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Forum: Frugality & Finances   09-08-2016, 05:06 AM
Replies: 415
Views: 29,255
Posted By worthy
I'm fretting and fussing over my budget. Trying...

I'm fretting and fussing over my budget. Trying to get ducks to stay in a row so I can apply for a USDA mortgage. Apparently I need two months' proof of significant savings from my own earnings...
Forum: Frugality & Finances   08-22-2016, 04:27 AM
Replies: 415
Views: 29,255
Posted By worthy
This is exactly how I feel. I'm hopeful...

This is exactly how I feel.

I'm hopeful right now. I believe I can get a USDA loan to buy the house I live in (currently renting), and it looks possible that my monthly housing payment will go...
Forum: Frugality & Finances   08-14-2016, 04:57 AM
Replies: 19
Views: 1,436
Posted By worthy
I am planning to go practical again this year....

I am planning to go practical again this year. I'm just trusting that I will find the money, maybe squeezed out of my grocery budget. I plan to get my kids each a nice set of towels in their own...
Forum: Frugality & Finances   08-08-2016, 04:43 AM
Replies: 38
Views: 1,368
Posted By worthy
Jumping back in here. I had a pay cut last...

Jumping back in here. I had a pay cut last February and it seems it took me six months to really figure out the impact and get it under control. :dizzy Also in that timeframe were college application...
Forum: Frugality & Finances   05-15-2016, 02:02 PM
Replies: 415
Views: 29,255
Posted By worthy
This weekend I made some progress. I listed nine...

This weekend I made some progress. I listed nine slings for sale and took a huge pile of clothes in for consignment. I also decided to sell an extra sewing machine (didn't get it listed yet, but I...
Forum: Frugality & Finances   05-10-2016, 08:05 AM
Replies: 415
Views: 29,255
Posted By worthy
I'm having an "inner freak-out" morning and...

I'm having an "inner freak-out" morning and feeling paralyzed by it. (Yes, I'm another here who is challenged by anxiety.) I'm behind where I want/need to be financially - I'm uncomfortably behind on...
Forum: Frugality & Finances   04-11-2016, 06:12 AM
Replies: 415
Views: 29,255
Posted By worthy
zebra15, feel better!!!!!!!!

zebra15, feel better!!!!!!!!
Forum: Frugality & Finances   03-23-2016, 04:33 PM
Replies: 415
Views: 29,255
Posted By worthy
Extravagances. (Confessions, as I stare a couple...

Extravagances. (Confessions, as I stare a couple of very tight months in the face...)

I pay someone to cut and color my hair. Though the kids tell me XH pays more to have his hair just cut, so I...
Forum: Frugality & Finances   03-23-2016, 04:18 PM
Replies: 199
Views: 9,820
Posted By worthy
$758.82 so far. I had set my goal at $750. I...

$758.82 so far. I had set my goal at $750. I won't spend more unless we run out of eggs or bread, or someone gives us a gift card.

For April and May, I need to keep it much lower to catch up on...
Forum: Frugality & Finances   03-12-2016, 04:11 AM
Replies: 199
Views: 9,820
Posted By worthy
Yes! I will either let my kids choose and label...

Yes! I will either let my kids choose and label their own treat (which I sometimes do at the start of the month when I grocery shop -- one treat per kid and it's all theirs until it's gone), or I...
Forum: Frugality & Finances   03-10-2016, 04:51 AM
Replies: 199
Views: 9,820
Posted By worthy
mumto1, I've always had ways of storing things...

mumto1, I've always had ways of storing things that were off limits to the kids, so I can ration things as needed. I guess I've also been lucky that my kids respect those boundaries, but it's been...
Forum: Frugality & Finances   03-09-2016, 09:10 AM
Replies: 199
Views: 9,820
Posted By worthy
I'm going to start keeping track and posting so I...

I'm going to start keeping track and posting so I can feel accountable. I "enjoyed" a couple of years of not thinking so hard about grocery budgeting, but it's needed now, so it's time.

I usually...
Forum: Frugality & Finances   03-08-2016, 05:40 AM
Replies: 415
Views: 29,255
Posted By worthy
Good idea, Pariah. That was smart planning on...

Good idea, Pariah. That was smart planning on your part. No spouse here, and it wouldn't work in my situation right now, but I'll tuck the thought away for future.



Not sure where I gave the...
Forum: Frugality & Finances   02-25-2016, 05:34 AM
Replies: 415
Views: 29,255
Posted By worthy
Anyone here with kids in or headed for college?...

Anyone here with kids in or headed for college? Mine is headed to college next fall. Yikes.

It was a struggle to afford the testing and application fees (which we did not get a waiver for, but we...
Forum: Frugality & Finances   02-22-2016, 05:28 AM
Replies: 199
Views: 9,820
Posted By worthy
Nice job with the pantry prepping, wolfcat!!!...

Nice job with the pantry prepping, wolfcat!!! When my XH was laid off several years back, it was such a blessing to have a pantry I could fall back on (and I did). Good luck with your situation and I...
Forum: Frugality & Finances   02-22-2016, 05:21 AM
Replies: 415
Views: 29,255
Posted By worthy
Mamabear, for improving your credit rating, I'm...

Mamabear, for improving your credit rating, I'm pretty sure the recommendation is to maintain a 30% balance on your cards. I don't know if this is average balance (maybe!), in which case you'd be...
Forum: Frugality & Finances   02-17-2016, 04:39 AM
Replies: 4
Views: 570
Posted By worthy
WL, I had to file in the financial aftermath of...

WL, I had to file in the financial aftermath of my divorce.

It was expensive -- I think it cost me about $1200-1500. So that was kind of shocking.

I had to have 6 months of expenses...
Forum: Frugality & Finances   02-15-2016, 06:07 AM
Replies: 415
Views: 29,255
Posted By worthy
Anyone else have the habit of letting bills...

Anyone else have the habit of letting bills without late fees wait to be mailed until the last day of the month so they can come out of the next month's paycheck instead of the current one, but still...
Forum: Frugality & Finances   02-09-2016, 04:59 PM
Replies: 415
Views: 29,255
Posted By worthy
{{{{{Zebra}}}}} I feel that. I'm not "out" but...

{{{{{Zebra}}}}} I feel that. I'm not "out" but it's all spent or allocated, the checks are written and stamped (in piles -- mail on this date, mail on that date), and there's nothing left but...
Forum: Frugality & Finances   02-09-2016, 04:53 PM
Replies: 5
Views: 846
Posted By worthy
Hi, Ruthiegirl! Yes, but I changed my username...

Hi, Ruthiegirl! Yes, but I changed my username for a reason, so let's leave it at that. :-) I remember you, too.

I'm glad you had a nice moment and enjoyed your cocoa! I like to put a splash of...
Forum: Frugality & Finances   02-08-2016, 05:22 AM
Replies: 415
Views: 29,255
Posted By worthy
I went grocery shopping on Saturday. Me with my...

I went grocery shopping on Saturday. Me with my frugal list based on what we couldn't do without this month, and stops at three different stores to get the best prices. And I still spent more than I...
Forum: Frugality & Finances   02-06-2016, 10:33 AM
Replies: 415
Views: 29,255
Posted By worthy
Oh, I am so sorry! They should return it to you...

Oh, I am so sorry! They should return it to you WITH interest for keeping it so long. I wonder if there's any legal help you can get for that kind of situation?

My experiences with the IRS were...
Forum: Frugality & Finances   02-06-2016, 09:34 AM
Replies: 415
Views: 29,255
Posted By worthy
Is anyone else in a position where their entire...

Is anyone else in a position where their entire tax refund is withheld every year by the IRS or state? XH neglected to file taxes for multiple years while self-employed, and the penalty is steep, so...
Forum: Frugality & Finances   02-06-2016, 06:25 AM
Replies: 415
Views: 29,255
Posted By worthy
Grateful fors: New credit card arrived in...

Grateful fors:

New credit card arrived in time to save the day at the end of Jan. I know, not something to be proud of, but I needed a third in place to prepare for applying for a mortgage later...
Forum: Frugality & Finances   02-06-2016, 06:10 AM
Replies: 5
Views: 846
Posted By worthy
Hi, A&A! So nice to see you again! I use...

Hi, A&A! So nice to see you again!

I use boiling hot water, and a generous splash of maple syrup, and a heaping spoonful of plain cocoa. It kind of depends on which mug I'm using - they are all...
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