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Viewing the 'Living Beneath my Means' Category: Cheshirecat's living beneath her means
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We are DEBT FREEEEEEEEEEEEEEE!

January 30th, 2010 at 08:58 pm

We are *DEBT FREE as of this morning. I paid the last $1,000 just hours ago. Who would have thought two years ago this girl would ever be standing here. AND it all started with one little computer click of "Living beneath your means", and the adventure had began.

Now we are going to get me a newer snowmobile. Our income tax return will be $2,500 and next month we will have another $2,000 from my paycheck to go with it. Crossfire here I come.


Then we will start putting $500 away every month to take everyone to Disneyland or Disney words. It will only take two years and we will have $12,000 to help take everyone the see M I C K E Y M O U S E.


AND I know One Day at a Time, we will never be in debt again because this last two years have taught us tons.


*Except our house. Which we owe under $55,000 on, with an interest rate of 4.78%. We will start paying a little extra each month on it.

Incredible Joy

April 26th, 2008 at 01:26 pm

Who would have ever known that controlling my money instead of it controlling me could be so much fun. AND we don't feel like we're doing without either. (guess that attests to how much money we were wasting.

We have been able in just one month to pay an extra $550 on our focus loan and put $400 in savings. And we have not gone without, nor have we gotten any extra money this month. In fact we budgeted $500 (and spent) for recreation and intertainment and still accomplished the above. I feel like I'm dancing on air most the time.

Just Go Get Happy and Grocery Update

April 14th, 2008 at 11:15 am



Everything that I think that I need to do is all only in order to propel me to some place that when I get there, I think I will be happier. So, everything that I am doing, no matter what it is, all of my lists of rights and wrongs about spending are all about me getting to a place that I believe I will then be happier… So I think I will just take a short cut and JUMP TO HAPPY RIGHT NOW!!



It's important for me to be as happy as I can be while I'm on my journey. I don't want to be thinking I will be happier when this is paid off or that is paid off. My life is all about the journey. That is why I like to look at everything as a game. Right now I am having tons of fun playing the manage my money different game. And every day is like going to the circus it's so fun.

Grocery update........remember I said I would not buy food for last week unless it was something we needed. In fact I didn't even look at the food ads for last week. (Hurray for me.......I also like to cheerlead myself) Yesterday Sunday we started needing a few things. I had written a list as I notice we needed something. (Hurray again for writing a list) So I went and picked up some of things on my list. I only bought one thing that was not on my list and that was because the kind of butter I use was on almost half price and I remember I only have part of a tub left.

Also hubby got paid and we put another $100 on our focus loan and another $100 in savings.(happy drum roll) It just tickles me pink how much extra money we have not that I don't buy on a whim. And we are not having to deny ourselves anything we reaLLY REALLY REALLY WANT.

Irritation

April 10th, 2008 at 01:29 am

When ever I feel irritated it’s always my fault. I can let things others do irritate me; but it’s never their fault, it’s always my fault. Since I started believing this my life has become a lot less complicated and happier. Sometimes I still forget. Then I remind myself no one can irritate you , sweetie, but yourself.

What I have found since I have started embracing this new knowledge is, I don’t stay irritated long. Because if it’s my fault I’m irritated, then I must have the power to pull myself out. I don‘t have to wait around for whoever I am irritated at to straighten up and do things my way. I just have to find something else to focus on until what ever I am letting irritate me passes.

Just thought I would share this beings I was letting my husband irritate me this morning and one of our dogs irritate me this evening. Then I remember it's all about JOY and feeling good and being irritated is as far away from feeling good as I can get. It also makes me want to spend and eat. Oh by the way this is my second NO SPEND DAY in a row.

Besides being irritated ages me twice as fast and JOY make the aging go in
SLOW-MOTION. And this girl does not mind getting older as long as she hardly shows her age. Joy is the fountain of youth.

Being Tested

April 8th, 2008 at 01:48 pm

A good friend of mine has just gotten back from an outrageous Seminar about something we are both really into that I would loooooooooooooove to go to. And the middle of May it's in Seattle, which is close to us. But the way money is right now we would have to charge without cash to back it. Sooooooo I have decided to buy the book for $17 and start getting my feet wet with the book. Now there is still a possiblity that we can go but only if all our ducks figure out how to get in a row on their own. Smile

What was even more of a test was to pay our extra $100 on our focus loan and the $100 to our savings from this paycheck instead of using it to partically pay for the seminar. I'm getting stronger and it only hurt really bad for about an hour.

Interest Denial

April 7th, 2008 at 12:14 am

I was setting up a Debt reduction tickler and I couldn't get my balance when subtracted from the total on the tickler to equal the same balance as my banks.

I kept re-adding and re-adding until I realized you're forgetting the interest, sweetie............all your payment does not go on your loan......You forgot that each time you make a payment some of it is eaten up by interest.

This little situation just went to show me how sneaky interest is. I sure am glad my new journey will only have me dealing with positive interest in the near future.

A Free ride and saving gas

April 6th, 2008 at 01:19 pm

We went snowmobiing Friday and when we got up there the Artic Cat snowmobile tour machines were up there. So we got to pick a machine and do a demo ride. It was only suppose to be a 20 to 30 minute ride but........they had us out for 2.5 hours. AND I found out I could easily get use to riding a big machine......(when we can afford to pay cash of course). I did not feel tempted at all....I was able to enjoy it for what it was an exciting free ride and great gas savings. Because I still really love my little $800 machine and it loves me.

Me and my little machine......see how much fun we have together. Now I bet that big machine would not do this for me!!

Beautifying for me

April 5th, 2008 at 12:40 pm

Got my hair done. I was able to wait an extra 3 weeks this time. Usually I get my hair done every 8/9 weeks.......foil and cut for about $65. (use to spend over $100 for my hair when i use to get it done on the boulevard Smile, but now that I get it done in the slums (close to where I live Smile it's cheaper)).

Did not make myself wait, it just didn't seem to need done so soon. In fact I had scheduled the appointment when I last had it done and my hairdresser had to call me to tell me I had missed it. So i rescheduled then rescheduled again because it still look great.

Now its done and it really looks even more great. But it was nice not to feel like I looked like an old hag just before I went. Smile And the new do is bringing me much JOY and you know how I feel about JOY,

Here's kind of what I look like with my new do.

Yah right......in my dreams maybe!!!

The JOY of Gardening

April 4th, 2008 at 03:17 pm

It's spring break for me. So that means it's get the yard ready for spring time. And the sun has shined for the last two days so.......out in the yard I have been.

I looooooooove working in the yard (but then I love most things) but i especially love working in the yard. It talks to my soul and brings me much joy. And if you read my blog regularly you know how important JOY is to me. (like the most important thing in my world.....what directs my every action)

It's cool how living beneath our means and JOY go hand in hand for me. I'm finding new joy in all my old things now that my focus is not what can I buy next. Besides I'm not denying myself that much because if its a need we get it and if its a really really really want we get it as soon as we have cash to get it. And so far we have had cash for all our really really really wants. The happier I am the happier I am.......

Really really really wants

April 1st, 2008 at 03:22 pm

As you can tell by my blog, pictures inspire me and bring me joy........so after a few day free trail of the My Photo slideshow Screensaver......which i throughly enjoyed.... i just paid $25 for my own copy. And it up and running on my CP. My grand kids love it too because most of the picts. are of them.Smile

More picture inspiration.

The Most JOY

April 1st, 2008 at 12:00 pm



My major aim in life is to live, to love, to laugh, to play AND to look for reasons to feel good!...........And sometimes its saving money and sometimes it's spending money.......What determines which I do is me weighing which will bring me the most JOY!

I'm loving my journey of balanced joyful money management.

Ps. I found two extra places to save yesterday. The first was I canceled a whole life policy that will save us $37 a month and second I took back two of our digital boxes that will save us $10 a month....now for the balance.......we're joyfully keeping our other digital box and DVR because we enjoy having it.

Pss. We needed to use our 1200 saving for a family emergency.......so we are starting over there....

Me knowing even emergencies can have joyful outcomes.

April Budget

March 31st, 2008 at 04:54 pm

April's budget spending will start March 31 because that when I get paid. Our special goal for April is to play the game of accounting for almost all money spent.

house pymt 1st ...........$942
discover 1st .............$250
auto boat insurance 1st...$290
auto pymt 1st............ $749
TV/Cable 1st............. $130
Heat and lights 7th...... $200
Phone 9th ................$115
sewer 17th ...............$ 38
life ins 1st/12th/18th .. $ 80
aol 29th .................$ 15
Total $2,809

Auto Gas him ........ $150
Auto gas her ............$150
Groceries ................$500
For Fun ..................$500
Misc needs and
really really reallywants $500
Grand total $4,609

April showers bring rainbows and May flowers.

http://www.flickriver.com/photos/19998427@N06/popular-interesting/

Inspired Action

March 29th, 2008 at 12:37 pm

My DH got paid.... he worked 20 hours overtime for the week so it's a large check. We have done so well since we started playing this new money management game,that all the bills are paid and we have kept to only using cash. Plus my paycheck will be in the bank Monday. SO..........

I/We have decide we deserve a reward.......so after putting $200 extra on the focus loan........$200 in savings.......we are using an extra $120 on recreation. After doing all this we are still leaving $300 in the checking account for groceries and padding.

I definitely feel like we are reaching new horizons. What fun!!!

End of the month living.

March 25th, 2008 at 12:20 am

As I continue on my new managing money adventure, I find myself asking what feels right for now. And now, for me, is figure out what the end of the month living adventure might look like. And what feel right for now is buying all that I need by dipping into my cushion money and NOT buying anything I want.... even if I really really really want it. Example I really really really want to get my nails redone and they need a full do......which runs about $30. That will have to wait until our next pay check because cushion money is best not spent for want items even, really really really want, want items. So my nails will look tacky until atleast the weekend. Now on the other hand I needed apples, I eat a ton of apples, and the farmer market has tasty, crisp fugi apples by the box for 55 cents a pound which is a great price if you buy a box, so I purchased a box. The apples I bought a week ago were $1.79 a pound, hence this is truely an exceptionial deal.

Now for the happy picture of the day.

Spring is on its way. In fact my crocous are up.
For more picture inspiration check out my friends site.
http://www.flickriver.com/photos/19998427@N06/popular-interesting/

Easter part 3

March 24th, 2008 at 04:35 am

Had a great Easter and inexpensive to boot...... glad to be learning that they can dance together. There were 13 in attendance not counting our two dogs and our cat.

There was more than enough food everyone brought what ever they wanted to add to what I was supplying which was
ham
pitchio salad (that hb made)
green bean and almonds
rolls
and 4 litres of pop
(which cost me a grand total of only $40 and we have some leftovers)


Stayed with my weighed and measured eating plan.... so i can be guaranteed waking up tomorrow still weighing 128 intead of on my weighK:K) but up to 200+ again. I did fix one of my favorites, green beans and almonds,which T ate 16 ounces of...for dinner my food plan calls for 24 ounces of veggies,,,,,I also had 8 ounces of pumpkin with splenda and olive oil "I can't believe its not butter" margarine. Yes, I do eat fat.....IN fact for dinner I get 1.5 ounces and I looooooove butter...and butter does not weigh much so I get tons......yum yum.

Everything is quiet hear the kitchen is still a little messy but I'm a morning person so I will most likely wait until morning to finish it up......unless my body decides it has had enough sleep at 1 or 2 like it does sometimes and I get up and finish it then.