Owner: Financial Frugality URL:http://financialfrugality.com Join Date: Fri, 17 Oct 2008 05:48:07 -0500 Rating:0 Site Description: My debt reduction journey, including tips for living fully with financial frugality. Site statistics:Click here
Tips for saving on groceries 2008-10-16 08:27:38 This coming weekend it will be time for my monthly grocery shopping. I try to go the weekend before most people get paid since the shop is nice and quite and fully stocked. There are also loads of specials on.
Here are some tips for saving on grocery shopping:
Watch out for grocery store circulars to see which grocery stores [...] Read more:groceries
An expensive trip 2008-10-11 15:47:01 I went out of town today to visit my family who lives in another city about 2 hours from me. It was a planned trip for which I had budgeted, but it cost me more than I had budgeted for:
Gas for the trip came to $150, which was $50 more than budgeted for.
I had to [...]
Lessons I have learnt… 2008-10-10 07:41:59 I haven’t been on this debt reduction journey for long, but I have already learnt some valuable lessons along the way, especially about myself.
If I plan my meals for the week ahead, I will budget accordingly and stick to the budget. If I don’t plan, I don’t budget and we end up eating take-outs.
I need [...] Read more:Lessons
Regrets 2008-10-07 09:01:06 Sometimes I get really upset with myself. Why did I not have more self-control during the past few years when it comes to spending? Instead of overspending and now struggling to get the debt down, I could have lived a very comfortably life without having to worry about debt, with sufficient spending money and reasonable [...] Read more:Regrets
These are times that an emergency fund would have been useful 2008-10-04 15:48:35 Today was supposed to be a non-spending day. My work had a fun day for employees and their children and everything was FREE - food, entertainment, snacks, EVERYTHING FREE.
Just as I got to the function though, one of my in-laws called me to take her to visit a sick friend in hospital - in another [...]
It’s going to be a tough one! 2008-10-02 07:10:32 We are only one week into October (I get paid on the 25th of each month) and I am already cash-strapped. I had some unforeseen expenses which ate all my extra cash for the month up. I am still waiting for my second source of income to come through and although it is a small amount, [...]
Net worth update - Sep 2008 2008-09-26 17:14:03 I was worried that my net worth would have gone down during September 2008 due to increased credit card debt. My net worth went up with $3,078 despite the $97 increase in credit card debt. The main reason for the increase was that I paid the final instalment on my personal loan. I also managed [...]
Budget for October 2008 2008-09-26 03:59:23 I finished my budget for October
2008 last night. It is going to be another difficult month, but at least November 2008 would be a bit easier. This week I am paying the final instalment on my personal loan. In addition to that, the last payment on my one cellphone contract will be done. There [...]
Worried 2008-09-23 06:05:38 I am worried. Tomorrow is pay day and I have already incurred such a big amount of credit card debt on the card that was almost paid up…. I really need to look at my budget carefully.
Friday Frugal Food 1 2008-11-07 15:00:00 I have decided to start a new weekly feature called the FridayFrugal
Food. In a nutshell I will be posting a frugal recipe each week - something I have made at home, is tasty and cheap to make.
I will also post a picture to show what it looks like, but for today’s recipe the [...]
Year-end surprises! 2008-11-05 07:22:19 With the end of the year coming a close, there are all kinds of unexpected expense-surprises. At the end of October, I have had the following unexpected expenses:
Double school fees. No school in December for my pre-school dd, but the teachers get an early bonus.
Money for a dvd of dd’s school concert
Money for a cd [...]
Blog review for October 2008 2008-11-02 13:51:39 Although I started this blog a few months ago, it was only during October
2008 that I started posting regularly and monitoring its performance.
Here are the key stats for October 2008:
Visitors increased +40%
Page views increased +81%
Income increased by 50%
Some areas to work on: Search engine traffic as well as subscribers. Read more:review
Lessons from the great depression 2008-10-31 02:30:45 Many economists have made statements to the effect that the current economic situation is the worst since the great depression
and that it might very well lead to another depression for the world economy.
What lessons can we then learn from the great depression to help us survive the current economic crisis?
Avoid debt. Don’t use your credit cards. [...] Read more:Lessons
Some easy tips for saving money! 2008-10-29 06:48:19 Most of us have a fixed income. If we want to save money we basically have one option – reducing our spending!!!
Here are some tips for saving money on a daily basis:
· High bank charges: Shop around for a bank that offers low bank charges. Try not to make too many withdrawals from an ATM [...]
Net worth update for Oct 2008 - pretty depressing 2008-10-25 16:01:52 I have just updated my net worth for October 2008. The results were pretty depressing
….
My net worth has decreased by about $9k. Here are the long of short of my personal finance events for October 2008:
Bad things:
* My retirement fund decreased. This was expected, but really depressing. Even more depressing - the trend might continue [...]
Some credit crunch humour 2008-10-23 05:55:43 Q: With the current market turmoil, what’s the easiest way to make a small fortune?
A: Start off with a large one
*****
Q: What’s the difference between an investment banker and a large pizza?
A: A large pizza can feed a family of four.
*****
I went to the ATM this morning and it said “insufficient funds”. I’m wondering is [...] Read more:credit
Prices are up! 2008-10-20 14:28:08 The end of the month is nearing quickly. Today my credit card statements came in per e-mail and I was almost too scared to open them. I have controlled my spending, but there was one or two unexpected expenses such as a doctor’s appointment I had to pay for and claim from my medical insurance. [...] Read more:Prices
FREE Xmas hit songs!! 2008-11-27 05:58:43 For a limited time only, Oprah is making some lovely Christmas songs
available for download. The best of all - they are all free.
Take a look at Christmas Hit Songs 2008, there are some lovely songs from Faith Hill, Tony Bennett, Josh Groban, Il Divo, Brian McKnight, Amy Grant. Harry Connick Jnr and Aretha Franklin.
Hurry [...] Read more:Xmas
Buy Nothing Day - will you be protesting too? 2008-11-26 04:07:02 This coming friday, 28 November 2008, will be the annual Buy Nothing
Day.
What is Buy Nothing Day you may ask. Well, the name is pretty clear, but it is basically a day of protest against the rampant consumerism that permeates all modern, affluent societies. On Buy Nothing Day people are encouraged to refrain from [...]
How to control the urge to splurge 2008-11-25 04:00:57 Are you an impulse spender?
Does this sound like you?
You own a cupboard full of shoes and clothes you never wear?
You buy things that pile up in your house without ever being used
While you are spending money you feel happy and your stress has been relieved, but you feel dissatisfied with your purchases [...]
Make extra money by selling your old books online 2008-11-18 06:04:08 I just discovered a very useful site called CKYBooks. If you have old books lying around the house, why not sell it to CKYBooks to make a little bit of extra money and to declutter your house.
Basically, all you need to do is to enter the ISBN numbers of the books you want to sell [...] Read more:online
, selling
The financial crisis in a nutshell 2008-11-16 12:50:03 I attended a presentation by Prof Charles Goodheart this past week. He spoke about the current financial crisis. I will briefly summarise what he touched on during his presentation.
The causes of the crisis:
Lax monetary policy with interest rates being lowered repeatedly and the search for yield. As interest-rates were lowered in the USA, more credit [...]
Friday Frugal Food 2 - cous cous salad 2008-11-14 16:43:58 Today I want to post a recipe that is ultra-easy to make. It is quick, easy and cheap and ideal for a lunch at work. (I still have not gone to buy batteries for my digital camera, but will update the post as soon as I do.)
Ingredients:
1 cup of raw cous cous
1/2 cup diced cucumber
2 [...] Read more:Friday
, Frugal
Findsavings.com - A wonderful site for online savings!!! 2008-11-10 04:51:45 I have just discovered a site I am very excited about! If you are like me on a quest to live life frugally, you probably use coupons on a weekly basis. And if you do, you will be excited about this site too!
The site I am so excited about is called findsavings.com. Findsavings has a [...] Read more:online
Friday Frugal Food 1 2008-11-07 15:00:00 I have decided to start a new weekly feature called the FridayFrugal
Food. In a nutshell I will be posting a frugal recipe each week - something I have made at home, is tasty and cheap to make.
I will also post a picture to show what it looks like, but for today’s recipe the [...]
Lessons from the great depression 2008-10-31 02:30:45 Many economists have made statements to the effect that the current economic situation is the worst since the great depression
and that it might very well lead to another depression for the world economy.
What lessons can we then learn from the great depression to help us survive the current economic crisis?
Avoid debt. Don’t use your credit cards. [...] Read more:Lessons
Some easy tips for saving money! 2008-10-29 06:48:19 Most of us have a fixed income. If we want to save money we basically have one option – reducing our spending!!!
Here are some tips for saving money on a daily basis:
· High bank charges: Shop around for a bank that offers low bank charges. Try not to make too many withdrawals from an ATM [...]
Recommend Site To A Friend
