Posts tagged as:

spending

Post image for The beauty of a monthly budget

The beauty of a monthly budget

by Karen on September 23, 2009

When our no spend summer ended in August, I told myself we weren’t going to go overboard. I told myself we were going to keep our budget just as tight. I was wrong. Just as I feared, we went a little overboard for the past month. So overboard that it’s only the 23rd and we’ve […]

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Last week, the state where I live (North Carolina) increased its sales tax from 4.5% to 5.5%. With local taxes, that means our total sales tax has increased from 6.75% to 7.75%. A 1% increase may not seem like a lot, but it can add up for big purchases. On a $1000 purchase, that’s an […]

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Post image for Overseas transaction fees give me a headache

Overseas transaction fees give me a headache

by Karen on September 8, 2009

We’re not going to start booking until January at the earliest, but right now we’re doing a lot of research for our trip to Europe in May. That means we’re tracking airfare, putting together a loose itinerary, and researching the logistical aspects of traveling to another country. One of the biggest headaches of traveling to […]

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Post image for Things to consider when making a big purchase

Things to consider when making a big purchase

by Karen on August 26, 2009

Last weekend, I made a huge purchase. I bought a camera that cost almost a whole paycheck. Yikes. We’ve been thinking about it and saving for months. I planned to wait until we saved enough, but I realized that I could buy it now with the money I’ve earned from this here blog (thanks for […]

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Menu Plan: 5/30-6/5

by Karen on June 1, 2009

Our first cash grocery trip was a success! We put together a list, and then based on previous shopping trips and current sales I estimated the cost to be sure we were in the right range. I kept track of my individual price estimates for each item on the grocery list, and as we filled […]

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Last week, I wrote about the steps we’re taking to make sure we can get through the summer on my income alone. Throughout the year, Tony is paid to teach undergraduate classes at his university. Now that it’s summer, he won’t be receiving a paycheck. We knew this was coming all year, so we saved […]

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Tony’s summer vacation has officially started. He won’t be teaching or taking classes again until the end of August. Unfortunately, this means we’re losing a third of our income for the months of June and July. We’ve been anticipating this temporary loss of income all year, so we prepared by putting aside most of the […]

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One of the main concepts of frugality is that life isn’t a competition when it comes to finances. I try to avoid comparing myself to other people, because we inevitably fall short in terms of material possessions. Just for fun, though, I took a look at some national averages to see where we fall on […]

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A year ago, our situation was drastically different than it is today. Our savings was depleted after months of bringing in less than we needed to make ends meet. We had a little money in the bank, but not enough to sustain us for very long. We were living frugally out of necessity. Though our […]

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