Tuesday, December 24, 2013

2014 The Year of Living Frugal, Simple, Smart, Intentional is getting nearer...............

am I ready?  Yep I am.  Are you ready?  Have you done anything to jumpstart?  I've kind of stockpiled a few items that I use every single day.  I will be going through stuff to purge all of that mess we have accumulated. 
Have you made out a budget?  On paper or perhaps in your head? Are you going on a spending freeze?  Will you be putting down as much as possible on debt, or split that between savings and debt?  Are you going to forego celebrating occasions such as birthdays, anniversaries, weddings?  Or will you scale down these celebrations? 

Today is my first of 3 days off.  Went out and got dh 3 gift cards.  Now we just get to relax.

Merry Christmas Eve

7 comments:

  1. Merry Christmas to you too Lee Ann!
    Just about done purging bunches of stuff from my life. I feel so much lighter emotionally and mentally.
    After all the 2013 bills are on I'll sit down and do a full blown accounting of what was spent where last year. Then I'll break it down into what the average per month was for each category. Then Hubs and I will have the "meeting" and go over all the numbers and see where we want to change things for 2014.
    I have a fairly frugal life already....not that we HAVE TO life this way but we WANT TO.
    It works for us and will get us to our ultimate goal of Hubs being able to retire when he hits 59. At least that's the current plan. We are in the home stretch. 8-)

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    1. I think we HAVE to live this way now if we want to have a decent life in retirement. I simply don't want to work forever. I don't expect to life like the rich and famous but I would like to not worry about costs. To do that we have to cut while we are working.

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  2. I have a goal of saving $12,000 in 2014. Not even sure if that's possible. But I'm going to try. I'm hoping to do it by cutting back on grocery spending, shopping and birthday celebrations. I have a habit of way over doing it for my kids', husbands and my own birthday. Not in gifts but in parties. Also I know I need to focus on budgeting for everything so that money doesn't fall through the cracks.

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    1. Wow! that is an outstanding goal. Saving $1000 a month is way too high for us however I could shoot for $500. That would be $6000 for the year in addition to saving for our vacation. My job requires we take 5 days off in a row. We typically go to the beach in June. It's hot so the water isn't too cold and the rates are a bit cheaper than July and August.
      I can totally relate to money falling through the cracks!! That is something I have to work on myself.

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  3. We are moving into a time of higher fixed costs because of an increase in daycare costs. We have a budget and and will be cutting back on grocery and shopping costs. We would like to pay off my car and increase our savings.

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    1. We paid off the car a few months back. I need to figure out a good amount to spend on groceries for 2 adults. Too little and we will be eating mac and cheese. Too much and well it's too much. I need an amount that allows us to have tasty meals at a good value.

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  4. Just want to make sure I can make it in 2014. May be able to save $50 but count your blessing! But plan on doing wonderful and practically free activities with my family, like camping, playing more games, couponing and practicing the spending envelope theory. Happy New Year!!!

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