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Viewing entries forView all blogs (popular) | Personal finance (popular) | Real estate (popular) | Investing (popular) | Visit Items 1 - 25 of 95
    Friday, May 16, 2008 My Spring Harvest Begins (1 click)
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May 16, 2008 at 10:17 pm ET It's not much of a harvest. So far only 3 pea pods and one zucchini but every edible item is a small victory for me. Sadly, only one pea plant survived. I should plant more. I started these fellas early in the green house and then moved them outside as soon as it got too hot for them inside. It is a lot of work to water them everyday. They will only need water until it starts to rain but that is still a month away. This next month is crucial. It is supposed to be 100 degrees next ... (more) Thursday, May 15, 2008 Times When (8 clicks)
Wednesday, May 14, 2008 Upgrading My Phone Plan (3 clicks)
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May 14, 2008 at 9:48 pm ET Or maybe not. Since my cell phone is my only phone I have been going over my allotted minutes lately. Extra minutes cost 40 cents! I either need to stop answering my phone or get more minutes. I don't want to be completely anti-social so I looked in to upgrading my phone plan with Verizon. Verizon just sent me a coupon for a free month of service if I signed up for another year long contract so I did. Now I am regretting it. My plan is 300 minutes and 3000 night and weekend minutes for $35. Nights start at ... (more) Tuesday, May 13, 2008 Doing The Happy Rain Dance (2 clicks)
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May 13, 2008 at 10:37 pm ET The weatherman did not say it was going to rain today but I am glad he was wrong! I came home to wet streets and water in my tanks. I have a window-less office so I didn't even know it had rained. It's not a lot of water, only 60 gallons, but if it doesn't rain until mid-July then I think I can make it with the water I have. I might even be able to do laundry and water my little plants (they will be happy). There is a chance of rain tomorrow too but I don't want to ... (more) Monday, May 12, 2008 Everyday Frugal Tidbits (7 clicks)
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May 12, 2008 at 11:53 pm ET Frugal (or cheap) things I did today:Brought leftovers for lunch.Brought my own drink in my own bottle.Washed a ziploc bag.Repaired my broken nail with super glue and tissue.Went for a walk.Took a super-quick shower.Cooked pasta for the next 4 lunches.Used recycled water for my plants.Got my news online instead of buying paper.That's about it for the daily stuff.The long term list would be...Rented out my house and moved in to an RV.Collected rainwater for showers, laundry and plants.Making accelerated mortgage payments to pay off my mortgage early.Do without cable or satellite.Use only a cell phone. (although I went over on ... (more) Sunday, May 11, 2008 One Day At A Time (5 clicks)
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May 11, 2008 at 11:15 pm ET I'm getting my lunch ready for another work week. I'm not looking forward to the week but it is better than being unemployed. Everyday that I go to work I am one day closer to succeeding with my retirement plan. Last week, when I was playing with my mortgage spreadsheet, I figured out that I could pay it off in a year and a half if I sold off my stocks, RV, sold most of my possessions and used my emergency fund. I would be broke but free from my mortgage. Then I could live off of the rental income. ... (more) Saturday, May 10, 2008 Lost All Self-Control At The Grocery Store (13 clicks)
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May 10, 2008 at 8:20 pm ET Yup, I lost my self-control. I went to the grocery store with a big long list and only bought 3/4 of the items but my bill was still $135. That's way above the $20-$30 that I could have spend on just necessities. I used the 'stocking up' excuse to rationalize my extra purchases. For example: I wanted cashews. They are very expensive in those tiny little cans so I bought the giant bucket for $10. I'll be eating cashews for quite a while. Soda was buy 2 cases get one free so of course I HAD to buy 3. I ... (more) Friday, May 9, 2008 Rationing The Groceries (10 clicks)
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May 9, 2008 at 9:06 pm ET I made it to the end of the week without grocery shopping! That was my goal. Now I have to make sure I don't over-spend tomorrow. I need to stick to my list and menu. I think I will buy deli meat and have salads and sandwiches next week. I also need milk, soda, juice and iced tea. I am totally out of liquid except diet pepsi and water. Maybe I will just sleep in tomorrow and skip breakfast, then I won't have to eat my toast with water.I was helped along this week because someone in the office brought ... (more) Thursday, May 8, 2008 Almost Forgot My Forever Stamps (2 clicks)
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May 8, 2008 at 10:35 pm ET Since they announced the postage rate increase a few months ago, I have been planning to buy some Forever Stamps. I didn't get around to it and my mother reminded me last weekend that the rate change will happen May 12. I never seem to make it to a post office. I used to buy stamps at the grocery store but I haven't been shopping lately. I found one of those orange envelopes that the mail person leaves to order stamps but since I can't mail letters from my home I would have to go to the post office anyway ... (more) Wednesday, May 7, 2008 Practicing Shopping Avoidance (3 clicks)
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May 7, 2008 at 10:59 pm ET The best way for me not to spend money is not to shop at all. Every time I go in to a store I see something that I "forgot" that I needed and I just have to get it. Commercials for stuff aren't too tempting so at least I can still watch TV. The only ones that get to me occasionally are the food ads. Pizza Hut's new pastas are very tempting but when I really think about it, I can make my own pasta and it tastes better for a lot less money.I went in to the Habitat store ... (more) Tuesday, May 6, 2008 Mortgage Payment Plan Progress (2 clicks)
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May 6, 2008 at 10:57 pm ET Another $1,200 extra principle payment for my mortgage! Only $64,800 to go until job freedom! That's the day when I no longer have to work to support my mortgage. I will be free to work less hours, change to a more enjoyable job regardless of pay, and pursue my passions! 4 years and 8 months left of my plan if I only contribute an extra $400 a month and move back in for all but one month a year. But any extra rent payments will knock months off the end of my payment plan. ... (more) Monday, May 5, 2008 From Frugal Freedom - view blog entries - visit this blog
May 5, 2008 at 10:55 pm ET I would usually go to the grocery store now. I am bored with the food that I have and my usual staples are dwindling. The grocery store is also where I overspend every month and with prices going up, I can't keep doing that. I made a list of all of my wants and needs and then thought about the food that I have left. I want milk, juice and rootbeer. I have powdered milk, water and diet pepsi.I want hawaiian bread and bagels. I have a frozen loaf of wheat bread.I want some microwave dinners for the times I ... (more) Sunday, May 4, 2008 From Frugal Freedom - view blog entries - visit this blog
May 4, 2008 at 8:39 pm ET People who are 'with it' upgrade their electronics and I get the cast-offs. I have to admit...I still have a cassette tape walkman. I haven't listened to it in quite a while. I used to take it with me on plane trips. It started eating batteries too fast to be of any use so I stopped taking it. I remember one very short layover in San Francisco where I dashed off the plane to buy some very expensive AA's from the gift shop. Too much trouble. After that I took a book or magazine or just read one of the ... (more) Saturday, May 3, 2008 From Frugal Freedom - view blog entries - visit this blog
May 3, 2008 at 7:43 pm ET I emptied my second water tank today. Since I am trying to rely solely on rainwater I am carefully calculating how many gallons I have left. The monsoon season starts around the second week of July. I believe this year the monsoon will officially start on a certain day instead of waiting for 3 consecutive dew points of a certain number like they used to do. I am hoping it rains sooner than the second week of July but that is the date I am using for my water plan.I have 10 weeks to go but one of those weeks ... (more) Friday, May 2, 2008 Got My Rent Check! (23 clicks)
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May 2, 2008 at 10:16 pm ET But I am a pushover. I called them to remind them that the rent was due and they jumped in their car and delivered the check to my work. I was so happy to get the check I didn't mention the $50 late charge. I know, I know. I am a bad landlord. I can't wait to get out of this business. I am thrilled to be able to put another month of my mortgage repayment plan in motion though. I deposited the check after work which will allow me to pay another $1200 extra mortgage payment. Even if my ... (more) Thursday, May 1, 2008 Where Is My Rent Check? (19 clicks)
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May 1, 2008 at 10:44 pm ET Once again the first of the month is here and I don't have a rent check from my renters. I shouldn't have to call and remind them every month. Maybe I should send a bill. The contract states that there is a $50 late charge. I need to enforce that. Of course, this is one of the things that I hate about being a landlord. I don't want to be their mother. I don't want to have to remind them. I don't want to be responsible for their actions if they do something bad. I don't want to clean up ... (more) Wednesday, April 30, 2008 Not the Right Time To Sell? (5 clicks)
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April 30, 2008 at 11:06 pm ET I read an article today and now I can't find it again. I hate that. I found it at work and now that I am home it has disappeared. I don't know if it was on a blog or in the online newspaper. Anyway, this article was talking about how people are selling their things on Craig's List, ebay, and other sites to make money to pay for the ever increasing prices of food and gas. It said that Craig's List 'for sale' items were up 70%. The bad part was that there are so many things for sale that ... (more) Tuesday, April 29, 2008 Getting Hotter (2 clicks)
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April 29, 2008 at 9:52 pm ET It's getting hotter here in Arizona and that makes me tired. I had to turn on the AC this evening. Pretty soon I'll have to leave it on all day. I am not looking forward to those electric bills. Since I am paying for my rental house's utilities the bill will look outrageous but hopefully I charged enough extra rent to cover it. I didn't expect 8! people to move in to the house though. The spring and fall months should offset the summer bills. If not, this will be an expensive lesson and I definitely won't try it again ... (more) Monday, April 28, 2008 10% Extra Sounds Too Good To Pass Up (14 clicks)
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April 28, 2008 at 10:59 pm ET This article at All Financial Matters talks about the retailers who will add 10% to the Tax Stimulus Rebate check that many of us will get soon. It sounds interesting. An extra $60 or so for groceries would be very nice since that is my biggest expense besides gas. I wouldn't just blow the money either. I would still stay within my monthly food budget and add my rebate check dollar amount to some other category like RV repairs. That is one category that needs some funding. When I came home today I noticed that the glass panel on the ... (more) Sunday, April 27, 2008 Money Free Weekend (3 clicks)
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April 27, 2008 at 10:47 pm ET I think I would like that title better if it said "Free Money Weekend". It is the last weekend in April. Time to add up the monthly budget and see if there is anything left. I had quite a few unbudgeted expenses including a new water pump, 2 lunches with coworkers, new pants and a $20 trip to the dump. Adding it all up I am $83 ahead! I am sure this is a result of staying away from the grocery store. I was given some food by people who were going out of town so I made do with ... (more) Saturday, April 26, 2008 How Much Space Does One Person Really Need? (24 clicks)
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April 26, 2008 at 9:54 pm ET Part of my 5 year retirement plan is to build a house on my property to replace my mobile home and RV. If I am still on my own in 5 years I won't need to build a traditional 3 bedroom, 2 bath home. I don't need all of that space and I don't care what they say about resale value. I am going to build what I want and can afford. Building a larger house would just make me tied to my job longer. Plus, if I need a larger house some day I can build one and ... (more) Friday, April 25, 2008 I Think Qwest Just Likes Attention (13 clicks)
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April 25, 2008 at 9:45 pm ET Qwest sent me a check for $53.22. I assume it is a refund for overcharging me last month but they didn't include any kind of explanation. I would have been happy if they had just credited my account. I don't like to deposit checks. I either have to spend a stamp to mail them in or go out of my way to drop them off at the bank. My bank moved farther away from me after I signed up so it isn't very convenient at all. I am waiting for a bank to be build near where I live so ... (more) Thursday, April 24, 2008 Something I Do That Is Pretty Much Just Cheap (12 clicks)
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April 24, 2008 at 10:37 pm ET I started going grey at 17. I'm 35 now. I'm not ready to accept it yet. I had been buying boxes of cheap hair dye in the $3-$4 range every month, but now I think even that is too much. Besides not wanting to spend the money I don't have enough water to wash the dye out of my hair. Yes, I wash my hair regularly but I usually use twice as much water to make sure all the dye is rinsed well. And also, I only need to touch up the roots and my bangs monthly. Whole head dye ... (more) Wednesday, April 23, 2008 Gas Prices Are Crimping My Budget (6 clicks)
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April 23, 2008 at 10:19 pm ET The budget is getting tighter and tighter. Gas is $3.33 right now, the highest I have seen I think. I had a job a few years beck that paid for my gas. Boy, I wish I still had that job! I put in 16 gallons for $45. The pump was excruciatingly slow although the dollars still rang up quite quickly. I believe this is going to be another tight month. I keep changing my mind about how to spend my tax rebate check. Now I think it will just go towards gas. I live in a rural area so I ... (more) Tuesday, April 22, 2008 Analysing My Minimum Budget (18 clicks)
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April 22, 2008 at 9:21 pm ET I'm in the mood to retire now, right now. I was hacking my budget down to the bare minimum again trying to see if I can quit my job any time soon. It didn't work. No matter how I look at it, I can't get my budget small enough. The least I can live on is $680/month with a high deductible health insurance policy. I could make that much with a part time $10/hour job but there aren't a lot of those jobs available and any unplanned purchase would sink my budget. Plus I still have the big elephant around ... (more) Items 1 - 25 of 95
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