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Post by Admin on Jun 8, 2007 15:43:39 GMT -5
I am so sick and tired of debt.. Hubby and I need to really honestly stick to a budget.. I want the credit cards GONE.. and be able to know that our credit is back up to where it used to be..
What ways do u save money and scrimp and save?
I have to do this.. if not things will only get worst
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Post by aidensmom on Jun 13, 2007 20:24:26 GMT -5
well we have 2 separate accounts, so when we want to save up money for something we put it in the 2nd account and act like it isn't even there. None of the bills come out of that account so it is easy to forget about it, we also do a monthly budget sheet on our computer and it indicates what we bring in each pay, we get 2 pays a month, and then we have certain bills being paid by pay 1 and others being paid by pay 2. We also alott spending money from each pay to be included in this, basically we end up using the whole pay, whether some goes to bills, spending, or savings, and that way we don't over pay. Once you can get the credit cards down, perhaps lowering the available balance to $500.00 would help and only have one credit card, I don't have any department credit cards at all, we have a Visa and that is it.
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Post by Karisma on Dec 12, 2007 22:30:51 GMT -5
WOW Aidensmom...thats how we do it here!! I am the budget queen!! Sassy...I can help! Its my calling!!
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Post by luvmykid on Dec 14, 2007 20:49:21 GMT -5
We've been investing money, it's in an open account so we can take it out whenever we want. It's our rainy day, emergency money that we invest and forget about, out of site out of mind.
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