Tag Archives: Money

Ready For Fall

Well hello to my GORGEOUS readers (I’m drinking wine so I may or may not, but probably do have my beer goggles on).

It has been one looooooooong summer and I am so ready for fall (and no, it is not because of “pumpkin spice latte” season…geez, I’m not THAT much of the stereotypical white girl).

Summer sucks for the following reasons:

  • Any temperature over 85 degrees is miserable.  I already know I am going to “Hell”, I don’t need to get acclimated to the temps yet.
  • anigif_enhanced-buzz-29343-1373055715-0Wildfire season.
  • Bugs.
  • Bikinis (I gained 15 pounds this summer, so even a moo moo was hard to squeeze into).

P and I also had a very expensive summer.  With a summer mix tape that included songs like “Not Cooking At Home Boo (Too Hot To Turn On The Oven)”, “Oh SH$# My Car Broke Down…Again”, “We Broke As F&%$, But Let’s Go Out Of Town Anyway”, and the always classic “Sipping On $8.00 Beers With Our Friends (You Only Live Once) Remix” our debt has gotten out of control.chow-yun-fat-lighting-cigarette-with-burning-money

Why is it that I always feel like we take two steps forward with our debt promptly followed by two steps back?

Whoa…

Holy late 1980’s Pop Song Epiphany Batman!

I just realized when it comes to how P and I view money, I am Paula Abdul and P is that cartoon fox with the wife beater and suspenders (it is a fox, right?) in the classic “Opposites Attract” video.

See?  Who needs therapy when some old school Paula vibes will suffice?!

Back to what this blog is about:  Fall!!!!

This is what I LOVE about fall:

  • Soup.
  • Hot chocolate.
  • Boot weather.
  • Football season (Go Hawks).
  • Leaves changing.
  • Bugs dying.
  • Halloween.
  • Clothing that covers everything is finally acceptable to wear once more.full-body-sweater
  • Blissfully making the transition from summer social butterfly to spinning a hermit cocoon for the fall.

I LOVE FALL!!!!!

Can’t wait to drop some lbs and save some monies (not a typo, just had to drop a rhyme) this fall!

Ang

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STUDENT LOAN DEBTLESS!!!!!

March 31, 2015.  A date that will forever be remembered by me as the day that I am student loan debt FREE!

Commence the dancing!

98BbqFr excited-dance giphy (1)

After close to a decade of paying off those loans, it is time to CELEBRATE!!!!

Sorry, just had to brag for a moment!

Ang

Ringing in the new year with new debt

We are only into the new year by two weeks and this house is already into another several thousand dollars worth of debt.

Here is how it happened.

P wanted a plasma TV.  According to P, plasmas were endangered and quickly heading into extinction which meant we had to get one “NOW!  NOW!  NOW!”

I looked deeply into his eyes and told him that we didn’t have the money set aside for a plasma TV, and we already have two TVs so we don’t need a third.  I offered him sex if he agreed with me.

thumbsup

He did.

Then the next morning…

P and I carpooled to work and he brought up the plasma AGAIN.  I thought we put this thing to bed (if you know what I mean, *wink* *wink*).  P and I went back and forth.  Since he has way more energy than me when it comes to fighting, I just said “whatever you want to do”.

7-Pretty-Woman-quotes

What my baby wants my baby gets because my baby now has a new plasma TV in our living room.

With the new TV came a new problem.  Our TV stand we currently had couldn’t hold the weight of our new TV.  So now our new plasma TV is now placed atop a new entertainment center.

Then for shits and giggles we decided to look for sectionals.  After all, we couldn’t enjoy the new TV on the new entertainment center with our current “old” couches.  So now our living room is filled with a brand new sectional to enjoy the new plasma TV placed ever so beautifully on our new entertainment center.tumblr_mbg0bv8sn31qjj0j1o1_500

I guess when all else fails it is at least material for my blog!

Ang

Let the snowball roll

This morning we finally paid off P’s dental bill!!!!  Gif3With this last unexpected expense finally paid, we can get our debt snowball rocking and rolling to start paying off all our other debt (credit card, student loan, car payments, mortgage…the usual).

If you aren’t familiar with Dave Ramsey’s snowball method to get out of debt, let me break it down for you.

You write down all your debt starting with smallest to largest.  By the way, this is definitely the most cringeworthy part of the process (it is nauseating to see all of your debt on one piece of paper).

So for example, our debt from smallest to largest goes like this:

P’s dental bill.

My student loan.

Credit card.

P’s student loan.

Jeep loan.

Mortgage.

You pay the minimum payments on all of the debt except the smallest debt.  Any extra money you have during the month is put towards the smallest bill along with your minimum monthly payment.  Once the smallest debt is paid off  you then start to tackle the new smallest debt (which for us would be my student loan).  So next month I can put the dental bill payment (which was $225/mo…I really need to introduce P to floss) as well as any extra money we can come up with and pay that amount in addition to my minimum student loan payment I already make (which is currently $150/mo).

giphyBreathe. Save. Repeat.

With one debt gone, I am sure that I am going to be able to sleep a little bit better this Labor Day weekend.

Hope you all have a frugal weekend!

Ang

Old Habits Die Hard

It was one very fun yet very expensive weekend. Old Ang and P went out  on the town and spent money stupidly.  help-me-im-poorThe new and improved versions of Ang and P are now  paying for it.  Here is a glimpse at our mindset this weekend:

Plenty of food at home? Nah, let’s dine out FOUR times!!

$6.00 beers at the baseball game? Sounds like a completely reasonable price.  We will have 4 each please.

Sold out of the normal showing of Guardians of the Galaxy? Well, we will just go to the next 3-D showing and spend $28.00 for two people to see a movie (the movie was awesome by the way).

Needless to say, this gal has an upset stomach and a throbbing headache after looking at her bank account balance this morning.

Hope all of you had a more frugal weekend than we did!

Ang

Love and Money

When you get the good fortune to find someone in this life that you can tolerate for the next4fdaa3b92775483bba6715652ec615ee 60 years, the next step is usually the combining of households. Nothing says “I love you” more than the willingness to live in the same space and share the same toilet. Only love could bring us to the point where we would want to share the most intimate of spaces. However, more intimate than the sharing of time on the porcelain throne is the sharing of money.

Now there are some couples I know that keep their finances separate. Their money is their money and all combined bills are split in half. If it works for you then that is fantastic. However, this is not the case with P and myself. From the second we got engaged for the third and final time (sometimes a girl needs to be proposed to several times in order to make sure her gentleman caller is serious) we knew that there would be a melding of what little money we had at the time. That is the nice thing about being poor, no prenup is necessary because nobody wants half of nothing.

The agreement we had before we walked down the aisle was that I would be in charge of paying the bills and the finances. The reason for this was simple: P was the dreamer and I was the realist. I am finding out that when it comes to money you have to be real.

couple-fighting-over-moneyThis worked the first few years of our marriage. I paid the bills, we budgeted out what we could afford and had very little debt besides our *shiver* student loan debt (I’m not going to rage…errr…I mean write about that topic in fear of developing carpal tunnel syndrome).

Then resentment built up on both sides. P felt like he was constantly on a budget and being told “no” when he wanted to buy something. I felt like I was constantly saying “no” and was tired of being the responsible one.

P’s dreamer mentality was appealing to me. So much so that I let go of the financial reins, closed my eyes and became a dreamer too. It was pure bliss, until I woke up after a couple of years to find us in over $12,000 of credit card debt. A very rude awakening indeed.

That is when I realized that there is only room for one dreamer in this marriage and it is not me. I have always been the girl with her feet firmly planted on the ground. A realist when it comes to life, love and finally with money again. My realistic mentality is getting us out of debt that my dreamer mentality got us into (but it sure was fun to be a dreamer while it lasted).

If you combine your finances and you want to be financially secure there has to be one person who is a realist.  There has to be someone who is talking sense (or cents, *wink* *wink*) when it comes to money.

So let me end this post by making a confession.  My name is Angela and I am a realist.  There, I said it.  I am no little suzy homemaker, I am a healthy proportionately sized suzy sensemaker.  And I am okay with that.

Thanks for reading, and leave a comment below.  Would love to know how many of my readers are dreamers or realists when it comes to money.

Ang

Cutting Back

51992529At the beginning of the year I promised you loyal readers that I would be out of over $10,000.00 worth of credit card debt by 2015.  I may have been overshooting…BUT let me explain.

Life happened.  Cars needed fixing, teeth needed fixing, medical “stuff” needed fixing.  Life.

BUT (I like big BUTs and I cannot lie) now that a majority of those bills are all caught up, it is time to refocus on my bad debt, that nasty credit card debt.

We have been paying more than the minimum each month on our monthly bill so our total credit card debt is down to around $8,600.00 (I should know this amount down to the penny BUT I don’t).  With only half the year left, I am not sure we will be completely credit card debt free in 2015 but P and I have decided to make three changes in this household to cut out some of our monthly expenses.

  1. Surprise discount on our phone bill.  P went down to our cellular phone company for work purposes and a super groovy employee mentioned to him that he actually gets a work discount for his personal account as well (though I wish we would have known it sooner).  Surprise monthly discount of $25.00.
  2. Jeeper by the dozen.  We decided to downgrade from an ’09 Jeep Rubicon to an ’06 Jeep of some kind (asked P what kind, then he started telling me how to word the “Jeep” portion of my blog and we ended up getting into a Jeep/blog fight which ended in silent treatment the rest of the night which means he won’t even “like” this blog on facebook now…damn). Anywho…monthly savings of over $130.00 in Jeep payments.
  3. Bye bye Bravo.  P went down to our cable provider (which I was going to give him special props for until he pissed me off when I was writing number 2 on this list) and cut the TV.  Sad day BUT this decision just saved us $70.00 a month!

That means our total monthly savings by cutting back on a few things is around $225.00!  Which means in the last half of 2014 we will be saving a total of $1,350.00!!  Sweet!

This credit card debt may not be gone in the next 6 months, BUT these small changes will definitely help..

See you tomorrow for an all new blog in my #93daysofblogging challenge, and hope this blog inspires you all to cut back on a few little things for the greater good!

Ang

P.S. If anyone knows any marriage counselors who specialize in fights of the Jeep and blogging variety, let me know…

More Month Than Money to More Money Than Month

Total-Money-Makeover-Book-CoverDave Ramsey uses the phrases “more month than money”  and “more money than month” in his book “The Total Money Makeover”.  I have this book and read it once a few years ago, and am back to reading it for a second go round (because maybe his advice will actually “stick” this time).

It seems that P and I always have just a little bit more month than money and I am tired of dipping into our savings each month to “survive” until the next payday. This upsets me for two reasons:  1)  I should not be dipping into our emergency fund unless it is an emergency.  An “emergency” is NOT running out of money because we spent way more than we should have and now can’t afford groceries the last week of the month, and 2) We make a decent living.  By no means are we wealthy, but we make okay money and it is just the two of us and our pets, so we HAVE enough money each month, we just don’t spend all of it the way we should.

So why does this keep happening to us?  Why can’t we get our financial s$#t together and have  more money than month vs. more month than money?

Because we rarely make a budget together.

Because we are lazy.

Because we can think of a million other things that we would rather be doing with our time than sitting down and talking about our personal finances. UGGGHHHHH!  My blood pressure can’t be good right now…

walletWhat prompted this rant on this Monday?  Today is payday for both of us.  I love/hate payday because I feel rich for a moment and then overwhelmed with writing out our monthly bills and with all of the questions on what to do with the excess of our money (since we don’t make out a monthly budget). How much should we put in savings?  A vacation fund?  Groceries? Gas? Entertainment?  How much can we put towards our debt? Who has a birthday/wedding/shower this month and how much should we give to that person?

In any relationship, if you combine your money, there has to be a designated bill payer.  I am the bill payer in my relationship so for me,  every payday is a pain day.

This month, I am going to try to spend a little less time watching Bravo and lure my husband away from playing Battlefield 4 (even if that means flashing him some boobies) and create a budget for the next half of the year.

Hopefully taking the time to make a monthly budget will be completely worth it (and I have a feeling it will).

Happy Monday and have an even happier payday!

See you back here tomorrow for an all new blog in my #93daysofblogging challenge.

Ang

 

 

Three things I want this June 2014!

Definitely spent more of my weekend trolling on the internet than I would like to cop to.  In my trolling adventures I did find three things that I would love to have this month in my fantasy life!  Drum roll please (just make the sound in your head for dramatic effect):

1.  GoT Nerd Alert:  A bumper sticker that I would be proud to smack on my car’s ass!

http://www.amazon.com/People-George-Martin-Bumper-Sticker/dp/B00EN34U9W/ref=sr_1_1?ie=UTF8&qid=1403371451&sr=8-1&keywords=Squee+Squared

Love me some Game Of Thrones but hate me some bumper stickers, however this sticker is just too fantastic NOT to tattoo your car with AND it is only $4.00 (and $2.00 in shipping).

2.  Veggie Lover Alert:  Spirooli!

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Summer is here, which means farmers’ markets and fresh produce!  Have been obsessed with this since I caught it on an infomercial ($29.99 at Bed Bath & Beyond).

http://www.bedbathandbeyond.com/1/1/153475-gefu-spirelli-spiral-slicer.html

3.  Wino Alert:  The perfect summer chair!

 

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This is definitely an item that I could only afford in my fantasy life BUT that is what this entire “three things” feature of my blog is about.  This chair is made of wine barrels and has a holder for your wine glass.  I can picture myself on my back deck during these upcoming summer nights enjoying a glass of chilled boxed wine in this chair.  Alas, it is way out of this gal’s price range ($329.00 for 1 chair, $599.00 for a set of 2).

http://winebarrelproducts.biz/New_Images___Text_Layout_6.html

Thanks for taking the time to stop on by and remember that there will be a new blog every day for the rest of the summer!

Ang

 

 

Three things I want this April 2014!

This whole “not spending money thing to get out of debt” really sucks sometimes, especially with so much cute eye candy on the internet.  Here are three things I have my eye on this month:

1.  A bawdy bookmark!

Image

http://www.weddingwindow.com/blog/fave-finds-funny-gift-ideas/

2.  Some Walking Dead swag!

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http://www.bigtimeteez.com/

3.  A Birchbox subscription!

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http://www.birchbox.com/

Oh well, a gal can dream!!

I did want to give you an update on one of my “three things I want this January 2014” post (https://frugoal.wordpress.com/2014/01/27/three-things-i-want-this-january-2014/)

My awesome brother-in-law Tim surprised me with Cards Against Humanity!!!

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Thanks for being awesome Tim!

P.S.  To all of you ladies out there looking for love, Tim is single and very much ready to mingle.

Thanks for stopping by guys,

Now off to go have a very frugal Saturday!

Ang