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plain jane doe · Nov 1st, 2009, 04:00 PM

November goals:
1. Sort through October purchases/returns and figure out how much I actually spent.
2. Budget for Christmas gifts.
3. Make new long-term savings goals.

lorenzo94580 · Nov 1st, 2009, 05:51 PM

Today was a productive day. DH and the kids went over to a relative's house, so I stayed behind to catch up on some chores. Besides the routine chores, I cleared out the part of the garage that was just a pit. With everything cleaned up and sorted, I now have 4-5 bags for donation, and have set aside a bunch of items I'm going to return.

Goals for Nov:
1) Pay annual car registration. Ugh.
2) Pay property taxes. Double ugh.
3) Obtain flood insurance. Triple ugh.
4) Enjoy our wedding anniversary in Monterey (I'm even ordering a replica of our original wedding cake. I know, I'm silly, but it was damn good cake! LOL!)
5) Plan out of town trip to Russian River with in laws

canadianstudies · Nov 1st, 2009, 06:02 PM

Originally Posted by canadianstudies

1) To finally return that Coach bag. This will pay off my cc balance, yay!
2) To limit my spending on food while at school to $25/week.
3) To make a mortgage prepayment equal to one month's principal
4) Make a detailed budget for Xmas shopping

Money for the mortgage prepayment has been set aside. 1 down, 3 to go!

dr. twiggers · Nov 1st, 2009, 06:59 PM

WTG Canadian!

dcooney4 · Nov 2nd, 2009, 03:28 AM

Last year I didn't stick to a budget at christmas. I did however write down what we spent on each person. Last night was the first time I ever added it up . It came to a total of 2397.30. This year I would like to bring it down to about 1500. if possible. This may look like a decent amount but I have more then twenty people to buy for,not including teacher gifts, mail lady, bus drivers, coaches ,etc. I need some suggestions of good inexpensive gifts that are not gift cards?

dr. twiggers · Nov 2nd, 2009, 05:41 AM

I am so glad we're not going Christmas this year! Too stressful! I might do Christmas cards this year though, and maybe pick something up for my Dad while we're on vacation...he loves Native American art, and I might get something similar down in Mexico around the Mayan ruins.

Cooney: For inexpensive gifts, why not bake for the teacher, mail lady, bus drivers, etc.? People love baked goods and it's a gift from the heart rather than from the wallet.

windycityaj · Nov 2nd, 2009, 06:15 AM

^^^^^ On that note I am also doing some hommade gifts this year. I made cookie dough and all kinds of hot chocolate. They were great gifts to give my work colleagues. For the rest of my family they are all gift card people so that will be easy. My DS is also at that age where he would rather pick out his own gifts.

sheishollywood · Nov 2nd, 2009, 10:18 AM

I'm going to also add to my Nov. Goals:

1) Put $1000.00 towards student loan - I just did this yesterday!
2) Make a budget of about $500-$600 for Christmas gifts (I only have to buy for 5 people this year)
3) No shopping for myself!!
4) Continue to save for my down payment and start organizing receipts, statements, etc for TAX time... normally I wait till last minute, but everything is so disorganized that if I get organized now I think I'll feel a lot better.

plumaplomb · Nov 2nd, 2009, 11:00 AM

November goals:

-Keep track of No Spend Days for motivation.
-Sell 5 things each week on Feebay.
-Create and stick to a budget for my weekend out of town.
-Return unspent money to my family as a gesture.
-Create and stick to a budget for Christmas presents.
-Transfer $2K into savings.
-Make dinner at least 3x/wk.

VanessaJean · Nov 2nd, 2009, 11:12 AM

I got my Dad's XMas gift today and so far I am right on budget. I only have my 5 girlfriends and my friend's daughter left. I am planning on getting the gals some stuff from Sephora so I might place an order this week.

sheishollywood · Nov 2nd, 2009, 11:32 AM

Ladies, I'm just putting it out there but what kind of stuff do you guys sell to pay down your debt or for extra cash?

I feel like I have an overload of "stuff"... clothing mostly. But I feel like it isn't really worth selling or who would want to buy my old/worn clothing? Do you just put your stuff up on craigslist or do you ebay? I tried ebay in the past but ended up paying more in listing fee's than anything...

VanessaJean · Nov 2nd, 2009, 11:38 AM

I have sold mostly purses, wallets, sunglasses and occassionally jewelery. Clothes have never sold for me so I just donate them.

lorihmatthews · Nov 2nd, 2009, 11:53 AM

Originally Posted by sheishollywood

Ladies, I'm just putting it out there but what kind of stuff do you guys sell to pay down your debt or for extra cash?

I feel like I have an overload of "stuff"... clothing mostly. But I feel like it isn't really worth selling or who would want to buy my old/worn clothing? Do you just put your stuff up on craigslist or do you ebay? I tried ebay in the past but ended up paying more in listing fee's than anything...

I'm always selling stuff, I made $550 on eBay this weekend (although I was hoping to make a lot more). I sold bags, a Juicy Couture cashmere hoodie, Thomas Wylde scarf, shoes and jewelry.

Loganz · Nov 2nd, 2009, 12:17 PM

Originally Posted by sheishollywood

Ladies, I'm just putting it out there but what kind of stuff do you guys sell to pay down your debt or for extra cash?

I feel like I have an overload of "stuff"... clothing mostly. But I feel like it isn't really worth selling or who would want to buy my old/worn clothing? Do you just put your stuff up on craigslist or do you ebay? I tried ebay in the past but ended up paying more in listing fee's than anything...

I've done pretty well with clothes on Ebay; designer jeans mostly, some high-end sweaters/blazers.

lorenzo94580 · Nov 2nd, 2009, 03:11 PM

A few months ago, our waste management company implemented a food scrap program where you place your food scraps and other food related waste in the yard waste bin. Coupled that with our children finally potty training and we are producing less garbage nowadays.

So I called our waste management company today to swap out our higher capacity garbage bin for a smaller one and our savings per month will be $12/month. Doesn't sound like much but when you tally it over the course of a year, that's $144 saved per year! Yay!

Nov 1st, 2009, 04:00 PM	#1081
plain jane doe Member Joined: Aug 2008 Posts: 2,564	November goals: 1. Sort through October purchases/returns and figure out how much I actually spent. 2. Budget for Christmas gifts. 3. Make new long-term savings goals.
plain jane doe Member Joined: Aug 2008 Posts: 2,564

Nov 1st, 2009, 05:51 PM	#1082
lorenzo94580 Member Joined: Jul 2007 Posts: 1,759	Today was a productive day. DH and the kids went over to a relative's house, so I stayed behind to catch up on some chores. Besides the routine chores, I cleared out the part of the garage that was just a pit. With everything cleaned up and sorted, I now have 4-5 bags for donation, and have set aside a bunch of items I'm going to return. Goals for Nov: 1) Pay annual car registration. Ugh. 2) Pay property taxes. Double ugh. 3) Obtain flood insurance. Triple ugh. 4) Enjoy our wedding anniversary in Monterey (I'm even ordering a replica of our original wedding cake. I know, I'm silly, but it was damn good cake! LOL!) 5) Plan out of town trip to Russian River with in laws
lorenzo94580 Member Joined: Jul 2007 Posts: 1,759

Nov 1st, 2009, 06:59 PM	#1084
dr. twiggers OP Finally Done! Joined: May 2006 Location: The Library Posts: 22,466	WTG Canadian!
	__________________ March Goals: 1. Get credit card to $2100 - 3/6 $100 payment made 2. Add $1500 to vacation savings for April cruise 3. Add $1400 to savings (minus any associated vet expenses from puppy's surgery)

Nov 2nd, 2009, 03:28 AM	#1085
dcooney4 Member Joined: Apr 2007 Posts: 3,582	Last year I didn't stick to a budget at christmas. I did however write down what we spent on each person. Last night was the first time I ever added it up . It came to a total of 2397.30. This year I would like to bring it down to about 1500. if possible. This may look like a decent amount but I have more then twenty people to buy for,not including teacher gifts, mail lady, bus drivers, coaches ,etc. I need some suggestions of good inexpensive gifts that are not gift cards?
dcooney4 Member Joined: Apr 2007 Posts: 3,582

Nov 2nd, 2009, 05:41 AM	#1086
dr. twiggers OP Finally Done! Joined: May 2006 Location: The Library Posts: 22,466	I am so glad we're not going Christmas this year! Too stressful! I might do Christmas cards this year though, and maybe pick something up for my Dad while we're on vacation...he loves Native American art, and I might get something similar down in Mexico around the Mayan ruins. Cooney: For inexpensive gifts, why not bake for the teacher, mail lady, bus drivers, etc.? People love baked goods and it's a gift from the heart rather than from the wallet.
	__________________ March Goals: 1. Get credit card to $2100 - 3/6 $100 payment made 2. Add $1500 to vacation savings for April cruise 3. Add $1400 to savings (minus any associated vet expenses from puppy's surgery)

Nov 2nd, 2009, 06:15 AM	#1087
windycityaj Member Joined: Jan 2006 Location: Chicago, IL Posts: 4,617	^^^^^ On that note I am also doing some hommade gifts this year. I made cookie dough and all kinds of hot chocolate. They were great gifts to give my work colleagues. For the rest of my family they are all gift card people so that will be easy. My DS is also at that age where he would rather pick out his own gifts.
	__________________ Moving ever so slowly towards being "debt free"!!!

Nov 2nd, 2009, 10:18 AM	#1088
sheishollywood INDEPENDENTBYCHOICE Joined: Nov 2006 Location: Vancouver Posts: 4,069	I'm going to also add to my Nov. Goals: 1) Put $1000.00 towards student loan - I just did this yesterday! 2) Make a budget of about $500-$600 for Christmas gifts (I only have to buy for 5 people this year) 3) No shopping for myself!! 4) Continue to save for my down payment and start organizing receipts, statements, etc for TAX time... normally I wait till last minute, but everything is so disorganized that if I get organized now I think I'll feel a lot better.
	__________________ "The best way to predict the future is to invent it"

Nov 2nd, 2009, 11:00 AM	#1089
plumaplomb Member Joined: Dec 2008 Posts: 3,180	November goals: -Keep track of No Spend Days for motivation. -Sell 5 things each week on Feebay. -Create and stick to a budget for my weekend out of town. -Return unspent money to my family as a gesture. -Create and stick to a budget for Christmas presents. -Transfer $2K into savings. -Make dinner at least 3x/wk.
plumaplomb Member Joined: Dec 2008 Posts: 3,180	__________________ http://ebayfashionaddict.blogspot.com

Nov 2nd, 2009, 11:12 AM	#1090
VanessaJean Tattooed Princess Joined: Jun 2007 Location: Prince Edward Island, Canada Posts: 3,161	I got my Dad's XMas gift today and so far I am right on budget. I only have my 5 girlfriends and my friend's daughter left. I am planning on getting the gals some stuff from Sephora so I might place an order this week.
	__________________ March Goals: 1. Pay 350.00 on credit cards. Paid 615.00 2. No shopping. 3. Take lunch to work every shift and eat out only 2x this month.

Nov 2nd, 2009, 11:32 AM	#1091
sheishollywood INDEPENDENTBYCHOICE Joined: Nov 2006 Location: Vancouver Posts: 4,069	Ladies, I'm just putting it out there but what kind of stuff do you guys sell to pay down your debt or for extra cash? I feel like I have an overload of "stuff"... clothing mostly. But I feel like it isn't really worth selling or who would want to buy my old/worn clothing? Do you just put your stuff up on craigslist or do you ebay? I tried ebay in the past but ended up paying more in listing fee's than anything...
	__________________ "The best way to predict the future is to invent it"

Nov 2nd, 2009, 11:38 AM	#1092
VanessaJean Tattooed Princess Joined: Jun 2007 Location: Prince Edward Island, Canada Posts: 3,161	I have sold mostly purses, wallets, sunglasses and occassionally jewelery. Clothes have never sold for me so I just donate them.
	__________________ March Goals: 1. Pay 350.00 on credit cards. Paid 615.00 2. No shopping. 3. Take lunch to work every shift and eat out only 2x this month.

Nov 2nd, 2009, 03:11 PM	#1095
lorenzo94580 Member Joined: Jul 2007 Posts: 1,759	A few months ago, our waste management company implemented a food scrap program where you place your food scraps and other food related waste in the yard waste bin. Coupled that with our children finally potty training and we are producing less garbage nowadays. So I called our waste management company today to swap out our higher capacity garbage bin for a smaller one and our savings per month will be $12/month. Doesn't sound like much but when you tally it over the course of a year, that's $144 saved per year! Yay!
lorenzo94580 Member Joined: Jul 2007 Posts: 1,759

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