List...Your Favorite Frugal Tips?

Let me know YOUR favorite frugal tip here :) and I'll add your comment to the list on the left!

DAY 4 FTJ Bootcamp Activity

Create A Family Mission Statement

EDIT! I finished it!


Family Mission Statement
Our family will be close and stick together through rough times
We will help others as much as we can, and do what we can for others
Our home will be a place of truth and honesty, and we will help each other grow stronger
Our home will not be a place of fear, but a place of happiness and fun
We will always show love and respect

Day 3 FTJ BOOTCAMP Activity

Change Your Mindset: Start "Five Things" Notebook.

This is great! It's about writing positive things in your life! I try to do this everyday in my head, but with a journal I'll be able to look back at it. Even if your not doing FTJ Bootcamp, this is a great thing to do anyways.

Day 2 FTJ BOOTCAMP Activity(Jan 1/2)

Make a Net Worth Statement

I'm interested, because first off I'm 20! I dont own anything really. But my boyfriends car is under his name and we each have credit cards(Zack to multiple places). We'll see how it goes. It's gotta be done on Monday, so I'm going to work on it tonight.

EDIT! Finally got mine done. I was right, ours came out wacky! After reviewing this, SO said 'LETS PAY OFF DEBT!!!!' haha I said 'Of course, isn't that the goal of the ftj project'

Okay, so after looking at other blogs, I decided to post my net worth statement. For some reason, I've been scared!

Assets:
2004 Nisan Sentra 1.8S $8200
2001 Chevy Silerado $8625
Yamaha 2003 TTR 225 $1510
Yamaha 2007 YZ 85 $2110

TOTAL ASSETS: $20,445

Liabilities:

Auto Loans-
2004 Nisan Sentra $11,727.97
Credit Cards-
Jessica's Credit card $628.23
Zacks Credit Card $665.55
Yamaha Credit Card $6,025.16
Home Depot Credit Card $1,030

TOTAL LIABILITIES: $20,076.91
TOTAL NET WORTH: $369.91

I'm going to LOVE watching this go down every month!

January Grocery Budget

My Budget: $240.00

Spent at Smiths 117.99$ Saved 38.96$
Ocean Spray Cran Grape
(2) Kroger Beef Broth
(5) 32oz G2 gatorades
Kroger Sugar
Just Bunches Cereal
(2) Kroger Refried Beans
(2)Kroger Red Beans
(2)Kroger Kindney Beans
(2)Kroger Shredded Cheese
Chex Mix Bars
Easy Mac
Mission Tortillas
(2) cheese sticks
Brownie Cookie Dough
Tampax
Eggs
Tropicana OJ
4 2-liter sodas
Eggo Frozen Waffles
(6)Lean Cusine Frozen Meals
(2)Doritos
Pepperoni
(2)Beechnut Infant Juice
(2)Frozen Pizzas
(2)boxes 100calorie packs
(2) Sara Lee Bread
Hungry Jack Pancake Mix
Syrup
Kroger Pan Spray
NP Vanilla Soy Milk


Left of Budget: 122.01

This was on my approved budget. Things I avoided today: I didnt get the slim fast because I dont need it, I just like how it tastes, and I didnt get any baby food! We have so much in our cabnet, I want to finish it up and not buy more since we're in the spending freeze. I also avoided getting extra diapers. I bought some before the freeze, I might have to get more towards the end though. So I avoided: 22$ :)

Last Night, I went though our pantry, and pulled out what we could have for meals. I found 2 boxes of spegetti and 2 jars of spegetti sauce, 2 boxes unopened cherrios, pulled out all of my sons baby food and juices, an extra box of mac and cheese, instant oatmeal, ramen noodles, instant lunch, granola bars, juice, and there was so much more in there! That alone would feed us for about a week, so that will help during the spending freeze, this will help us last longer thoughout the month. So, Go check your pantry to see what you have just sitting around in there.

FTJ:Bootcamp 2009 @ MOMMYSAVERS.COM!

http://www.mommysavers.com/ is a great website! I've mentioned it before but this time its for a different reason. Mommysavers has come up with a program called "Forget the Joneses Bootcamp" Its to get finacially stable and back on track. Check it out! I will be doing my blogging for this activity on my personal blog. This is a six week program. If your interested, its never to late to jump in! Todays the first day!

A little info: From 1/1/09-1/21/09 We are in a spending freeze. This will help to avoid impulse buys and to use what you have already!

Day One Activity:
Approved Spending List:

• Gas
• Groceries(My January Budget is 240$)
• A wedding present
• My boyfriend will get 30$/week for whatever he wants
• 25 pictures to get printed for January Crop ( scrapbooking at mommysavers.com)
• Car seat for my son who has just about out-grown his carrier
• SwapTree package U.S. Mail
• 2 Baby gifts with 3 Mailings

I guess we can add to this to go along. Honestly, I'm scared for these 3 weeks, but I know I'll keep using the things I've learned from the program even if I dont meet our goal.

December 2008 Grocery Total

I know, I know, I should have had this posted yesterday, but I have a teething 7 month old! haha


Left for budget 60.55$
12.28.08 Walmart

• GV Ravioli
• (2) Gerber Toddler foods
• Franks Redhot Hot Sauce
• Cholula
• GV Saltines
• Pepperoni
• Biore Face Scrub
• (2)cookie dough
• Mission Tortilla
• (2)Shaving Cream
• Dannon Yogurt(FREE COUPON)
• Storybook Lifesavers (1/2 off)
• Ocean Spray Juice
• Hand Sanitizer
• Suave Shampoo
• Suave Conditioner
• (2)Oust (BOGO FREE)
• Gillette Body Wash
• Hair Gel
• (2) Kraft Cheese
• Bath Pouf
• 12 pk Pepsi

Spent:79.47
OVER: 18.92

My Total for the month was: 293.92$
My Total for December Savings: 82.99$