cindys on January 9th, 2010

Have you seen those television ads for two pairs of glasses for $69 from America’s Best Contacts and Eye Glasses?  They are on tv every other hour here.  I finally gave into temptation and a very dire need to get new glasses and made an appointment.  I went to their website and read all of [...]

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cindys on November 29th, 2009

I have to admit that I hate to shop.  I hate the holiday crowds, fighting for a parking space, standing in long check out lines.   All of this is why I love shopping on online.   I have found that I can save hundreds of dollars a year even with my limited holiday budget just by [...]

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cindys on October 14th, 2009

When I was growing up, we supplemented our heat with a wood stove.  It was smelly, smoky and a very dry heat.  I have fond memories of cozening up to the woodstove after coming in from the cold.  I have not so fond memories of filling the house with smoke trying to get it started [...]

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cindys on August 4th, 2009

We started off the weekend on Friday with a buying trip to North Carolina.   We had caught the bills up and carefully budgeted the trip so that we could go and still have money to buy horses.  I had packed our lunch and dinner. I was up at 4 am and we hit the road [...]

Continue reading about A Step Ahead and Two Steps Back

I have 4 children, the oldest is 32 and the youngest is 16.  I sincerely wish that I was not financially adrift when the oldest ones were growing up, however, I had little or no financial sense.  There were times when I had plenty of money and there were times when I had little or [...]

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cindys on November 12th, 2008

Yesterday a reader commented on my post 10 Steps to Budgeting with Irregular Income and it reminded me of the most important step to begin a budget or spending plan. Denise from Plain Ol’ Food says We use the envelope system for both personal and business expenses and as cash comes in some is put [...]

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cindys on October 21st, 2008

Gas prices have driven my fuel expenses up until they are the highest expense that I have.  The recent drop in price has helped quite a bit but it is still my highest expense.  I stumbled onto a way to cut my fuel bill in half yesterday and I jumped at it. I have been [...]

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cindys on May 9th, 2008

by mitch.surprenant I have money!!! I have money in savings, I have money in checking and I have money in my pocket! It’s not a lot of money but I feel like celebrating! I feel like the weight of the world has lifted off my shoulders. I have also found that I am much more [...]

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cindys on April 27th, 2008

I thought I had better update my no spending challenge.  I did pretty well until yesterday when I met my teenage children after CPR class.  We haven’t been able to get together but once since Easter as they live 3 hours away.  As I was going to be halfway anyway, we decided to get together [...]

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cindys on April 23rd, 2008

In my post yesterday on having extra money, I mentioned purchasing an oriental carpet on clearance. I stated that I would have to adjust my budget to pay for it. I want to clarify that I paid for it in cash but that the money that I used was designated for something else in my [...]

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