going to get some neg
reviews, How many credit cards do you pay on??? Sue Orman (sp) has
said it too, so I know I’m not wrong. Stop paying them for a while.
They can’t put you in jail. If you take the 3 months that you DON’T
pay them, you might get caught up on the house and you don’t want a
forclosure. Your kids will resent you and your husband will dispise
you. put your money on a priority. House, utilites, car, extra.
it’s one thing my penny pinching husband has taught me–pay in cash or
pay it off. we don’t have credit cards, they are the 1 thing that has
this country going down hill. We sold the land that we had and paid
for the house we are in now. Rent and mortgage free. The cars are paid
for, granted they are older than 10 years old (a 89 suburban that
still gets 15 mpg and a 98 olds minivan that gets 25mpg), but no car
payment and the upkeep on them is still minimal. And it’s cheaper to
have liability insurance on them, If I get hit it’s not me who’s going
to the hospital, but the other guy. I upped the medical coverage on my
auto insurance though just incase. Shop for cheaper insurance, call
your agent. Do you drive less than 12000 miles per year? there is a
discount for that. Tell her that you want her to save you money or
you’ll shop somewhere else. They will help!!
I hope these suggestions can help a little. I have 6 people in my house and I
have to make it work
with less than $1000 a month (I’m not kidding) so if you want more
suggestions, just email me.
— In Budget101_@yahoogroups.com, “giney_smith”
> Okay I need help….
> First off, I am a spender in many ways. I have gotten our family in
> trouble. Let me back up by saying I don’t shop much…but when I go
> to the store, I seem to always “have to have something” usually its
> little stuff that adds up. The other is “convience” foods….
> We are going down hill fast, everything is late including our house
> by a few months…..
> I need to start selling/saving where do I begin???
> The selling department, I have a lot of stuff laying around here,
> that could be sold for some extra cash. I have tried garage sales,
> and they don’t go over well. (we are in the middle of no where) plus
> time never permits. So does anyone know any good websites where to
> sell items, beside ebay? Sites that don’t charge an arm and a leg,
> that go over well?
> Now I have realized I/we have money issues…where do I begin, how do
> I start getting out of debt? PLEASE any suggestions or advice would
> be greatly appriciated!!
> Thanks, Giney
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