Frugal 2008
Printed From: OHbaby!
Category: General Chat
Forum Name: General Chat
Forum Description: For mums, dads, parents-to-be, grandparents, friends -- you name it! And you name the topic you want to chat about!
URL: https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=13241
Printed Date: 10 October 2025 at 5:04am
Software Version: Web Wiz Forums 12.05 - http://www.webwizforums.com
Topic: Frugal 2008
Posted By: nikkitheknitter
Subject: Frugal 2008
Date 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. |
Replies:
Posted By: mummy_becks
Date Posted: 28 December 2007 at 1:33pm
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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). ------------- I was a puree feeder, forward facing, cot sleeping, pram pushing kind of Mum... and my kids survived! |
Posted By: Sarah Beth
Date 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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Posted By: Paws
Date Posted: 28 December 2007 at 2:18pm
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Ohhhhh yeah think I need to join you guys too!!! ------------- http://lilypie.com"> 
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Posted By: mum2paris
Date 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... ------------- Janine and her 2 cool chicks, Paris & Ayja 
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Posted By: aimeejoy
Date Posted: 28 December 2007 at 2:24pm
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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.
------------- Aimee Hannah 22/10/05 Greer 11/02/08 |
Posted By: miss
Date 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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Posted By: nikkitheknitter
Date Posted: 28 December 2007 at 2:45pm
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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. http://www.sorted.org.nz - Sorted.org has great calculators and budgeting stuff. I've just spend the last hour on there. |
Posted By: mummy_becks
Date Posted: 28 December 2007 at 3:11pm
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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. ------------- I was a puree feeder, forward facing, cot sleeping, pram pushing kind of Mum... and my kids survived! |
Posted By: caliandjack
Date 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. ------------- http://lilypie.com" rel="nofollow">   [/url] Angel June 2012 |
Posted By: Paws
Date Posted: 28 December 2007 at 3:31pm
Sorted scares me!! It makes my budget look a lot worse that what I like to think it is...  ------------- http://lilypie.com">
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nikkiwhyte wrote:Posted By: nikkitheknitter
Date 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. |
Posted By: aimeejoy
Date Posted: 28 December 2007 at 4:39pm
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LOL Nikki! That sounds much more doable. BTW well done on the 6000th post ------------- Aimee Hannah 22/10/05 Greer 11/02/08 |
Posted By: Kels
Date Posted: 28 December 2007 at 4:39pm
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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
------------- http://lilypie.com"> 
Busy mum to Miss 15yrs, Miss 10yrs and Master 4yrs |
Posted By: kebakat
Date 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 |
Posted By: minik8e
Date Posted: 28 December 2007 at 5:40pm
| 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. |
Posted By: lizzle
Date Posted: 28 December 2007 at 5:56pm
| 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! |
Posted By: Bubbaloo
Date 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. ------------- http://lilypie.com" rel="nofollow">  Was danni-chick Mum to James My Angel 28/07/08 |
Posted By: peanut butter
Date Posted: 28 December 2007 at 10:33pm
| 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. |
Posted By: Kels
Date Posted: 28 December 2007 at 10:35pm
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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! ------------- http://lilypie.com">
Busy mum to Miss 15yrs, Miss 10yrs and Master 4yrs |
Posted By: BabyOnBoard
Date Posted: 28 December 2007 at 10:36pm
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Me too. Not in need of anything specific yet but love the look of my savings account increasing . . and something I need will eventually pop up ------------- http://lilypie.com">  
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Posted By: SMoody
Date Posted: 29 December 2007 at 8:38am
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It will be for us as well. More in the sense of sticking to the budget and not going overboard due to lots of visitors coming over.
Still need to get a few things for the house but that is all budgeted for. I will be so glad when my studying is over as that will be a lot of cash we can save then. Aaah still stupid 2 and a half years to go. ------------- http://lilypie.com"> 
http://lilypie.com"> 
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Posted By: .Mel
Date Posted: 29 December 2007 at 3:00pm
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We have just paid off our O/D and credit card and reduced the limit on the C/C too. The only thing left to pay off is our bed, and I think we owe about a grand on that. ------------- Mr Mellow (16) Miss Attitude (8) Destructa Kid (3) 
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Posted By: miss
Date Posted: 29 December 2007 at 4:23pm
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http://www.simplesavings.co.nz/ - This site has some really good tips in the free section. -------------
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Posted By: nikkitheknitter
Date Posted: 30 December 2007 at 1:48pm
Well done Mel! That's very impressive. I can pay off my credit card easily enough (as in psychologically) but I seriously struggle with the overdraft as I've 'reset' my $0 to the OD limit  Seriously need to alter my whole mentality.
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Posted By: emz
Date Posted: 30 December 2007 at 2:02pm
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That's exactly what I've done too. And seeing as I will start accumulating interest because I've finished my degree, we really need to look at paying it off. We could have this year but we bought a 3rd car as it works out cheaper to pay for 3 cars so he doesn't drive his gas-guzzling car out to camp everyday.
Next year my plan is to pay off the credit card (from our honeymoon in February), and my lounge suite which goes on to interest in May. If DH goes overseas for a few months, I will pay off the OD, buy a new TV for DH and demolish and redo my kitchen. I have a feeling I'm going to have to be very frugal to achieve all of that! |
Posted By: nikkitheknitter
Date Posted: 30 December 2007 at 2:09pm
Tell him to sell his gas-guzzling car 
(eeeek... I can almost feel the dirty looks from him for just suggesting it!) |
Posted By: miss
Date Posted: 30 December 2007 at 5:16pm
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I am so glad that DH isn't into cars! -------------
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Posted By: aimeejoy
Date Posted: 30 December 2007 at 8:47pm
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I've lost track of how many cars we have... ------------- Aimee Hannah 22/10/05 Greer 11/02/08 |
Posted By: nikkitheknitter
Date Posted: 30 December 2007 at 9:34pm
| Don't worry Aimee... I feel your pain, Gaz is the same. I just don't have to deal with the financial side of things! haha (Though my sis has gone the "if you can't beat 'em, join 'em" way.) |
Posted By: james
Date Posted: 31 December 2007 at 8:04am
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yep joining in here have to save for my hoiladay in perth in september and get my loan down as well getting there is going to be so much fun ------------- <a href="http://lilypie.com"><img src="http://b4.lilypie.com/nLJ5p13.png" alt="Lilypie 4th Birthday Ticker" border="0" /></a> |
Posted By: Mazzy
Date Posted: 31 December 2007 at 8:44am
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Well, we might be buying a new house so looks like 2008 will definitely be a frugal one for us. Putting in an offer today!
We've been good in previous years but 2007 got away on us. Our only debt is our mortgage, we pay off our tiny credit card limit each month and never buy on HP, but we haven't been saving well at all this year and spending heaps on impulse purchases and not really denying ourselves anything. I'd like to teach our kids better money habits than that. This year I would also like to set up a regular contribution to a couple of charities that we both would like to support, instead of giving to random causes that catch me on the street. I think it is important to allocate some income to charity, when possible. Nikki, I am a regular on sorted, it's a great site! Their budget calculators freak me out every time, good for putting spending into perspective  ------------- Mum to two gorgeous girls! |
Posted By: aimeejoy
Date Posted: 31 December 2007 at 8:46am
Me too I think you'd go nuts otherwise. Though I have put my foot down a few times as I refuse to end up with a section full of cars like my ILs (with the full support of my MIL!)------------- Aimee Hannah 22/10/05 Greer 11/02/08 |
Posted By: nikkitheknitter
Date Posted: 31 December 2007 at 2:36pm
| Haha You should see Gaz's Dad's place. hehehehe |
Posted By: emz
Date Posted: 31 December 2007 at 4:23pm
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Yeah, I have a father who usually has matching 4WD's (both for himself ), and 2 run around cars (one that looks nice, one that's not so great but is a station wagon so holds more stuff). Meanwhile, my mums had the same bluebird for 7 years and sometimes the radio, clock and windscreen wipers don't work. Dad refuses to buy her a new car though until she decides exactly what she wants and what colour (a silver audi was not what he had in mind though so still the bluebird runs...)
I figure 3 cars aren't too bad, and as for suggesting DH sell his gas-guzzling car.... I quite like him so I would prefer to stay married to him and for my son to have a father
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