Christy's home budgeting & personal finance

Nickname: Christy           Budgeting Since: 08/01/2010 Budeting tips, how Christy is saving money: --Create a sound detailed budget. --Become more disciplined and hold self accountable. --Educate myself (Budgeting best practices and Understanding Financial Planning) The most stupid spending on Christy personal budget: Cigarettes and eating out Christy Money Saving Tips: Candy: renting movies... Christy: Have you tried Blockbuster on-line? For I think $9.95 a month you can either download unlimited movies or have two movies at a time mailed to your home. Once returned you usually get the next movies on your list within 2-3 days.   08/01/2010 07:48 kathrasher7: My son's credit card!... Christy: Hope you're making him pay you back at least in labor.....otherwise, take it from someone who knows you are only setting him up to make the same mistake again if he doesn't have to really feel the consequence of living beyond his means.   08/01/2010 07:45 Grande Iced Coffee...almost everyda... Christy: Stir up a batch of your own to keep in the fridge and fill up a to go cup before you head off to work. You can even get your favorite coffee syrups or I've even found that the flavored creamers at the grocery store are just as good:):)   08/01/2010 07:41 eastgurl2001: Payday advance loans. I got into a ... Christy: Thought about purging and having a garage sale or maybe baby/dog/house sitting (some kind of a temp. second job)? All earnings could go straight to the loans until paid off.   08/01/2010 07:38 Dawn: Television, cigarettes... Christy: I actually kept a log for a month of all the shows/movies I actually watched and found that I was able to downgrade to a smaller package, saving about $50 a month. You'd also be surprised at how quickly the cable companies will reduce your monthly rates if you call and simply ask them to disconnect you. They start pulling out all kinds of tricks and discounts to get you to stay with them.   08/01/2010 07:35 When I need a pick me upper, I'll g... Christy: Try doing something to lift someone else's spirits, I found that warm feeling I get from giving to others...weeding someone's garden, making a dinner for friends, calling an old friend, volunteering somewhere...etc. soon has me feelin so great that I no longer need that shopping pick me up that ends up making me feel that much worse once the bills start stackin' up.   08/01/2010 07:32 Jodie: gossip magazines... Christy: Try picking three of your favorites and then getting an actual subscription (could always ask for this to be a B-Day, holiday gift). Usually if you go on-line you can find up to 50-75% off of subscription annual subscription rates and can pay in a few installments. ??? Just a thought.   08/01/2010 07:22 Jodie: gossip magazines... Christy: Try picking three of your favorites and then getting an actual subscription (could always ask for this to be a B-Day, holiday gift). Usually if you go on-line you can find up to 50-75% off of subscription annual subscription rates and can pay in a few installments. ??? Just a thought.   08/01/2010 07:22 guy: stop using credit card, only cash ,... Christy: Something I tried to ensure my bills got paid before I over spent was to have automtic payment withdrawal set up for the days I got paid. This was money was gone before I could use. It really forced me to become more diciplined, the change to receiving my salary only once a month vs. weekly/bi-weekly was also a great help. It's easier to stretch out and justify putting off bills if you only have to wait a week or two but this is not a luxury if you're only paid once a month:):).   08/01/2010 07:18 More users are budgeting and saving money on smoking: gadi: I've noticed that many people say that the most stupid thing they spend money on is cigarettes. I used to smoke also, so i know how hard it is to quit (and how much money you spend..) . i hope the next tip will be useful... it took me a long time to understand that if i want to quit smoking i have to understand why i am smoking - what exactly is giving me the urge to smoke. I am guessing that everyone have a different reason to smoke. I've found out the main reason i was smoking is (and i know it's stupid) that it makes me feel cool. Once I've figured it out i was able to deal with it. you can find info on http://www.smokefree.gov and http://www.stop-smoking-tips.com good luck! don't smoke or drink and stay home as much as possible blondie: i try to stop smoking, i dont eat as much take away food, i dont spend to much money on beauty products Cyclone: drinking, smoking, shoes, clothes More budgeting tips: Saving money on smoking More users are budgeting and spending money on smoking: cammy: cigarettes, credit card interest my husband smokes. I love Starbuck's coffee rckstr0311: Cigarettes & My debt Consolidation. I regret ever having credit cards at such a young age blue_butterfly2232: Cigarettes/Tabacco More bad spending habits: smoking, credit card

Budgeting & smoking Plan how many cigs you'll smoke Stick to the plan If you can't stick, make a new plan Once the plan works, try to lower it Write how much you spend on cigs Use the Budget5000 daily tracker If you don't care about health Think about the money! Free budgeting & smoking links: How to Save Money On Cigarettes     Stop Smoking Alternative     Quit smoking aids     List of stop smoking aids     Quit Smoking Cold Turkey     Side Effects of Quitting Smoking     Quit Smoking Support Groups      Smoking & Tobacco: Data & Statistics      Budgeting Successfully     Family Savings & Budgeting Savings account is empty? High interest savings account Getting out of debt - Debt calculator How to budget - Budgeting successfully More Savings & Budgeting Credit Card, Cigs, Alcohol, Movies, Shopping, Gas, Cosmetics, Books, Loans, Gambling , Insurance , Debt , Loans , College , Overdraft

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