Comments on: November – Here’s How Much We Made and Here’s Where it All Went http://www.bloggingawaydebt.com/2006/12/november-heres-how-much-we-made-and-heres-where-it-all-went/ Our Journey to a Debt-Free Life Mon, 13 Feb 2012 00:10:21 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Tricia http://www.bloggingawaydebt.com/2006/12/november-heres-how-much-we-made-and-heres-where-it-all-went/comment-page-1/#comment-6391 Tricia Sun, 14 Jan 2007 16:14:15 +0000 http://www.bloggingawaydebt.com/2006/12/november-heres-how-much-we-made-and-heres-where-it-all-went/#comment-6391 Unfortunately, I cannot cut our internet. I need the high speed connection for working from home. But you are right, there are some things that I can cut down on. Yesterday I went to Walmart and purchased a programmable thermostat. I hope that will help to cut our heating bill. I also will be getting some power strips so we can cut power to appliances that still draw power when turned off. I also plan on looking at phone service that goes through our DSL connection. We also really need to try to cut our dining expenses. Unfortunately, I cannot cut our internet. I need the high speed connection for working from home. But you are right, there are some things that I can cut down on.

Yesterday I went to Walmart and purchased a programmable thermostat. I hope that will help to cut our heating bill. I also will be getting some power strips so we can cut power to appliances that still draw power when turned off. I also plan on looking at phone service that goes through our DSL connection. We also really need to try to cut our dining expenses.

]]> By: reggie http://www.bloggingawaydebt.com/2006/12/november-heres-how-much-we-made-and-heres-where-it-all-went/comment-page-1/#comment-6386 reggie Sun, 14 Jan 2007 15:06:51 +0000 http://www.bloggingawaydebt.com/2006/12/november-heres-how-much-we-made-and-heres-where-it-all-went/#comment-6386 Hi Tricia.. Maybe it's time for process of elimination, in order to start that emergency funds.. The above list has a few things are that falls on under the "I want" list and the the "I need" list.. think about it i did that also, i mean i'm an internet freak, one of my highest bills, top of the line conecction, love Mc's but after talking with the experts, i gived in.. Sometimes it hurts to cut back on the "I WANTS" but after a year or so, and and the savings are seeing, the feeling is good. Cut the internet from top of the line to something smaller, less days at the Mc. funds saved, going towards the emergency funds... Hi Tricia..

Maybe it’s time for process of elimination, in order to start that emergency funds..

The above list has a few things are that falls on under the “I want” list and the the “I need” list..

think about it

i did that also,
i mean i’m an internet freak, one of my highest bills, top of the line conecction, love Mc’s but after talking with the experts, i gived in..

Sometimes it hurts to cut back on the “I WANTS” but after a year or so, and and the savings are seeing, the feeling is good.

Cut the internet from top of the line to something smaller, less days at the Mc.
funds saved, going towards the emergency funds…

]]> By: Tricia http://www.bloggingawaydebt.com/2006/12/november-heres-how-much-we-made-and-heres-where-it-all-went/comment-page-1/#comment-5228 Tricia Fri, 22 Dec 2006 04:45:20 +0000 http://www.bloggingawaydebt.com/2006/12/november-heres-how-much-we-made-and-heres-where-it-all-went/#comment-5228 Hi Kim - I work at home and my husband works a mile away from home. Most of the driving is done when we "go to town" on the weekends to go shopping. We also have our Toyota Echo and that gets over 35mpg. Our home is 1,100 square feet and it's rock solid. It's an old home, but they knew how to make homes back then to withstand the cold weather. It also has blown-in insulation (done a few years before we bought it). Probably the biggest reason our heating bill is low is because we heat the home at 65 -66 degrees during the day and we turn it down to around 58-60 at night. I also waited as long as I could before we turned our heat on this year. Our highest monthly bill last year was $157.00. We had our heat even lower last year. But with the cost of gas lower this year, I hope that our overall costs will be lower this winter. Hi Kim – I work at home and my husband works a mile away from home. Most of the driving is done when we “go to town” on the weekends to go shopping. We also have our Toyota Echo and that gets over 35mpg.

Our home is 1,100 square feet and it’s rock solid. It’s an old home, but they knew how to make homes back then to withstand the cold weather. It also has blown-in insulation (done a few years before we bought it). Probably the biggest reason our heating bill is low is because we heat the home at 65 -66 degrees during the day and we turn it down to around 58-60 at night. I also waited as long as I could before we turned our heat on this year.

Our highest monthly bill last year was $157.00. We had our heat even lower last year. But with the cost of gas lower this year, I hope that our overall costs will be lower this winter.

]]> By: kim http://www.bloggingawaydebt.com/2006/12/november-heres-how-much-we-made-and-heres-where-it-all-went/comment-page-1/#comment-5225 kim Fri, 22 Dec 2006 03:44:49 +0000 http://www.bloggingawaydebt.com/2006/12/november-heres-how-much-we-made-and-heres-where-it-all-went/#comment-5225 how close do you live to work? my husband and i are only each about 10 minutes away from work and our auto fuel monthly expense is around $200.00 a month. i run the errands on the way to or from work also. also how is your gas utlility bill so low? I have already had a $200.00 bill in ohio. how close do you live to work? my husband and i are only each about 10 minutes away from work and our auto fuel monthly expense is around $200.00 a month. i run the errands on the way to or from work also.
also how is your gas utlility bill so low? I have already had a $200.00 bill in ohio.

]]> By: Tricia http://www.bloggingawaydebt.com/2006/12/november-heres-how-much-we-made-and-heres-where-it-all-went/comment-page-1/#comment-5182 Tricia Thu, 21 Dec 2006 04:26:59 +0000 http://www.bloggingawaydebt.com/2006/12/november-heres-how-much-we-made-and-heres-where-it-all-went/#comment-5182 Bryan- I do have a mortgage payment of $327/month. Some of that goes to escrow (around $80), ~ $30 goes towards principal, and the rest goes to interest. The interest is included in the report under interest expense. I think I will try to include more information in my reports so everyone can get a better idea of cash flow. MOMM - to be honest, we do not eat that well. Hamburger helper for $1.00?...load up the cart. We do not buy fruit that often and vegetables are not even on the menu (except for canned corn). We are trying to get better with buying healthier foods, but it's hard because they do cost more. I think starting with the new year we may be revising our grocery spending and perhaps spending a little bit more. I would like to try to make menus and sticking to them. I used to save a lot of money by doing that. Bryan- I do have a mortgage payment of $327/month. Some of that goes to escrow (around $80), ~ $30 goes towards principal, and the rest goes to interest. The interest is included in the report under interest expense. I think I will try to include more information in my reports so everyone can get a better idea of cash flow.

MOMM – to be honest, we do not eat that well. Hamburger helper for $1.00?…load up the cart. We do not buy fruit that often and vegetables are not even on the menu (except for canned corn). We are trying to get better with buying healthier foods, but it’s hard because they do cost more. I think starting with the new year we may be revising our grocery spending and perhaps spending a little bit more. I would like to try to make menus and sticking to them. I used to save a lot of money by doing that.

]]> By: MOMM http://www.bloggingawaydebt.com/2006/12/november-heres-how-much-we-made-and-heres-where-it-all-went/comment-page-1/#comment-5178 MOMM Thu, 21 Dec 2006 04:14:56 +0000 http://www.bloggingawaydebt.com/2006/12/november-heres-how-much-we-made-and-heres-where-it-all-went/#comment-5178 I have to ask - how do you only spend $300 on groceries?? We shop at the commissary (military family and we don't pay taxes there though we do pay a surcharge of 5%) and our bill is at least twice that every month, at least. Oh and that is strictly groceries, not eating out (which is rare, but still). I have to ask – how do you only spend $300 on groceries?? We shop at the commissary (military family and we don’t pay taxes there though we do pay a surcharge of 5%) and our bill is at least twice that every month, at least. Oh and that is strictly groceries, not eating out (which is rare, but still).

]]> By: Bryan C. Fleming http://www.bloggingawaydebt.com/2006/12/november-heres-how-much-we-made-and-heres-where-it-all-went/comment-page-1/#comment-5169 Bryan C. Fleming Wed, 20 Dec 2006 22:54:33 +0000 http://www.bloggingawaydebt.com/2006/12/november-heres-how-much-we-made-and-heres-where-it-all-went/#comment-5169 Tricia, Maybe I'm missing something, but do you have a housepayment? Rent? - Bryan http://www.BryanCFleming.com Tricia,

Maybe I’m missing something, but do you have a housepayment? Rent?

- Bryan
http://www.BryanCFleming.com

]]> By: Matt http://www.bloggingawaydebt.com/2006/12/november-heres-how-much-we-made-and-heres-where-it-all-went/comment-page-1/#comment-5162 Matt Wed, 20 Dec 2006 20:25:38 +0000 http://www.bloggingawaydebt.com/2006/12/november-heres-how-much-we-made-and-heres-where-it-all-went/#comment-5162 You spent less than you made, so even if you've got more expenses than you were expecting you're still making headway. You spent less than you made, so even if you’ve got more expenses than you were expecting you’re still making headway.

]]> By: Maria http://www.bloggingawaydebt.com/2006/12/november-heres-how-much-we-made-and-heres-where-it-all-went/comment-page-1/#comment-5159 Maria Wed, 20 Dec 2006 17:35:18 +0000 http://www.bloggingawaydebt.com/2006/12/november-heres-how-much-we-made-and-heres-where-it-all-went/#comment-5159 It looks really good, even with the drop in income, you managed to stay under. You should be very proud of that. I also noticed the reduction in bank fees. Great job! It looks really good, even with the drop in income, you managed to stay under. You should be very proud of that. I also noticed the reduction in bank fees. Great job!

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