Lady Jennelle's -

September Expenses

jennelle@womans-circle.com (Jennelle) — Mon, 07 Aug 2006 06:59:50 PST

My upcoming expenses for September ...

Tithe 65.00
Rent 196.50
Tobacco & filters 20.00
Jason - 20.00
Etc. 25.00
Cable 10.00
Phone 65.00
Compassion Int. 32.00
Debt Reduction 25.00
Blogathon 20.00
Laundry 10.00

Etc.

Cat food [dry]
toilet paper
Art print

Million Minutes Tracker

jennelle@womans-circle.com (Jennelle) — Wed, 02 Aug 2006 21:32:42 PST

Yesterday I started to track my volunteer minutes and am gonna try to get up to one million of them.

I'll keep track of them on this post 'cuz that way it'll be easier for me to track them.

I consider volunteer time as any time spent in doing something for others.

This...

Debt reduction, uhmm, well ...

jennelle@womans-circle.com (Jennelle) — Wed, 02 Aug 2006 21:16:53 PST

I had taken $25.00 out of my check this month to go towards debt reduction.

I'm still waiting to hear from Blair so I can start paying on that bill.

Money was still in my checking account and today I couldn't take seeing all of those hurting people in Lebanon anymore who've had...

August no-spend days

jennelle@womans-circle.com (Jennelle) — Tue, 01 Aug 2006 17:51:14 PST

I hope I remember to keep this up and edit this entry on a daily basis.

I want to keep track of my no-spend days for the month of August.

8/1 - No spend day!
8/2 - No spend day
8/3 - No spend day
8/4 - No spend day
8/5 - No spend day
8/6 - Spend day
8/7 - Spend day

Coupons Needed

jennelle@womans-circle.com (Jennelle) — Tue, 01 Aug 2006 17:48:21 PST

Coupons Needed

$1.00 Morningstar [any product]

Borden cheese [must be good on fat free cheese]

$1.00 Dawn Direct Foam [need longer dated ones than 8/31]

$2.00 Nice & Easy Hair Color [need longer dated than 8/31]

Will add to my list as I think of more.

A few hints & tips

jennelle@womans-circle.com (Jennelle) — Mon, 31 Jul 2006 22:52:53 PST

I'm sure that you all probably already know [and do] this but a few of the things I learned over the past week or so are:

Dilute your liquid laundry soap [it works just as well if you do especially if your clothes aren't really dirty such as mine.]

What I mean by really dirty...

$190.30 to savings accounts!

jennelle@womans-circle.com (Jennelle) — Mon, 31 Jul 2006 21:43:38 PST

Wow - what an incredible rush!

I paid my bills or atleast the ones I could so far and have saved the money out for those I still have to pay yet.

And - when all was said and done, I was able to deposit a total of $190.30 in my savings accounts tonight for August.

Since...

A big savings for me over time

jennelle@womans-circle.com (Jennelle) — Mon, 31 Jul 2006 18:12:38 PST

I have major sinus problems and each month for I don't know how long, have had to buy a box of sinus pills to last me the month.

This week I did some searching to see if I could find a home remedy of sorts that would do as good so I wouldn't have to buy the pills any longer.

What...

A few cents here, a few cents there

jennelle@womans-circle.com (Jennelle) — Mon, 31 Jul 2006 18:04:18 PST

Okay now, first of all - I'm a smoker and I know that I should quit and ... how much money it would save [so please, no lectures about my quitting please. *Smile*]

Having said that - I've come up with something that I'm gonna try and see how much I can save.

Since I roll my...

I'm so weak :-(

jennelle@womans-circle.com (Jennelle) — Mon, 31 Jul 2006 17:34:19 PST

I went to Walmart today because I "had" to pick up a few things.

My Morningstar coupons were to expire today and I had 10 of them - didn't want to lose those savings for sure.

I made a list ... one that I had "every" intention of sticking to.

But - did I? Uhmmm, well ......

Every little bit

jennelle@womans-circle.com (Jennelle) — Fri, 28 Jul 2006 19:14:09 PST

Just cashed out at Quickrewards for $1.57.

I know it may not seem like much but as we all know ...

every little bit adds up!

Money spent to save $

jennelle@womans-circle.com (Jennelle) — Wed, 26 Jul 2006 19:16:29 PST

I like the frozen citrus bars they have in the stores but they're usually over $3.00 a box and I hate paying that much.

The other night I got to thinking - why couldn't I buy those popsicle mold things they have and put some of my Crystal Light in them 'n freeze them.

I'd have...

No more canned cat food!

jennelle@womans-circle.com (Jennelle) — Wed, 26 Jul 2006 14:36:32 PST

I love my cats, they're my babies but they are far too finicky for their own good [and mine either!]

They always get their dry cat food every day and it's always available to them;

and then usually twice a day, I give them some canned food too.

However, for as long as I...

MyPoints - $10.00 Walmart card!

jennelle@womans-circle.com (Jennelle) — Tue, 25 Jul 2006 20:52:31 PST

Whew - finally!

It took quite awhile for me to earn enough points through MyPoints for my $10.00 Walmart card, but I did it!

I just now got to 1,500 points and was able to order my $10.00 Walmart gift card. Yippeeeee!!

I also have a $10.00 one on the way from Freeride...

Frugal Food Tip

jennelle@womans-circle.com (Jennelle) — Tue, 25 Jul 2006 19:15:36 PST

I found the following tip on about.com

Any time you peel vegetables like carrots or potatoes, or trim vegetables like celery or onions, scrub them first, then freeze the peelings and trimmings until you have a gallon or so.

Put it in a pot of water and cook until everything...

Pic of my someday apartment!

jennelle@womans-circle.com (Jennelle) — Tue, 25 Jul 2006 16:27:51 PST

Today my sister and I had to go to a town about 25 miles or so from here.

It just happens to be the town where they have a building I want to live in [with a balcony apartment!]

I had my camera with me and was able to take a few pictures [good motivation for saving $ to move...

Steger Apts. in Dunkirk

jennelle@womans-circle.com (Jennelle) — Sun, 23 Jul 2006 20:12:57 PST

This is the apartment building that is a stone's throw away from the Lake and some apartments face the lake.

Have been looking for this address & number so will keep here for future reference.

Steger Apts.

(716) 366-8740
15 N Main St Ofc, Dunkirk, NY 14048

Those little things do add up!

jennelle@womans-circle.com (Jennelle) — Sun, 23 Jul 2006 18:49:29 PST

This is a little tidbit that I found at The Dollar Stretcher.

http://www.stretcher.com

We all know that little things can add up in a hurry. But, often we fail to realize just how much the small stuff is costing us.

As a junior high math teacher, it's always fun to shock my students by having them work up a few calculations like the ones below.

I can always hope they'll become frugal adults someday!

A $1 soda every day for a year = $365

If you must have that $3 latte instead, your annual cost = $1095

Paying just one bill with a $3 late fee every month for a year = $36

Over the course of a 50-year adulthood, that late fee = $1800

One fast food meal ($16 for a family of 4) per week for a year instead of quick hotdogs at home (about $4) = $624

If your family usually prefers the local buffet for $28, those annual hotdog savings would = $1248

If you buy a bag of ice for $1 every two days instead of making your own, your annual ice cost = $182.50

Keep buying that ice for 50 years of your adult life, and its cost = $9125

If you discard half a gallon of spoiled milk per week at $2.30 per gallon, in a year your waste will = $59.80

Keep wasting that milk for 50 years of your adult life, and your loss will = $2990

If your family buys half a pound per week of $5/lb. deli cheddar cheese instead of $3/lb. American slices, your annual cost = $52

If you keep buying the cheddar for 50 years of your adulthood, its extra cost = $2600

If you mail five bills per month at a cost of about 40 cents each instead of using free online banking, your annual cost = $24

If you continue to mail your bills for 50 years, your cost = $5200

If you buy four new books per year at an average cost of $15 each instead of buying used at around $4 each, your annual added cost = $44

Keep buying those new books for 50 years, and your cost = $2200

If you rent one new release video per week at $3.50 for a year, your cost over borrowing from the library = $182

Keep renting those videos for 50 years, and your cost = $9100

If you buy the premium cable package at an additional $35 per month, your annual cost over basic cable = $420

Keep buying that premium package for 50 years, and your cost over basic cable = $21,000

If you carry a credit card balance of just $1000 for a year at 18% annual rate, your annual interest = $180

If you keep the $1000 balance for 50 years without ever paying it off, your interest = $9000

So yep, those "little things" do add up!

My "Balcony Dreams"

jennelle@womans-circle.com (Jennelle) — Sat, 22 Jul 2006 22:10:43 PST

Someday I am going to have an apartment with a balcony.

I want one so bad that I can't stand it but for now, I'll just have to keep dreaming ... saving and planning for a move to one.

There are none that I can think of in our town so I'd have to relocate about 25-30 miles...

Money in savings - what a rush!

jennelle@womans-circle.com (Jennelle) — Sat, 22 Jul 2006 21:56:38 PST

I have never had this much money in savings before ...

Needless to say - I am excited!!

I have $33.16 in my primary savings account.

Then tonight I was able to transfer $226.92 from my regular checking acct. into my secondary checking [which is used exclusively for a...