My Debt Free Life: February 2009


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Sunday, February 22, 2009
Cheap Meals
By Lynn Forgy

Here are some ideas for really cheap meals:

1) Chili (if you put it in the crockpot to cook, you can save some money on your electricity bill)
- 2 cans of beans ($1.00)
- 1 can tomato paste ($.35)
- 1 packet chili seasoning ($.40)
TOTAL: $1.75

2) Vegetable soup (again, put it in the crockpot)
- 1 can mixed vegetables ($.50)
- leftover vegetables if you have any (if not, use 1 or 2 potatoes, a can of green beans or other beans, etc.) (approximately $.50)
- chicken bouillon ($.25)
TOTAL: $1.25

3) Corn chowder (in the crockpot)
- 2 potatoes ($.50)
- 1 can creamed corn ($.50)
- 1 can corn ($.50)
- Milk (I use the powdered milk and water it down somewhat) (approximate cost $.50)
- Chicken bouillon ($.50)
TOTAL: $2.50

4) Veggies & Rice (steam the vegetables, and put the rice in the microwave to lower electricity costs)
- 1 bag frozen veggies ($1.00)
- Rice (approximately $.50)
- Soy sauce ($.25)
TOTAL: $1.75



**Got any ideas for cheap meals? Email me to add yours to the list!
Thursday, February 19, 2009
GRRRR....
By Lynn Forgy

I'm sure some of you can understand my frustration - whenever I think I might be just a little bit ahead, WHAM - some unexpected expense smacks me in the face!

A brief summary - I did my taxes, and thought I would get a nice refund to pay off my student loan debt and then put half of the remaindert in my 3-6 month emergency fund and the other half towards my upcoming dental surgery.

So what happened? First, I got a bill from my daughter's dentist. $312 remaining from what the insurance wouldn't pay. OK, so I thought that wasn't too bad. I can handle $312. I just made the little deduction in my notebook.

And then? I got ANOTHER bill from my daughter's periodontist. Apparently, the insurance didn't want to pay for that consultation either (I think she had actually reached her limit for the year and I wasn't aware of it - long story, but that's the gist). Another $110.

So I made another deduction. And another, and another...

What was I left with?

Well, I had enough to pay off my student loan (Yeah!! Finally). And I'll be able to pay the aforementioned dental bills ($422). And I'll be able to pay back one-half of what I owe to a family member that fronted me the money for my daughter's root canal.

So instead of being finished with Baby Step 2 (my original plan), I am still stuck here, and with the following debts:

$600 - remaining payment for root canal
$3050 - dental surgery (mine)

Sometimes I just feel like giving up - except I know I wouldn't be any better off, particularly since I performed surgery on my credit cards. Grrrr...

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Tuesday, February 10, 2009
Frugal Friday Tip
By Lynn Forgy

My aunt gave me a tip about saving money on the heating bill - remove the hose hooked up to your dryer vent, cover it with a sock, and let the heat enter the house rather than venting outside.