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Broke as a joke

June 19th, 2006 at 11:46 am

I figure thats about accurate for now. We just moved a few weeks ago, and used all of our meager savings to do so. BTW, deposits SUCK! We are both working now, which is definitely a good thing, but trying to get on our feet is rough. I started re-reading The Complete Tightwad Gazette (again), and that just got me all motivated. We want to buy the house we are currently living in, and are contracted to do so, with a downpayment of $3,000 being due September 1st. My fiancee isnt real serious about the saving money thing, he is in spirit, but the reality isnt quite there. He says, I want to get this, and this, and this, and this...and I'm like..wait! we dont need to buy that now!!! He will listen to an extent, but I'm trying to get him to read that book, and the forums with me, to try and get his head in the right place.

Ok, so anyway, right now we have $56 in checking, $5 in savings. I opened an ING account this weekend so I can start putting money away there. I've been tracking all of my coupon savings, and after talking it over with B (my fiancee), we decided that 10% of all coupon savings, all rebate checks, etc. will be deposited in this account, along with whatever else we can do. I'm cruising the site, trying to figure out how to navigate, as well as what the heck the $20 challenge is, and I'm learning alot along the way.

I'm 26 years old, and I'm finally learning how to become an adult financially. YA ME!!!!!

Posted in Uncategorized | 4 Comments »

4 Responses to “Broke as a joke”

  1. yummy64 Says:
    June 19th, 2006 at 12:48 pm 1150721339
    1150721339

    Sending you savings vibes!

    I think you should be so proud of yourself for working on getting on track at 26. If only.. (sorry went off into a daydream if I had done that better).

    One of the things that helps me with savings is asking whenever I go to buy something is "is that a need or a want?". Its amazing what is a want and not a need. I need food for breakfast. I don't need pretty matching new teatowels no matter how well priced they are, what a sale they are on and what a perfect shade they are! Silly example, sorry!

    Sending you vibes for a low spend week!

  2. ima saver Says:
    June 19th, 2006 at 01:09 pm 1150722567
    1150722567

    The challenge is to start with $20 and try and make it to $5000. I take everything I save at the grocery store using coupons and my store cards and add it to my $20 challenge money. I do that at every store.Try that, it will add up much faster.

  3. mschluckbier Says:
    June 19th, 2006 at 01:17 pm 1150723024
    1150723024

    Ima...That was actually my original plan, but then I went and got $1,100 worth of granola bars for free after coupons and sales (these were mostly donated to various areas, and those not kept for personal use will be sold). I couldn't exactly put that kind of money in savings, considering thats probably more than my net worth at the moment lol. I figure 10% will be good, my average savings with coupons is around $2-$3K a month. Also, anything that I sell whether it be on ebay, cheapcycle, etc. regardless of value, the money will be put away. And btw, thanks for explaining that to me, I think I need to do it!! Will talk to fiancee and see what he thinks, if he agrees, we'll start friday (payday) and round up whatever we can every day!

  4. annab Says:
    June 19th, 2006 at 06:22 pm 1150741369
    1150741369

    You have really great goals! Good luck-- you can do it!!!

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