Author Archives: janet

Back to school shopping

Today’s thrifty tip: Back-to-school shopping–don’t.  When I was a child, my Mom never took me back-to-school shopping.  We didn’t have much money to spare, and my Mom’s philosophy was that you didn’t go shopping until you needed something.  I’ve applied … Continue reading

Posted in August 2010, Thrifty Tips | Tagged , | Leave a comment

Next step completed

Today I checked another item off my to-do list.  This was a “biggie”.  I finally got all of our documents together and faxed our loan modification application.  All 58 pages.  It only took half an hour to send the fax.  … Continue reading

Posted in August 2010 | Tagged , | Leave a comment

Customer Service

One of my errands today was to deposit enough in the checking account to cover the automatic equity line payment withdrawal.  I really dislike going to “C” bank, but I go because I need to make the deposit.  Today was … Continue reading

Posted in August 2010 | Tagged , | Leave a comment

Creative Vultures

As soon as I saw the car driving slowly down the street with two woman inside, I knew, I just knew what was coming.  The kids and I were getting into our car and I saw the sedan come down … Continue reading

Posted in August 2010 | Tagged , , | Leave a comment

More grocery store strategies

My latest money saving strategy for the grocery store…DON’T BUY JUNK FOOD!  We have enough in the house already ranging from sugary cereals to popcorn to leftover Easter Candy.  I’ve decided that if we’re hungry for something sugary, we can … Continue reading

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Telling a friend

Yesterday, I finally told my best friend that Ed and I were having financial difficulties and are applying for a loan mod.  I felt it was about time.  Especially since they are having trouble making ends meet, too.  We’ll be … Continue reading

Posted in August 2010 | Tagged , | Leave a comment

The Thriftiest Family – update

I watched Oprah yesterday.  Yes, I had watched the episode before and remembered most of it.  Suggestions including, going through your monthly bills to see what you can eliminate, and cooking at home instead of going out to dinner.  One … Continue reading

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The Thriftiest Family

Tomorrow/Thursday I plan on watching Oprah and seeing The Thriftiest Family in America.  I’m sure I’ve seen this episode, but I’m always open to seeing new ways to save money.

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Credit Card Debt

In preparation for our meeting with the credit counselor, I’ve been collecting our financial information.  Our mortgage statements, equity line statement, and credit card statements.  We owe a lot of money.  With the increase in our mortgage, the payment has … Continue reading

Posted in July 2010 | Tagged , | Leave a comment

Debt Relief

I called the credit counselor referral that my college/realtor friend had told us about on Saturday.  We have an appointment with him to discuss debt relief and credit counseling.  We owe a lot on our credit cards.  Over $50,000.  I … Continue reading

Posted in July 2010 | Tagged , | Leave a comment