VannJo's home budgeting & personal finance

Nickname: VannJo           Budgeting Since: 06/02/2010 Budeting tips, how VannJo is saving money: Find items on sale The most stupid spending on VannJo personal budget: Not stupid but eating out every day for lunch. McD's VannJo Money Saving Tips: Carey: We were spending too much out of co... VannJo: Is this a budgeting website or offspring of Dr. Phil>>>   06/02/2010 05:36 the pooks: cigarettes, matts gambling, going o... VannJo: get the patch..... uhm gambling is not good. cook at home.   06/02/2010 05:35 toys for kids they already have a t... VannJo: YARD SALE!!!!!!   06/02/2010 05:35 Dan & Marge: We made a huge finance mistake a fe... VannJo: Well, stop eating out. Cook at home. Food Network has some great recipes. Take out, having food delivered. Save the $$. Limit to special occasions   06/02/2010 05:35 dominos pizza, it's not even good p... VannJo: yuk!.. Freezer isle at your local grocer.. or learn how to make the pizza dough yourself and make a family affair.. would be great for the kids   06/02/2010 05:34 Brown Family: eating out, cigarettes, toys and sh... VannJo: Cook at home. stop smoking.. if they dont need it, dont buy it. look for sales   06/02/2010 05:33 Lottery tickets... VannJo: Do you ever win? IF not, that should tell you something.   06/02/2010 05:32 Ricky Bobby: Probably car insurance. Like Chris ... VannJo: uhm Yes. check around. take a defensive driving course to assist with the rate   06/02/2010 05:32 Grande Iced Coffee...almost everyda... VannJo: I hear ya!!! Love the Decaf light/sweet - toasted almond.. had to start buying the coffee bags to make coffee at the house.. Im surviving   06/02/2010 05:31 payday loans... VannJo: BAD DECISION> LIKE A LOOP OF NEVER ENDING LOANS   06/02/2010 05:31 Pish: College, for me it was a waste of t... VannJo: Well since you have entered the Music Industry, the business informatin that you obtained can be useful especially if you plan on going further. Take time to read the books, you never know what information your mind may be enlightened to.   06/02/2010 05:30 Candy: renting movies... VannJo: Blockbuster. 4/$20.. its the best thing ever.   06/02/2010 05:29 AmyLee: take away food!... VannJo: We need to survive and not wither down to bones!. Have a salad.. Fruit salad   06/02/2010 05:28 kitkat: Take away food, junk food, soft dri... VannJo: Well if those things were taken away, we all would be drinking goats milk. (lol) anyway.. Think healthy . Salads, yogurt, orange juice... take a long walk.   06/02/2010 05:28 Tre: Internet shopping... VannJo: Its hard to do, but avoid the ads. Think before you click the submit button. Is there something else I need to do before I spend this money?   06/02/2010 05:27 Sparkygirl: Loans and credit cards. Kids wants... VannJo: Loans... contact for payoff amount. Credit cards the same. Kids.. if its not something they NEED, it can wait!   06/02/2010 05:26 my husband smokes. I love Starbuck... VannJo: Well you two need to sit down and talk. You and him could have coffee for the price of his pack of cigarettes. He should cut down on his packs and you should get a coffee maker!   06/02/2010 05:25 Dawn: Television, cigarettes... VannJo: Lower your cable package... Try to tell yourself, I DO NOT NEED TO SMOKE! (repeat)   06/02/2010 05:24 fruitbat: a pair of rollerblades (top of the ... VannJo: Wasteful!!. Place the items on Ebay and see what you can get for them.   06/02/2010 05:23 Caity: Credit Card Interest... VannJo: Don't allow your balance to carry too long. Make a purchase.. then pay it off. If you know you won't have the $$ to pay, dont buy it!   06/02/2010 05:22 Hank: overdraft bank fees, late/over limi... VannJo: Well been there done that. Be careful that you are keeping track of your deposits and withdrawals. Check your balance. Print a worksheet and make notations when you do a POS purchase or withdrawal to avoid ODF.   06/02/2010 05:21 buttercup: Stupid attorney fees! I hate how l... VannJo: Ever heard of DO IT YOURSELF? Not unless there are other things involved. Might want to get a second opinion.   06/02/2010 05:20 Brittany: Smokes and gas... VannJo: Stop Smoking! Packs are like $5now right? I dont smoke but I work with ppl that do. Gas is not an option you need that. But what you can do is decide what errands you need to run, do them all while you are out, so you are not making multiple trips out. Get your car flushed as well.   06/02/2010 05:19 Spendless: Fast/Junk food... VannJo: Had the same issue, especially with kids. You can buy a box of burgers and pack of fries, hot dogs at the supermarket. You can have fast food several times a week only paying once.   06/02/2010 05:17 ladyof4: Things that I buy at Target that we... VannJo: Take a look around your home and see what you really need. Look for the sale circular, or if you have access to the internet. Browse there first. MAKE a list.. and stick to it.   06/02/2010 05:16 Lottery tickets... VannJo: That is $ you could have placed in the bank!   06/02/2010 05:15 eastgurl2001: Payday advance loans. I got into a ... VannJo: Those are the worst things you could ever get in because they continue, even when you dont request it. Once you get out of this dont sign up for another one. I almost made the mistake of getting one, until I read the fine print.!   06/02/2010 05:15 When I need a pick me upper, I'll g... VannJo: first, make a pile for your bills. place them where you know you will see them. when you get your check. sit down and tackle each bill. Once you pay your bills, you can see what you have left over to play with. There is no greater feeling then knowing your bills are being paid.   06/02/2010 05:13 Peppermint Pattie: Family Member Loan... VannJo: Never co-sign for anyone. The purpose of cosigning is to help that person establish credit, not to ruin yours. They are responsible for making payments. If you are paying and they are enjoying the product you are paying for... request that it be turned over to you since you are making the payments.   06/02/2010 05:11 bad debt, to much interest to pay t... VannJo: contact the company asked for a price to settle   06/02/2010 05:10 Norman: Food - take outs Coffees in everyd... VannJo: Get a coffee pot for home   06/02/2010 05:09 More users are budgeting and saving money on eating out: AmyLee: I try to shop at Aldi and cheaper supermarkets and nev er pay full price for anything, always buy things on sale and end of season! the pooks: don't buy useless items, don't go out as much(i.e. dinner, drinks...), joel: i try to save money when we eat out... (try) we always split the dishes and i try to remember to use coupons... we like to drink (!) but out side it's so expensive!! so we drink at home beofre we go out... it's not so bad. also it's true that take away is cheaper - no drinks no tips. that's it! blue_butterfly2232: Coupons,Eat at home,Find sales,Menu planning More budgeting tips: Saving money on eating out More users are budgeting and spending money on eating out: AmyLee: take away food! Dan & Marge: We made a huge finance mistake a few years ago and sold everything to pay off the credit card debt. Now we are back on our feet and don't spend too much except eating out and take away Carey: We were spending too much out of convenience on fast food, I regret that we haven't saved money for retirement, disability, health benefits or equity in a home. Spendless: Fast/Junk food More bad spending habits: eating out, credit card, Cigarettes

Budgeting & eating out Plan a head! Plan your weekly menu Plan your groceries shopping Plan a nice dinner at home And it will happen Free budgeting & eating out links: Cheapcooking.com: Cheap Family Recipes, Easy Recipes, Healthy Recipes     GoodToKnow: Cheap family recipes, Budget recipes     Fastest and Cheapest Recipes and Menus     Shopping wisely      How To Save Money in Supermarkets     Aldi Meal Planner     Walmart credit card review     Debt Elimination Methods     Want a lower credit card rate?     Save Money on Groceries     Budgeting Successfully     Planning frugal picnics     Thoughts on diet     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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