Friday, August 29, 2008

Have a frugal weekend . . .

It's the weekend, we shall all rejoice. And a three day weekend, let's all do the happy dance. I can wait. . .

But for those who don't have a lot of disposable income, (like me) the weekend doesn't have to be boring. What can I do for free? Well, go to the park with my son. I could also exercise outside. Go for a run or walk or bike ride. Watch some movies at home with popcorn. Clean the house all day, every nook and cranny and air out your house also. It tends to get stuffy after a while.

This is a long weekend so let me tell you what I'll be doing. I am baking a pound cake and some banana bread. I wish I could sell my baked goods and make more money. I haven't figured out how to do that yet. But I digress, I am also having dinner with family. I have to take my truck in for service; a much needed task. So there goes my Saturday. Sunday, I am cleaning the house and watching some movies on DVD. Monday, I may visit family again, it doesn't cost a thing to spend quality time with loved ones.

And last but not least I have searched the house and put some things on eBay. We'll see how that goes.

Money saving tip:
Use coupons when shopping. And don't be afraid to use the store brand.

Thursday, August 28, 2008

Planning my work and working my plan

Since I am a single mother, I have to be home with my son every evening. Working a part-time job is out of the question. Working weekends is out of the question because, that's when I spend quality time with my son. After school there is dinner, homework, bath and bed (in that order). We have little time to do anything fun.

As I stated before I need to find ways to increase my income. The first thing I want to do is sell some things on eBay and craigslist. I have some clothes that no longer fit, shoes and purses I no longer use and even some jewelery that could fetch a pretty penny. I may have one or two televisions that could go also. I've heard of people that make a living selling things on eBay. But that's not what I am trying to do. I just want to unload some of my own unwanted things while making a tidy profit. One woman's trash is another woman's treasure and there's nothing wrong with that. I just need to pull everything out of their hiding places, photo, and get them up for sale.

Money saving tip:
Write down everything you buy for a week, even a pack of gum. Then you will see where your money goes and where you can cut back or cut out all together.

Tuesday, August 26, 2008

Why is it every time I use a credit card I feel like I'm the one being used?

I am a Single Mother in Debt. I have 3 credit cards and every time I pay them down, I end up using them for something. Even though I say, I'll pay it off in 2-3 months it never happens and I end up carring a balance from month to month. I swear every time it gets swiped, I can hear a crowd of people getting happy. Like the credit card people are excited I'm using it. Last year I chopped one up only to get "checks" in the mail. Oh yeah, that's the newest thing. They send you checks when they notice you haven't been using your card. It's like they know that you've cut it up. I used the checks to buy the things I 'needed' only to find I ran the balance up again.
Well, it's the end of August and I am right back where I was last August. The creditors aren't calling yet, but if I don't get my butt in gear they will be soon. I cannot blame once single incident that has caused this senerio. I just fell behind due to a combination of events. The gas prices went up, the cost of summer camp went up, the cost of school uniforms went up, the cost of food went up, do you see a pattern? The only thing that didn't go up was my paycheck. So I need to find ways to increase my income. I have a few ideas in mind and I hope they work out to my advantage. We shall see . . .