I’m Judy from NC

I am fortunate enough to stay at home and have found that since I do, it doesn’t affect our money. I do not have car expenses, faster food quick pickup, clothes for work, etc. plus all the gift giving that goes on in a work place. I worked in an after school day care before staying home.

We hope for my husband to be able to retire next year at 62. We enjoy camping. We have 2 sons, dil’s, 3 grandchildren and 2 Chinese pugs. (I could use some health insurance on those pugs!! especially after their once a year shots at the vet this a.m.) Also wonder if any of you have good ideas for health insurance for humans..We will be without any next year after dh retires.

For several months, we have listed all expenditures to get an idea of what we will be able to live on once he is retired. This helps to see where money goes. At present, I am trying to simplify, selling at consignment, selling books on Internet, shopping for groceries at Aldi’s ..Have cut our eating out drastically. I delight in having low cost meals that are nutritious and tasty..(Haven’t always done this)

Eat beans,slaw, and cornbread at least once a week. Have done some freezer cooking but now am leaning toward vegetarian eating so the freezer OAMC is not as helpful in that regard.

Am certainly enjoying reading the helps you have shared..Really liked the idea of the package of washclothes and saving the paper towels..These are the kinds of things that are needed..

Since it was my original request

I want to thank you guys for posting your intros. It really feels good to see all of the posts and hear everyone’s stories/tips. Hearing what others do often motivates me to look at things differently or to try something new.

Not to be too pushy but I also love to hear the frugal things that people do and if you guys don’t mind plan to post some of the little things that I do. My latest is to pull out the cloth napkins and wash them. I am going to start using them at dinner time. I will still use paper for breakfast and lunch for the time being. In addition to saving (a very little bit of) money, I think they will dress up the dinner table. I know that napkins are cheap but cloth will be free. I do a load of laundry every day so it won’t be any extra trouble.

Have a great day.

I’m Shayli – a sahm

Married to Keith who is in Mortgage Banking.. He has the fun job of setting Mortgage Rates for a 5 state area ..*grin* Makes him a very popular man. We have 2 girls..Trisha who is 8 almost 9 and Keely who just turned 2. We are expecting again in early Feb. We have the best of all worlds 🙂 Trisha came into my life before I married Keith, she has a seizure disorder and is Autistic. We adopted her together. After taking…..oh….6 or so years to get our lives settled we started on adding to our family. Keely was born..and it’s been a rollercoaster ride ever since 🙂 I am an RN, who gave up full time work to raise our children. I miss the work, but do some consulting at times. I wouldn’t trade my being home with the kiddlets for the world.

We live in Maine. I was on the other CB list but basically just gathered more ideas, suggestions and laughs that are wonderful! Maine is not the best place to have …choices of where to buy groceries. There are 2 chains around here. So….that is an area we really struggle at. But….

I have the wonderful luxury of living in a very laid back place. We leave the keys in our cars, and door unlocked for the most part 🙂 There are still places in this country you can still do that. 🙂

Thanks everyone for all the wonderful tips and ideas!!

Frugal tips and thoughts

My name is Laura. DH and I have 2 sons, ages almost-9 and almost-5. We’d like to adopt a 3rd child sometime in 2001, too. And that requires lots of saving!

We live about 3 miles from downtown Atlanta. I’m a technical writer, and just started month 13 of a 24-month project. I would like to take lots of time off when this project is done, and am saving like crazy so we won’t miss my income. I was an active poster on the old CB list, and had to go no mail when things got very, very busy earlier this summer. Came back and it was gone – good thing I found you guys!

I really appreciate the encouragement I get from reading about other people who share my frugal outlook on life. Our culture is so stuff-oriented, and it’s hard to buck that trend. It’s also hard to raise kids to be frugal when their friends are walking around in shoes that cost more than my car payment!

My latest project is buying some nice 2nd hand furniture. We’re using the same stuff we had in our 20’s (early American Mom’s basement), and it’s time to upgrade. I went idea-shopping with a friend Saturday afternoon, and we hit a bunch of furniture places, just to see what’s out there. I’ve never shopped for new furniture, and boy is it expensive. No way I’m spending that kind of $$$!

As for frugal tips, here goes: 1) Never buy new if you can find the same thing used. Your money will go so much further because someone else paid retail first. 2) Never make a major purchase without sleeping on it first.

No impulse buying! The only exception is planned major purchases, where you’ve done your homework and allocated funds from your budget. Then, when you find a deal, grab it before someone else does! 3) Treat yourself to small indulgences so you won’t feel deprived.

I think #3 is especially true when time’s are hard. If your I’m-getting-out-of-debt-or-else budget is too restrictive, you won’t stick with it. Buy a new lipstick occasionally, go out to dinner, or whatever makes you feel pampered. Allocate a few bucks for fun money. It’s better to plan to spend $10 or $20 than to feel angry and deprived and charge $200.

Finally, read Financial Peace. It’s a great book!

Laura in Atlanta

Roll call

Hi all : )

– i am Alice -37 yo Mom of 4 soon to be 5 ( in February ) i have been a pretty good bargain hunter etc most of my life but have really been more frugal last 2-3 years- being frugal # 1 so i can be home with my kids as much as possible – basically in the last 2-3 years i stopped looking for new and improved frugal books that might have the “magic answer” in them and began implementing more of the things I learned from tightwad gazette and my own ideas- I am great at coming up with ideas but have just started really implementing them !! It really pays off too !!

we still have some debt but at least both cars are paid off thanks to DH’s bonus earlier this month that let me pay of the minivan!!

our debt is not so much CC’s as 2 credit line’s- that we used when we had to fix up the house (it was real fixer upper we did a lot ourselves as cheaply as possible but it still cost $$ ) and to cover bills etc when i was out of work on disability with the first three pregnancies – but we have not use them at all in three years and are paying them off slowly but surely!!

As previous posts may have shown i am in a quandary as to whether to not go back to work at all (i am a RN and work ~ 1 x a week right now ) after the baby is 6 months to a year or to go back maybe 2 x a month – to help get the debt paid off faster )

My kids attend a catholic school which the tuition runs about $350 a month for the ten months a year for the 3 kids in school – DS 12 will be in high-school in 2 years and the cost of high school also makes me very nervous- but we have not fully decided on that anyway – anyhow that is all about me in the shortened version LOL!!

I am a RN at a residential facility

I am a RN at a residential facility (campus- apartment type setting) for kids with severe behavioral disorders due to autism – brain trauma – congenital things etc.- i basically when i work nights walk around campus- and knock on apt doors and ck to see if all the kids are OK – then i hit the lockdown areas and see on the monitors each kid in in bed and document that – then for the rest of the night ( usually from 1-2am till 5: 50 am ) i sit in my office waiting for a phone call if anyone needs me for anything – and i can basically do what i please – i read- cut coupons – sometimes even catnap with my head next to the phone for about 15-20 min – so it is very unstressful 90% of the time that 10% of the time if kids hurts themselves or has seizures etc. or is sick bad enough to need to be sent to the hospital etc. is when it gets hectic especially if you have several; kids having a problem at the same time- but i use to work in a trauma floor so what might be called hectic by another nurse is not so for me …

at 5: 30 AM i give out some meds to some elderly MR woman in my building and i give report and leave at six am- i am home before 10 min – if i work days on the weekend ( 6a-2pm ) i just deal with the apartments not the lock-downs and just pour a lot meds – put on bandages do a few tube feedings etc and be available for any problems with the kids- there are staff in each apartment that deal with the kids with their actual behavioral problems.

The killer in giving it up fully is that for what i do i make $19 an hour base rate and i can make from $3 to $7 an hour bonus pay on the weekends – and i like the kids – i was stuck between being a special ed teacher and a nurse when i made the decision to be a nurse so the kids do not upset me – there is a high turnover where i work because some people just cannot handle the kids not being “normal ” — i guess i kind of feel that although is a job that i am kind of giving back by helping these kids too and they like seeing familiar faces rather than a different agency nurse every day = i have done things way past job expectations in the past i guess beach i feel the kids need a nice place to live ( ie repasted wall paper borders falling down in office / apartment using the wallpaper border paste i had at home etc )

i am worried about working past my 6th – 7th month as i will not be as quick as a normally am if i need to duck thrown meds- get out of the way of an unexpected ” behavior ” etc. and some nurses have been hit etc – but i am pretty careful and was only very lightly kicked and hit 1 x when i was new and didn’t know much about the kids now i know who to watch their eye s to know if they are going to act ut and who not too get too close to- to let them approach me for their meds . etc

so i am pretty sur ei will get out of there in early December at the latest for my maternity leave.