| T O P I C R E V I E W |
| Alee |
Posted - Jun 10 2011 : 08:13:22 AM
That as fast as the paycheck come in- out it goes again?
Just feeling a bit burned out after a morning of paying bills! Phew!! It makes me even more glad that I have a garden to grow food in!
Alee
Farmgirl Sister #8
www.farmgirlalee.blogspot.com
www.allergyjourneys.blogspot.com
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| 19 L A T E S T R E P L I E S (Newest First) |
| henlady35904 |
Posted - Jun 14 2011 : 8:26:25 PM
Alee, not sure if I got your last email. Hope you and tala enjoy your saddle. Hopefully it will be there Friday. Thanks again. |
| Joey |
Posted - Jun 13 2011 : 10:51:19 AM
There's a paycheck? How can that be?-I never see it. LOL. Agree with everyone. When we moved here a year ago my husband put out over 40 resumes-not 1 reply. He is now a WONDERFUL house husband. As a nurse, I was unemployed for 3 months..I have never had trouble getting a job before. JUST paid off the $2000 we borrowed from my Dad. Grateful for what I have. I used envelopes in the early 70s too and just seemed to have more then. We're paycheck to paycheck too and don't even own a house, and can't put in a garden, but I am grateful that we finally got some health insurance in March..I feel a tiny bit safer. We do have cable but my husband LOVES the TV (despite my encouragement otherwise)so I figure we get our moneys worth and we don't go out much. Thinking about trying envelopes again. My parents were so much better with money than I am..guess it's not genetic. Joey
Well behaved women rarely make history. |
| homsteddinmom |
Posted - Jun 13 2011 : 07:05:08 AM
Yes i hate the paycheck to paycheck feeling. But i can say we have a roof over our heads, vehicles that run to get dh to work, a garden, chickens and goats. Where my money seems to go after bills is to feed the animals..lol. I only have 1 more year before my house is paid for so that is gonna help!
Homesteading Mom in East Texas. Raising chickens, Rabbits and goats here on my farm! |
| Alee |
Posted - Jun 11 2011 : 7:54:57 PM
Hi Kim-
I got your email- did you get my reply? I will get your items cleaned up and in the mail this week! :)
Alee
Farmgirl Sister #8
www.farmgirlalee.blogspot.com
www.allergyjourneys.blogspot.com
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| henlady35904 |
Posted - Jun 11 2011 : 7:39:35 PM
I agree with all you gals. Seems like my tank is always on E! Thankful and grateful for what I do have. Had the directv turned off 3 months ago, a savings of $64.99 a month and don't even miss it. I sure have caught up on a lot of knitting projects though. Lol. My precious momma, rest her soul, just a couple years ago said things were gonna get where families were going to have to move in together like in the past. I'm beginning to see her reasoning for this.
Alee, did you get my email? |
| Alee |
Posted - Jun 11 2011 : 05:17:00 AM
Kris- I agree. Not having enough makes it difficult. I am turning the gas off on our furnace today and turning the heat on the water heater a little bit. Mornings are still around 49 degrees here but I think an extra blanket on the bed will be fine- we don't need the heat anymore. Usually doing this makes our natural gas bill go from 60-70 dollars a month to around $15.
Alee
Farmgirl Sister #8
www.farmgirlalee.blogspot.com
www.allergyjourneys.blogspot.com
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| kristin sherrill |
Posted - Jun 10 2011 : 7:30:45 PM
Alee, it's like that every week lately. Very hard to pay bills when there is not enough. Some just have to wait.
Kris
Happiness is simple. |
| LucyLobo511 |
Posted - Jun 10 2011 : 7:25:31 PM
Feeling the same way. Paycheck to Paycheck. Complete blessing that husband has a job so I wont complain. Give it to God and He will make it all work out. I figure it took us years to get to this point so it will take awhile to straighten it out. We started a ledger in April and have been keeping track of everything it sure helps to see where everything is going and where we can cut back. We have gotten rid of the cell phones, my truck and a travel trailer just in the last few months. We are moving uphill. I too can not wait for the garden to start producing.
Insane and Blissfully Happy
Mari-lyn
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| FarmDream |
Posted - Jun 10 2011 : 6:53:26 PM
Mary Beth,
We do the Dave Ramsey method but we don't use envelopes. We're pretty disciplined with knowing we have 'x' amount each week and we know how much we spend in gas, typically, so we know how much we have to spend on food or extras. It's sound principles and doesn't work overnight, but it does work.
~FarmDream is Farmgirl Sister #3069
Live Today, Cherish Yesterday, Dream Tomorrow
http://naturaljulie.etsy.com
http://julie-rants.blogspot.com |
| Penny Wise |
Posted - Jun 10 2011 : 5:45:54 PM
quote:
Originally posted by Okie Farm Girl
Yep on all of your comments. And then I went to the grocery yesterday and saw the price of milk and just croaked. Time for a cow and some chickens. I am so thankful for my garden for sure!!
Have any of you all done Dave Ramsey's seminar or read any of Larry Burkett's books? We were floundring until we started doing the "envelope method" that these guys support. We don't use actual envelopes, but rather have virtual envelopes on computer. By putting a certain amount in each paycheck predetermined by how much is due each month in each category, paying bills has ceased to be the depressing chore that it was. The money is there to pay the bills, ready to go. I am given an allowance for groceries and if I run out, then I do without until the next allowance payment. Same with clothes, gas, etc. If it isn't in the "envelope" then I do without. We are actually saving money now in the "savings" envelope and it is incredible. Having lived paycheck to paycheck for a very long time, this concept has been a lifesaver for us.
Mary Beth
www.OklahomaPastryCloth.com
www.Oklahomapastrycloth.com/blog
The Sovereign Lord is my strength - Habakkuk 3:19
mary beth--my problem would be when the gasoline envelope was empty how would i explain to my college instructors that i couldn't come to class????seems all i have done is pay for the car/insurance/elec bill and gasoline....and clothing envelope???? what is that????
sorry-had to whine!!!!!!!!!! but i agree with the concepts! i used to actually do envelopes in the early 70's!
thank goodness commiserating is free!
Farmgirl # 2139
~*~ counting my pennies and biding my time; my dreams are adding up!~*~ |
| Bonnie Ellis |
Posted - Jun 10 2011 : 5:31:09 PM
At least you are able to get a paycheck. Retirement funds go fast. Count your blessings. Remember that happiness comes from within. God bless you girls.
grandmother and orphan farmgirl |
| Dusky Beauty |
Posted - Jun 10 2011 : 4:34:35 PM
I had to spend some of the paycheck that isn't even here for 7 more days this morning >_<
"After eating an entire bull, a mountain lion felt so good he started roaring. He kept it up until a hunter came along and shot him. The moral: When you're full of bull, keep your mouth shut.” ~Will Rogers |
| laurentany |
Posted - Jun 10 2011 : 12:07:45 PM
I can relate to all of this! Always more going out than coming in it seems and when there is "extra" something always pops up. Still as Y'all said- thankful for ALL that we DO have! Mary Beth I plan on looking into that envelope method- it sounds interesting. I get paid every 2 weeks so it always seems like everything is due in the same pacycheck! Lol
Thanks for sharing ladies!
~Laurie
"Little Hen House on the Island"
Farmgirl Sister#1403
Life is not measured by the number of breaths we take, but by the moments that take our breath away.. |
| Okie Farm Girl |
Posted - Jun 10 2011 : 11:01:47 AM
Yep on all of your comments. And then I went to the grocery yesterday and saw the price of milk and just croaked. Time for a cow and some chickens. I am so thankful for my garden for sure!!
Have any of you all done Dave Ramsey's seminar or read any of Larry Burkett's books? We were floundring until we started doing the "envelope method" that these guys support. We don't use actual envelopes, but rather have virtual envelopes on computer. By putting a certain amount in each paycheck predetermined by how much is due each month in each category, paying bills has ceased to be the depressing chore that it was. The money is there to pay the bills, ready to go. I am given an allowance for groceries and if I run out, then I do without until the next allowance payment. Same with clothes, gas, etc. If it isn't in the "envelope" then I do without. We are actually saving money now in the "savings" envelope and it is incredible. Having lived paycheck to paycheck for a very long time, this concept has been a lifesaver for us.
Mary Beth
www.OklahomaPastryCloth.com
www.Oklahomapastrycloth.com/blog
The Sovereign Lord is my strength - Habakkuk 3:19 |
| Simply Ann |
Posted - Jun 10 2011 : 10:05:09 AM
Feel the same way, and thankful for what I have, I know it can always be worse. I'm starting my count down till next pay day.
There is no set path, follow your heart stay the course. |
| Alee |
Posted - Jun 10 2011 : 09:40:18 AM
That is very true! I am grateful for the roof over my head and the food on my table. I am also grateful for good friends like you who can commiserate with me but also remind me of the other side of the coin! :)
Alee
Farmgirl Sister #8
www.farmgirlalee.blogspot.com
www.allergyjourneys.blogspot.com
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| gypsy goat |
Posted - Jun 10 2011 : 09:23:13 AM
yep! had to do the same thing this morning!
farmgirl#1362 whatever you are be a good one-abe lincoln |
| crafter |
Posted - Jun 10 2011 : 08:20:03 AM
Yes very thankful for a roof over our heads and food on the table- not much more than that. But lots of love to share!!
Lori |
| Blessed in Colorado |
Posted - Jun 10 2011 : 08:18:21 AM
I am with you Alee, I too am paying bills this morning and it just depresses me, more bills than money it seems.
Oh well, I am always thankful I have a roof over my head and food on the table.
Farmgirl Hugs,
Debbie
www.etsy.com/shop/CollectThisTreasures
http://debbielynnf.blogspot.com
http://myworld.ebay.com/debbt |
