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nikkitheknitter 
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Joined: 01 January 1900
Location: Westie
Points: 7556
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 Topic: Frugal 2008
Posted: 28 December 2007 at 1:12pm |
This is the year of paying off student debt for me (and holiday debt   )
So... anyone joining me?
I'm just about to do up a budget on a spreadsheet and am going to start operating in cash as I tend to use my card in a "spend 'til it stops" fashion.
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mummy_becks
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Joined: 01 January 1900
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Posted: 28 December 2007 at 1:33pm |
Yep me too. I'm saving for our holiday in June next year so for the first 6 months I want to save as much as I can so me and the boys can have a great time away.
I think not having DH in the house will cut down our grocery bill so that will be a good start (wishful thinking; it'll take me a few shops to get used to him not being here and not buying so much meat).
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I was a puree feeder, forward facing, cot sleeping, pram pushing kind of Mum... and my kids survived!
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Sarah Beth
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Points: 2405
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Posted: 28 December 2007 at 2:17pm |
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paying off debt for me too, and weight loss - two thousand and 8 the year to get to size 8 (ok maybe not, but was catchier than size 12!)
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Paws
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Location: Auckland
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Posted: 28 December 2007 at 2:18pm |
Ohhhhh yeah think I need to join you guys too!!!
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mum2paris
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Location: Palmy
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Posted: 28 December 2007 at 2:24pm |
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oh this year is definately that for us.. we have a wedding to ACTUALLY get on and save for this year, lol...
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Janine and her 2 cool chicks, Paris & Ayja
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aimeejoy
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Location: Dannevirke
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Posted: 28 December 2007 at 2:24pm |
I dont think I have much choice now that I've finished working! Will definitely be frugal 2008 for us on the one wage again Am liking the cash idea Nikki.
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Aimee
Hannah 22/10/05
Greer 11/02/08
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miss
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Location: New Zealand
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Posted: 28 December 2007 at 2:44pm |
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Trying to stay at home and not have to go back part time till at least mid year, so frugal 2008 here too!
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nikkitheknitter
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Location: Westie
Points: 7556
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Posted: 28 December 2007 at 2:45pm |
Eeeeeek. Just did my budget. It seems I have $14.00 to spare once I factor everything in.
So I guess $14.00 is my pocket money! 
P.S. Sorted.org has great calculators and budgeting stuff. I've just spend the last hour on there.
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mummy_becks
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Posted: 28 December 2007 at 3:11pm |
I'm too scared to do a budget just yet. I'm going to wait till I know exactly how much DH will be sending to me each week.
I'm going to put the money I get from SL straight onto the credit card for the 1st semester so that will be there waiting for me when we go overseas.
I know I shouldn't count on it but we will be getting a huge refund from IRD as I way over estimated DH's income for this financial year so that refund will go a long way with bills.
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I was a puree feeder, forward facing, cot sleeping, pram pushing kind of Mum... and my kids survived!
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caliandjack
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Joined: 10 March 2007
Location: West Auckland
Points: 12487
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Posted: 28 December 2007 at 3:13pm |
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We're finally getting married in March, then saving like crazy for overseas trip and babymaking in 09.
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  [/url] Angel June 2012
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Paws
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Posted: 28 December 2007 at 3:31pm |
 nikkiwhyte wrote:
P.S. Sorted.org has great calculators and budgeting stuff. I've just spend the last hour on there. |
Sorted scares me!! It makes my budget look a lot worse that what I like to think it is... 
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nikkitheknitter
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Posted: 28 December 2007 at 4:37pm |
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Ahhhhhhhhh I totally stuffed up my budget. hahaha
I'd calculated the fortnightly childcare amount as weekly. Yay... $147.50 instead of $14.00 left over. MUCH better.
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aimeejoy
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Posted: 28 December 2007 at 4:39pm |
LOL Nikki! That sounds much more doable. BTW well done on the 6000th post
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Aimee
Hannah 22/10/05
Greer 11/02/08
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Kels
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Location: Lower Hutt
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Posted: 28 December 2007 at 4:39pm |
I am definitely signing up to this club. My daughter is starting college in 2009 and her uniform alone is enough to make my eyes water
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Busy mum to Miss 15yrs, Miss 10yrs and Master 4yrs
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kebakat
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Posted: 28 December 2007 at 4:49pm |
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We have lots to save for.. but it's all possible..
I've gotta loose weight, save money on our grocery bill (DH 's job now that hes kinda obsessed with his vege garden), holiday in aussie (mostly saved for anyway, only needa save for spending money) and then prolly get preggers again.. eek
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minik8e
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Posted: 28 December 2007 at 5:40pm |
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I will be having a frugal 2008 - I hope!!! The plan is to buy a house at the end of the year, so it's saving like mad to get a deposit.
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lizzle
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Posted: 28 December 2007 at 5:56pm |
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we have no choice as every year is frugal! But hopefully now I've finished i can get a ful-time job and we can start saving! Just got my scholarship which 90% of has gone on bills. And could possibly have $5000 inheritence by the end of the year, but am not counting on it now - not after last time. but we are hoping to pay off some student loan (hahaha - our loan is like a mortgage), and save some for a house. Would love a holiday overseas (have family in perth)m, but can't see that happening. oh well - will continue to be budget!
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Bubbaloo
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Posted: 28 December 2007 at 9:48pm |
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Us to as we need to get a new car and save some money as well.
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 Was danni-chick Mum to James My Angel 28/07/08
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peanut butter
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Posted: 28 December 2007 at 10:33pm |
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yep us too. I dont want to go back to work and we want to have another baby soon. I also think we spend way more than we really need to and want to get into good habits to pass on to kids.
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Kels
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Posted: 28 December 2007 at 10:35pm |
Im with you Lizzle, every year is frugal for me BUT since starting work and having extra money I have been wasting it on cafes and things for the kids they really dont need. Ekkk my creditcards are needing a bit of attention too as they are a mess!
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Busy mum to Miss 15yrs, Miss 10yrs and Master 4yrs
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Frugal 2008
