Posts by LoveOurBabies

With an extra $1000 per month, I would pour the entire $1000 into a mortgage offset savings account. You said you didn't have a lot of savings. Do you have a plan for what would happen if you or your wife found yourselves out of work...

Quote: Originally Posted by LoveOurBabies  My month begins on the 15th of every month as that's pay day and we are paid monthly.   Any day where I spent on groceries and still come under my monthly...

Quote: Originally Posted by orangemomma  $8K sounds about right to me. I have LOTS of cc debit as well as many people I know have similar.  I am trying to change that - recently discovered Dave Ramsey and am...

My goodness! More mamas with very little to no credit card debt! Well done SunRise and EmsMom I am seriously in awe of the fact that you paid off $20,000 worth of credit card debt, SunRise.. Well done indeed.   I'm...

That is SO freakin' awesome to see that three mamas in a row have no credit card debt!! Well done bmcneal, phathui5 and onlyzombiecat!  

I keep reading that the average credit card debt per person is around the 8k mark. That sounds a little high to me..   So how much in credit card debt do you owe? I've split the poll into two different categories (single...

Quote: Originally Posted by FillingMyQuiver  Key   No Spend/ Budgeted Spending   Unbudgeted/ Unnecessary Spending   Crafted for at least 30...

Quote: Originally Posted by LoveOurBabies  My month begins on the 15th of every month as that's pay day and we are paid monthly.   Any day where I spent on groceries and still come under my monthly...

My 2nd frugal tip would be to get creative with your stuff at home and regularly re-evaluate your need for certain items. You would be surprised at how you can come up with a frugal alternative for almost anything you think you...

My top frugal tip would be reduce, re-use, recycle. I've done budgets, coupon clipping, shopping when sales are on only etc, but nothing stands out to me more than the three R's.   Reduce what you purchase Re-use what you...