In case anyone notices the new look I was mainly trying to change the size of the font. I was looking at this blog late at night and the type looked way too small.
Have a great day!
Thursday, March 13, 2008
Wednesday, March 12, 2008
How to Save for a future expense
We have three large expenses that we are saving for each year.
1 and 2) two tuitions each year
3) pool membership
4) we should also be saving for gymnastics since that is about $900 during the school year
We have a separate savings account that we make automatic payments to on a weekly basis. If we did this manually there is the chance for user error, I forget to make the transfer or the funds are already spent.
Currently we transfer $90 per week to the savings account. Starting in 2009, this will change to $120 per week.
The trick here is that we are using current paychecks to make these future payments without having to dip into any additional savings.
1 and 2) two tuitions each year
3) pool membership
4) we should also be saving for gymnastics since that is about $900 during the school year
We have a separate savings account that we make automatic payments to on a weekly basis. If we did this manually there is the chance for user error, I forget to make the transfer or the funds are already spent.
Currently we transfer $90 per week to the savings account. Starting in 2009, this will change to $120 per week.
The trick here is that we are using current paychecks to make these future payments without having to dip into any additional savings.
No Credit Needed
No Credit Needed has complied a list of personal finance bloggers best tips on frugality, saving at home and personal finance. There are over 40 tips included.
Pool Expenses -Does the wording make a difference
Our pool membership dues are due before May 1. If we pay on or after May 1 there is a penalty. My husband mentioned that people will forgo a discount but do not want to pay a penalty. Does the wording make that much of a difference?
For example: pool membership dues that cost $1,000 and are discounted to $900 if you pay before a certain date is the same as $900 with a $100 penalty if paid after a certain date.
They also have another way to get your money even earlier. If you pay by March 15 you will rec. 5 guest passes for free.
Wait there is more. You can prepay for guest passes, 5 for $20 rather than 5 for $25 later.
For example: pool membership dues that cost $1,000 and are discounted to $900 if you pay before a certain date is the same as $900 with a $100 penalty if paid after a certain date.
They also have another way to get your money even earlier. If you pay by March 15 you will rec. 5 guest passes for free.
Wait there is more. You can prepay for guest passes, 5 for $20 rather than 5 for $25 later.
Firsts
Here are some of my daughter's firsts.
Dec. 27, 2007 -sat up on her changing table
Feb. 21, 2008 -crawled from the livingroom to the end of the diningroom
March 5 or March 7, 2008 -clapped
March 13, 2008 -1st tooth appeared on the bottom; 2nd tooth towards the end of the month
March 16, 2008 -crawled on hands and knees alittle
March 30, 2008 -said duck when we gave her a duck at church
April 1, 2008 -can try to get up without assistance but is not able to stand yet, getting there; has been crawling more on hands and knees
April 19, 2008 -top two teeth appeared; has been standing on one foot and kneeling on the other leg for awhile; stood holding onto the couch today; has also stood holding on to other items; no cruising yet; does not like the feel of grass on her feet or legs;
May 14, 2008 -crawled up the stairs
May 18, 2008 -stood by herself; said duckie when she picked up a duck off the floor
Dec. 27, 2007 -sat up on her changing table
Feb. 21, 2008 -crawled from the livingroom to the end of the diningroom
March 5 or March 7, 2008 -clapped
March 13, 2008 -1st tooth appeared on the bottom; 2nd tooth towards the end of the month
March 16, 2008 -crawled on hands and knees alittle
March 30, 2008 -said duck when we gave her a duck at church
April 1, 2008 -can try to get up without assistance but is not able to stand yet, getting there; has been crawling more on hands and knees
April 19, 2008 -top two teeth appeared; has been standing on one foot and kneeling on the other leg for awhile; stood holding onto the couch today; has also stood holding on to other items; no cruising yet; does not like the feel of grass on her feet or legs;
May 14, 2008 -crawled up the stairs
May 18, 2008 -stood by herself; said duckie when she picked up a duck off the floor
Congratulations to Life in the Hundred Acre Wood
Congratulations to Anjali and Brian on their new addition!
Life in the Hundred Acre Wood.
Life in the Hundred Acre Wood.
Tuesday, March 11, 2008
Here is the list of future hosts for the Carnival of Debt Reduction:
Mar 17, 2008 Ask Mr Credit Card
Mar 24, 2008 Debt Reduction Formula
Mar 31, 2008 Motherhood101Aplus
Apr 07, 2008 RealWorldReally.com
Apr 14, 2008 No Debt Plan
Mar 24, 2008 Debt Reduction Formula
Mar 31, 2008 Motherhood101Aplus
Apr 07, 2008 RealWorldReally.com
Apr 14, 2008 No Debt Plan
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