Wednesday, September 12, 2012

No Spend Challenge

Stop Spending for a Year?` - YouTube

No Spend Challenge

today I found an article and youtube video of a lady and her family who went on a No Spend Year. Can you do that? And if so..........what falls in the categories on what's okay to buy? I think theirs was if it was consumable or depletable. New undies was okay. After my doctor appointment today, I've decided I really do NEED to start some kind of exercise program. I have to undergo an epidural steroid injection for a bulging disk. I'd like this to only happen once. He mentioned exercise but I have to be very careful of what I do. Nothing too taxing. So.............this expense will go on top of the hospital bill from July. I really need to go on a spending fast and NOW!! How long? A week, month, year? Can I really do this? I love love love magazines, books. Now I do have enough books to last a very long time. I use name brand skin care, Mary Kay. Would that be allowed? I guess so since I'd be making the rules. The family I mentioned stopped using cotton balls and started using the cotton that is in medicine bottles. Would I go THAT far? I don't know but I don't see the harm in cotton balls. What do you think? Oh goodness! I know I need to do this but I also know my dh will NOT be on board. He doesn't really spend that much so I'm sure he won't see the need for him to do it. Anyone out there have this kind of situation at home?

Saturday, September 8, 2012

Saving vs paying off debt

The old wisdom was to pay off debt as quickly as possible. In fact, Dave Ramsey says to quickly save $1000.00 then hit the debt and don't look back. Trouble is $1000.00 really isn't that much money when you think about it. Now I read where some financial gurus suggest paying the minimum on debts and putting as much in savings as possible. Our credit scores won't help if we are losing our homes or the folks call your phone hounding you to pay your bills. Where do you stand on this topic? Right now, we only have a car and house payment, no consumer debt. I'd like to keep it that way. My dh is great with money, me not so much. I am a work in progress. I see where some of the bloggers I read go to cool conferences like Fincon etc..........I would love to do that one day.

Frugal Beauty

So here is my basic beauty plan. I usually use Mary Kay for skin care. I alternate foundations as I have a gazillion to choose from. Right now I am using a Maybelline minerls foundation but still use the Maybelline mascara and if I wear blush I will use either this Lancome rose powder or Clinique rose cream blush. I have issues with makeup as in I buy way too much for the little I actually wear. I would use the really cheap stuff if I could find some that didn't bother my skin. I have allergies and asthma. I have to be very careful what I use because I also have very red splotches on my face. Maybe it is Rosacea but I'm not sure. Anyhoo..........like I said I have to be careful what I use. I think being frugal is not just using the cheapest items you can find but using the best quality you can afford and I can afford what I am using right now. Now.........if one of us lost our job that would be a different story but for now I will continue with these. Now on to confession time. My frugality has been HORRIBLE, can I say HORRIBLE. I've got to get on the gravy train to saving and spending wisely.