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Archive for November, 2006

The Most Frugal Thing I Did Today

November 28th, 2006 at 07:04 pm

Hi, everyone. I know this is my second blog for today, but my computer has had some problems and so I am behind on my blog entries. I made some chili today and will be eating it for lunch two days this week. That is a savings of at least $5 each day. I usually just buy a bottled water and a couple of packages of crackers at my college's cafeteria, which amounts to around $.75 total. I feel better about making my own lunch, knowing that I am feeding my body good food. It feels very nourishing to eat food that I cooked myself.

On a Positive Thinking note, my husband and I have set a goal to move to a different home by the end of June next year. We are thinking of the universe as our Sears and Roebuck, opening it up, deciding what we want, and placing our orders. If you don't know what I mean by Positive Thinking, see my last blog dated earlier today. We did not specify whether it has to be a rental or one we buy, so it can be either and will be within a 15 minute drive of my work. We are setting aside money to be able to do it, but we are letting the universe decide whether it is a rental or something we buy. I feel very good about being another day closer to moving to a different home.

I'm Still Standin'

November 28th, 2006 at 05:38 pm

Well, in case you don't recognize it, the title of my blog is from an Elton John song. It seems like everything that initially starts to go wrong eventually turns out right. Sound weird? You see, my husband and I have been trying something new with our finances and our life in general lately. My husband was referred by a blog friend to a website called The Secret. The Secret is about using positive thinking and feeling in all areas of your life. The theory is that what you focus on, whether it is that you don't have enough money, you can't make your mortgage, or you are sick, gets bigger. So, if you focus energy and thought on not having enough money, you will continue to not have money.

Last Thursday, Thanksgiving Day, my husband and I were on our way to my mother's for Thanksgiving dinner. He had been chatting back and forth with his daughter on his cell phone. Suddenly, we get a call from his ex-wife who was heading in the opposite direction on the same highway. She was out of gas and asked if we could help. We were only about 1 mile away and stopped to get her and take her to a gas station. While they were inside getting the gas can, my stepdaughter stayed in the truck, they were talking to the guy inside the store who commented that it was good she ran into a good samaritan. Then, she told him that the good samaritan was her ex-husband. They said he was pretty surprised by that.

On our way back from my mother's house on Saturday, we started hearing a funny noise from the back left part of the truck. I thought it sounded like a tire going bad, but my husband said it would be fine. When we stopped at a rest stop, it was apparent that we had to replace the tire immediately, as the rubber was starting to separate. It took awhile to find some place that was open and could sell us a new tire and install it. This was, of course, an unexpected expense, something I am trying to create a solution for by funding a short term savings account, but I haven't quite got it worked out yet.

The point of my little story here is that we didn't stop thinking positively and put all of our energy and thought into it turning out right.

The unfortunate thing I found out about recently is that the 0% interest for 12 months credit card I applied for was not approved. I have to focus my energy on increasing my in flow of money. The great thing is that I have more medical bills paid off. Woo-Hoo!

Applied for Different Credit Card

November 10th, 2006 at 05:16 pm

Hi, everyone.
Well, I got fed up with Capital One's 18.5% interest on my credit card and also a $19 fee every year. I applied for a different one with Bank of America American Express that has 0% for 12 months on balance transfers. After 12 months, the rate goes to 7.9%. I haven't gotten the card in the mail, yet, but I feel really good about this. I also did a balance transfer from my old card. With the interest rate being much lower, I can pay this off in no time!