Every morning I write Ethan’s name all over his bottles. You would think the Kid would know his name by now, but it really is to help the daycare ladies. This morning I thought it would be funny to write his nicknames all over them. The ladies at daycare thought it was fun and appreciated this mom just trying to shake things up. I did put his real name on the bottom just in case dss wanted to stop by.
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so sad but it was a great week! #{ 0 comments }
I work in the financial industry and I cannot help but wonder about ours. We recently pulled ours and were not so happy with the outcome.
It’s another incentive to work harder and pay off our balances. I like most of what Dave says but he says you don’t need a fico score.
His reasoning is that you don’t need a score since you won’t be borrowing money. I agree with this statement however, if I had had bad credit when I got my job I would possibly have not gotten it.
I think our goal should be to get everything paid off and watch our score go back up. In order to keep our credit we might have to consider having a LOC at our credit union or a credit card that we have to pay off at the end of every month.
Wouldn’t that be a great feeling to pay off our credit card every month? We can’t wait to get there.
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The Obamas are making some headway on revamping their yard this spring.
They are hoping to provide organic foods for their family meals and some formal dinners. Hopefully, this will help spark more American families to get out there and start small gardens themselves. Our Tomatoes are growing so fast I don’t know if we are going to be able to eat them all. If not we can always give the extras to our friends and family.
http://www.nytimes.com/2009/03/20/dining/20garden.html
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I found this really neat article on CNN!
It’s good that we found each other because we would be a tightwad’s worst nightmare. Since we have started on a cash only system it has made us more of a tightwad family. Frugality would not be a word that openly describes us but we are trying to be more careful with our money.
An example of our new tightwadness would be that I used to love going to McDonald’s every other morning to get an Iced Vanilla Coffee. I still love these addicting drinks but with cash in my pocket its harder to buy. This morning for example I realized I only have around $50 to get us through the next week and a half so treating myself to a coffee was not an option. This would never have happened if we were still using our credit cards.
Advice to Spendthrifts and Tightwads, chill out on both sides. Spendthrifts like myself, our advice would be to start using a cash system and freeze your credit cards. You will eventually start having Tightwad tendencies. Another big way to encourage tightwadness would be to see your debt get paid off faster and faster. We started paying off our personal loan and every penny we had extra went towards paying it off with a 10.25% interest rate. We got competitive about how much we could put towards it each month.
For Tightwads realize that having money it the bank does not always buy happiness. I can’t wait for our goal to not be paying off debt but putting money towards saving. I had a daydream the other day about us taking the extra we had each month and socking it away in a high-interest savings account. However, when we do have money we are still going to want to go out to eat and enjoy vacations.
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