Ouch Ė cancelled those extended channels
I am not as brave as some on the boards. I did not think I could go without cable cold turkey so instead; I just called and requested that the extended channels be removed from our bill. This will be a $30.00 per month savings. I hope we can survive not having the extended cable. I donít mean to whine but we are a family of channels surfers. I guess with a lot of reruns now it the time to be without them.
I left the high speed internet alone but may drop it down to a lesser speed internet and save another $10.00 but right now I really like the fast speed because I am online quite a bit.
I just sold another item on E-bay so more to add to my savings. I am trying a new way of thinking and as I get the money I hope to pay it on a bill. I feel that will keep me more motivated if I used the money to pay something immediately instead of just saving it. I think that will keep me wanting to sell more on e-bay and not practice daily spending.
Yesterday I was talking to a neighbor who is a stay at home mom. She recycles everything and was taking about taking her cans in once a month and getting $5.00 for them. Some of the ladies in our group were laughing but I was very proud of her. She just has a bag she keeps in the garage and that is where she puts all her cans so it makes it pretty easy. I think I am going to try this. 5 bucks is 5 bucks.
I am really working on more no spend days also.
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Ouch Ė cancelled those extended channels
It seems like the more we try to get our debt under control the more it controls us. Just going thur our bills today since payday was this week. We both get paid every two weeks. It seems like each utility bill has had an increase - not so much for usage but taxes, service fees, etc. Although each one is just a few dollars it sure is frustrating. I am trying hard to keep my savings jar going and sales on e-bay are helping. DH and I discussed today the cable bill. It is now $92 per month and that does not include any movie type channels. We do have our cable internet and it is $39.00 which is a portion of the bill. The remainder is basic, few extended like HGTV, Liftime, etc. We may have to go back to very basic cable. I feel like I am just throwing money away.
Normally each Friday night my DH and I have out "date night". We had decided last night to forgo date night because we are taking our g-baby who is 3 1/2 to the zoo tomorrow and know we will probabably eat at least one meal out. I got a call from a neighbor that they are hosting a cook out tonight. So we will go there to join in the fun. I was e-mailing my DH about what to buy from the meat market to put on the grill and then thought, hey I don't have to to that. We have two small steaks in our freezer that were given to us by a friend the food business so I will simply put those in the micro to defrost and that will be our meal at the cookout. Each person is bringing a side and so bread was needed. I could not get to the discount bread store so I purchased some Challah from the local bakey for $4.99. Not too bad for a meal tonight. The money I am saving from not having to buy something for the grille will be added to the money jar.
I did it again. Went to TJ Maxx last night just because I had not been in close to three weeks. I just wanted to get out of the house for awhile to take my mind off of my mom being ill. I donít know what it is about that store but I always make a purchase there. Last night was no different. I found a really cute skirt and top that together cost $40.00. I justified the purchase because my DH told his mom we would go to an anniversary party with her this weekend and I didnít have a thing to wear.
When I got home, my husband was still out playing golf so I casually threw the bag under my desk. He hates it when I got to the Maxx. I kept feeling guilty about this purchase and this morning found the perfect dress in my closet to ware to the party. Today I spent my lunch time today returning the purchase to the store. Whew, I sure feel better now.
Note to self: If I have to hide it from my DH not a good purchase.
Sure you have! I find it funny that when a department store such as JC Penneyís has a sale (which in my area is constantly), they will always tell you at the end of the purchase how much you have saved by buying on sale. You have just saved $200.00. Never mind that you have just spent $75.00 on items that you really did not need. Donít buy on sale unless you have a need for the product and can be sure that you are getting the best price. As with a lot of things that we buy on sale, if you can do without it, itís not a smart purchase.
Friday night is our normal "date night" I had expressed to my DH that we could just cook at home and save some money. We actually ended up with leftovers and then hit the golf course - we pay a monthly fee for unlimited golf - to hit a few balls. I was glad that we did not spend the normal money on going out to eat but he says he really looks forward to date night since he never eats out during the week. From some other posts I have read I understand that some things are just too important to stop so I guess date night will be back in. Both of our mom's are still living and so since we had bought a digital camera several months ago it seemed like a good time to put it to good use. I had loaded photos my grandbabies to the computer photo program and made photo DVD's for our mom's. Ran into to one problem and had not bought the right kind of disc for their DVD players so back to the store for another pack. Could not return the first ones I had purchased but thankfully they are re-writeable and we can use them on ours. I did not buy my mom a card as I have a box of all occasion cards at home that I chose one from. My husband spent $5.00 on a card for his mom as he did not know I had some at home. Oh well, next time.
On Saturday we did eat breakfast at home but lunch at McDonalds. What was I thinking. Never again. Too much money of semi ok food. Saturday night I did fix dinner at home using a recipie on the back of a bisquick baking box. It was for their impossible cheesburger pie. I had looked at the recipie several times but had never taken the time to try it. Well pantry and fridge were both in need of supplies so using what we had we were able to prepare this. It was delicious and we will make it again. Afterwards went to the grocery store and only spend $63.00 dollars. This is good for us. My DH normally gets a $20.00 allowance for two weeks but agreed to take only $10.00 to see if he could get by on that. If he finds he needs more can always get more from the bank. My theory is you spend what you have. We still have not been able to add to our savings as all the money we have saved in the last few days was money necessary for other items.
Oops! Forgot to tell my husband we were starting a new savings program. I had done really well yesterday by eating all meals at home and was feeling really good about not spending any money. Last night when my husband got home he had stopped by a card shop and bought a Mother's Day card for his mother and one for me and also a small gift for our grandbaby. The total cost was $14.00. I suggested he not sign my card and just return it to the store but he had purchased it from a store that was going out of business and so could not return it. I can't be mad a him as his is such a sweetheart and is very thoughtful. We did not go our for our Friday night date so I guess it all worked out ok. Today was a little different, I had to pick up a prescription for some medication and while we were out we stopped by a McDonalds - overpriced food and certainly not worth the $8.00 spent but working on doing better. I did think about what I had spent and McDonalds and that is something I normally do not do. Oh well, we will eat home tonight. I did call our daughter today and ask that she come and cut our hair. She is a social worker now but has a cosmtology license so if she makes it out to cut our hail that is a savings of almost $30.00. I don't have the money to put in my savings jar now but at least I am not going any further in debt. I will give her some clothing that no longer fits me for her time.
It was wonderful to see the comments posted to my first blog. It will certainly make it easier to get with and stay with a savings program. Today I am having a weight watchers lunch that has been in my work freezer for a couple of weeks. So in addition to not spending money eating out I am also eating healthier. I had breakfast at home which was great. I normally stop at McDonalds for Chick-Fil-A for a breakfast sandwich and a coke. Had cereal at home and brought a diet coke from home. I don't know yet what the exact savings will be. This is going to be a tough two weeks as I have some major bills coming due so really can't add much to my saving but at least won't spend any extra that I really don't have. My husband and I normally have a date night every Friday night when we go out a have a dinner and drinks usually at $30.00 a pop. Tonight we are dining at home and taking a nice walk or hitting some golf balls to relax. As my title says, I feel great. Thanks for the support.
Hopefully this will help me keep on track with my spending. I took my mother to some doctor visits today and she insisted on giving me ten dollars for gas money. Even though I kept insisting it wasn't necessary she wanted to do it so I finally took it. It will be the first money to go in my money savings.
I am the spender in our household. My husband likes for the to be the one that keeps tracks of our spending. I guess that way I am the one stressed out when money is low. At this time our payroll is direct deposited and my husband only takes an allowance of $20.00 for a two week period. He takes his lunch to work each day so really only spends this money for a daily cup of coffee at 25 cents a cup. I on the other hand do not take my lunch and spend around $5-$7 dollars daily going out to eat. This does not included what I spend of cokes and a afternoon snack from the machine at work. I am going to do better.
I find that the reason I like to go out to lunch is to just get away from the office. My time at lunch would be served If I took a sandwich from and spent more time walking on my lunch. Also I will cut out the soda's I know I would feel better. Way too much caffine. I will actually start my lunch savings tomorrow.
I also find that we spend a lot of money on going out to eat. I can cook, just don't like to. I am looking a simple ingredient cookbooks for some cheaper, healtier meals that can be prepared in advance.
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