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Forum: Frugality & Finances   04-26-2011, 10:05 AM
Replies: 8
  401k?
Views: 489
Posted By Denvergirlie
I would not cash out a 401K either, unless I was...

I would not cash out a 401K either, unless I was in danger of being homeless.
 
Have you cut your budget to bare bones? taken part time jobs? Sell everything but the kids?
 
best of luck
Forum: Frugality & Finances   04-26-2011, 09:59 AM
Replies: 60
Views: 4,173
Posted By Denvergirlie
I do, on average a $5 Amazon gift card every 20...

I do, on average a $5 Amazon gift card every 20 days or so.
 
i use the toolbar, search from there, occasionally will get a code too, and I do the daily poll as well.
I've purchased groupons thru...
Forum: Frugality & Finances   04-25-2011, 09:29 AM
Replies: 11
Views: 5,537
Posted By Denvergirlie
Sally Beauty Supply has a knock off on this...

Sally Beauty Supply has a knock off on this conditioning cleasner, called Hair One.
 
I've used it in the past, but not certain I noticed any real difference over using just a cheaper over the...
Forum: Frugality & Finances   04-23-2011, 06:15 PM
Replies: 93
Views: 6,077
Posted By Denvergirlie
According to that site, yes, make about double...

According to that site, yes, make about double what a "living wage" would be. However, the numbers it's based on, doesn't come close to be realilistic on what those catergories add up too. I...
Forum: Frugality & Finances   04-18-2011, 09:14 AM
Replies: 11
Views: 994
Posted By Denvergirlie
Don't use retirement accounts unless you are in...

Don't use retirement accounts unless you are in danger of losing your home. If no danger of losing home, then just buckle down and pay off the credit cards.
 
We buckled down, took part time jobs...
Forum: The Mindful Home   04-15-2011, 11:04 AM
Replies: 8
Views: 9,378
Posted By Denvergirlie
we have a Dormia bed, it's memory foam, latex...

we have a Dormia bed, it's memory foam, latex center, but a wool topper. Supposedly the wool topper helps with the heat issue. I too used to be cold all the time, electric blanket on high to warm...
Forum: The Mindful Home   04-15-2011, 10:59 AM
Replies: 6
Views: 4,567
Posted By Denvergirlie
If you don't have enough stuff for a single...

If you don't have enough stuff for a single load, just hang dry the biking outfits. I don't have static issues with blended socks, but have hung dry much of this "athletic performace" type clothing....
Forum: Frugality & Finances   04-14-2011, 02:00 PM
Replies: 18
Views: 7,976
Posted By Denvergirlie
$1K for a 1-2 day truck rental? You need to call...

$1K for a 1-2 day truck rental? You need to call around, that's an outrageous amount for a truck rental. Call Ryder, they don't do drop off's in other locations, but you rent and return to same...
Forum: The Mindful Home   04-11-2011, 09:18 AM
Replies: 6
Views: 4,567
Posted By Denvergirlie
I don't know about the balls, but do you sort...

I don't know about the balls, but do you sort your laundry by fabric type? I had a HUGE drop off in static once I separted out the fleece and poly fabrics from cotton and denim, I wash by fabric...
Forum: Frugality & Finances   03-30-2011, 10:32 AM
Replies: 11
Views: 578
Posted By Denvergirlie
Whoo Hooo!   How awesome for you, being debt...

Whoo Hooo!
 
How awesome for you, being debt free is such a relief, and good to hear you and yours have gotten rid of that stress. Go splurge a bit (we did a night out of sushi, paid with cash of...
Forum: Frugality & Finances   03-28-2011, 08:45 PM
Replies: 21
Views: 1,125
Posted By Denvergirlie
PMI - Private Mortage Insurance   Insurance...

PMI - Private Mortage Insurance
 
Insurance you must pay if you don't have 20% equity in the house. 5 years ago, some people would avoid PMI by taking two loans, a mortage for 80% and a second...
Forum: Country Living / Off the Grid   03-24-2011, 12:59 PM
Replies: 8
Views: 1,500
Posted By Denvergirlie
I doubt you will find a loan that will cover all...

I doubt you will find a loan that will cover all three of those wish list items, unless you have significant capital to gaurentee the loan.
 
Land loan - will need to put at least 30% down, maybe...
Forum: Frugality & Finances   03-24-2011, 10:28 AM
Replies: 50
Views: 2,018
Posted By Denvergirlie
$100 for a dinner out of sushi and send the...

$100 for a dinner out of sushi and send the rest to savings, we are saving to buy land, this would go straight to savings to make the reality all that much closer.
Forum: Frugality & Finances   03-24-2011, 08:23 AM
Replies: 5
Views: 3,588
Posted By Denvergirlie
I know in my state, unemployemnt office as an...

I know in my state, unemployemnt office as an online calculator, by plugging in the numbers, you can estimate what UI benefits will be. Without using a tool like that, no one can guess what if any...
Forum: Frugality & Finances   03-24-2011, 08:16 AM
Replies: 8
Views: 856
Posted By Denvergirlie
Yes, you can stay in the house now, and pay the...

Yes, you can stay in the house now, and pay the reduced amount, your credit score will be affected, but the real big issue is that you will most likely not be approved for a permament modification...
Forum: Country Living / Off the Grid   03-23-2011, 10:20 AM
Replies: 25
Views: 2,234
Posted By Denvergirlie
My in-laws just moved to the country last year,...

My in-laws just moved to the country last year, they are in their mid to late 60's. Not the same situation by a long stretch, but are even later in life than the OP 
 
They've built a wood shed,...
Forum: Reuse & Recycle   03-22-2011, 10:36 AM
Replies: 7
Views: 1,919
Posted By Denvergirlie
I cut out the back of large t-shirts and use...

I cut out the back of large t-shirts and use them to dry my hair with. I have curly hair, and using a terry cloth towel to dry curly hair can make it frizzier, but old T-shirts are great for this....
Forum: The Mindful Home   03-22-2011, 10:32 AM
Replies: 7
Views: 1,195
Posted By Denvergirlie
We have Pyrex, I think this might be the set...

We have Pyrex, I think this might be the set that I bought? http://www.bedbathandbeyond.com/product.asp?SKU=15950099 
 
I know it was on "sale", maybe $5 cheaper and I used a 20% off coupon to...
Forum: Frugality & Finances   03-21-2011, 11:11 AM
Replies: 17
Views: 1,627
Posted By Denvergirlie
In addition to daily deals like Groupon and...

In addition to daily deals like Groupon and Living Social, also check out restaurant.com as another avenue for cheap eats out.
 
For me, I get a thrill out of thrift store shopping, thrill of the...
Forum: Frugality & Finances   03-17-2011, 03:24 PM
Replies: 7
Views: 595
Posted By Denvergirlie
Radiation wouldn't really affect our actual...

Radiation wouldn't really affect our actual crops growing in north american. Radation from Chernobyl  hit the CA coast about 10 days after explosion and although you could measure it, it wasn't...
Forum: The Mindful Home   03-15-2011, 09:51 AM
Replies: 7
Views: 312
Posted By Denvergirlie
95% of our clothing comes from the thrift store,...

95% of our clothing comes from the thrift store, we do buy shoes, socks and underwear new, but everything else is technically "used" clothing.
 
We do so mainly for cost purposes, when I look at...
Forum: Reuse & Recycle   03-11-2011, 09:56 AM
Replies: 2
Views: 1,638
Posted By Denvergirlie
Are you turning the compost bin? Not certain...

Are you turning the compost bin? Not certain what kind of a bin you purchased, but we have ours made from old pallets and every 2 weeks, we pull it all out with a pitchfork and then pile it back in,...
Forum: Frugality & Finances   03-10-2011, 04:27 PM
Replies: 8
Views: 421
Posted By Denvergirlie
My advice: Sell current house, move to a rental...

My advice: Sell current house, move to a rental until you know where you want to live. Live in rental with bare minimum, move everything else in PODS until you've settled in a new house, then have...
Forum: Frugality & Finances   03-10-2011, 09:22 AM
Replies: 24
Views: 1,702
Posted By Denvergirlie
 Quote:Originally Posted by...



Quote:Originally Posted by MaryElizabeth http://www.mothering.com/community/img/forum/go_quote.gif...
Forum: Frugality & Finances   03-09-2011, 08:34 AM
Replies: 21
Views: 706
Posted By Denvergirlie
Additional freezer is a huge money saver for us....

Additional freezer is a huge money saver for us.
 
Like others have mentioned, buying stuff on sale prices, plus always having something to pull out for dinner. Not to mention the gas on driving...
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