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UPDATED JAN. 2011:
Baby Emergency Fund $1,000 - Completed December 2010


Personal Loan: $1,400

Credit Card #1: $1,697

Credit Card #2: $800






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Sunday, January 23, 2011
There is Nothing New...
There is Nothing New Under the Sun

By Lynn Forgy

Does the fact that there is nothing new under the sun ever cross your mind? Nothing that is being done has never not been done before (or something like that).

Ideas for increasing income, decreasing expenses, ways to save, ways to earn - I search, Google, and scour the internet and other reading material, only to find the same old, same old everywhere. If you've tried cutting expenses, and used all or most of the ideas you've read or heard about, what is left???

Cutting expenses to the bare bones is one thing, but chipping away at that bone is another matter.

Basic Ideas for Cutting Expenses:

1) Electricity
* Use fluorescent light bulbs
* Don't use the oven to cook - instead, try using an electric skillet or, better yet, a crockpot

2) Water:
* "Reuse" shower/bath water - place a bucket in your shower to catch all that water that's flowing down the drain and use it to fill up the washer when you're washing clothes

3) Heating/Cooling
* Set your thermostat to a lower temperature in the winter and add an extra layer of clothing; in the summer, turn it up and drink lots of cold drinks :)

4) Food
* Make a list of meals and their ingredients prior to going to the grocery. Stick to the list
* Use coupons and research the ads - this can easily be done online

5) Clothing
* Visit your local thrift store
* Buy new clothing after the season ends (I bought 3 new pair of jeans from Old Navy in October for $4 each!!! That's $1.89 cheaper than my local Goodwill)


Beyond the Basics:

1) Unplug ALL appliances not currently in use
2) Cancel your cable/satellite subscription - why not watch your favorite shows online? Many television stations offer some episodes online, and Netflix is a lot cheaper than cable
3) 76 the landline - I've used my cell phone exclusively for years, and haven't missed my landline yet :)

Do you have any wacky, different, unique, or creative ways to save on expenses? I'd love to hear them!

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