I don’t post often, but I do read

I will say that I was feeling like my income was never going to increase. Each year, more and more of it was eaten up by increases in deductions due to things like increased cost of benefits, first retirement and now medical. But, last fall, I started selling off much of my unwanted things. They …

Yes, you should go back to baby step 2 to get the van paid off

However, i don’t think you should use $500 of the $1500 you have to pay off the van. I think Stilwell is off when he says to have only have a $1000 ER fund. Where I live, $1000 doesn’t go far in emergencies. Most auto repairs and other things like that end up costing a …

YES! If you went back into debt, you start over

$1000 BEF, then the debt snowball. So throw the extra $500 at the van, and get it paid off as quickly as possible. I’m considering ‘yelling’ at you for financing a van because ‘I had to’ is a convenient excuse. That’s the same excuse that keeps most people in debt for life. But in most …

I promised I would be more active on here..

this is NOT DR related but hey, its all I got for now! Once in awhile we get hit with what we call the plagues of Egypt. By this we mean that we are hit with multiple difficulties at one time. My husband flew to L.A. for business for 3 days and my children from …

Your story about Valentines gifts reminded me of what we did this year

The last 2-3 weeks have been crazy around here. dh went on a trip with some men from church that was planned several months ago, left on 2/6 and got home 2/9. They went to Atlanta for a men’s conference. It’s a long story but he had to leave less than 24 hours later to …

You can create a “savings” account and call it electricity or utilities

Have a “transfer” set up and move the money out of checking into savings and when the bill is due, “move” the money out of the savings account. It doesn’t have to be a real account as long as you are deducting the money from your main checking account.

There’s the portion of the software that shows your bank transactions

and those are going to be exactly what the bank sends to Quicken. So if the bank has a single savings account with a lump sum in it, that’s exactly what it’s going to send to Quicken and that’s what you’ll see in the register. Having said that, there are other sections of Quicken which …

I am using Quicken Deluxe 2015

I have our income entered and have figured out how to include or exclude certain categories. The questions I have is that I have a “Master” budget in excel that I would start the month out with. Example. I like to budget $150.00 each month for Electricity. Does not always run that amount, but at …

Like most of the nation this last few weeks

we have been having extreme cold weather and what is considered a lot of snow for ne OK. I have spent the time working hard in the office and other hot spots of the house trying to reduce our clutter even more than we already have. Made great headway because who wants to go outside …

What I do is keep track of what I spend in every month

Last year was my first year in doing so…. Then, this year—I budget the amount I spent in the month last year….and then I try to beat it. For example—last January was my high amount at $665…. This year in January–I spent $563.. February last year –I spent $458 Right now, I sit at $257 …

So that is food alone and NOT other stuff like cleaning supplies, toilet paper, etc?

Just clarifying is all. We have a small family but the cost of food has been going up for us too. I can fill a buggy, have NO meat in my buggy and it easily cost $100! We do not buy a lot of prepared items like frozen lasagna, etc. or boxed stuff. We do …