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    Old 03-12-2011, 07:48 PM
      #101  
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    Originally Posted by Jill
    I have lived on a budget my whole adult life. It drives my DH crazy but he realizes he is terrible with money so I handle the finances. A year ago I stopped buying so much fabric and started using my stash. I only buy for special gifts or when I need some backing. I also use coupons at JoAnn's and Hobby Lobby. I have always made it a habit to transfer money left in checking over to savings on paydays. Sometimes it isn't very much, but you'd be surprised how quickly it can add up.
    I do that with my left over pension money. It goes into a Christmas account and I only use the pension money I receive every fortnight. I have been able to save big money and I save for something particular like my new for me Brother Embroidery machine. I only but fabric when I need it lately.
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    Old 03-17-2011, 02:29 PM
      #102  
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    Originally Posted by redvette54
    I don't buy anything with a credit card, use coupons, if I'm going to Joann's. At the end of each day, I put my change in a jar. Once or twice a year, I cash in my change and take a day trip to Shipsawana.
    I've started using cash instead of the credit card. I also never spend change & put it in a pickle jar. I've done this for 4 yrs. but, this yr., I find that my credit union now charges 5% to run it through their counting machine. I felt ripped off but have no choice. I could hardly lift that jar. They said it was to maintain the machine but I still hated it. Still beats rolling all of it I guess.
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    Old 03-17-2011, 02:46 PM
      #103  
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    The bank I use has a change counter machine and it's free to use if you have an account there. The total goes right into your account or cash. It's amazing how fast change adds up.
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    Old 03-17-2011, 03:01 PM
      #104  
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    I am usually on a budget but have been spending more than normal since the news of fabric prices going to raise.
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    Old 03-21-2011, 06:39 PM
      #105  
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    Gee, I have that book! I had better read read it! I don't have to put myself on a budget, it is more like I want too! A person can get out of control, when you know all the clerks on first name basi at all the LQS's might be a clue! Seemed like a good idea.
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    Old 03-21-2011, 06:40 PM
      #106  
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    That is a great idea!
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    Old 03-21-2011, 06:42 PM
      #107  
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    Ok, I spent the last of my envelope money today! Went .05 cents over budget! I can deal with that!Happy though with my controlled budget! Still have 10 days to go, but don't need anything and I got some fabric money rolling back into the envelope Saturday! Yea, I like this game!
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    Old 04-12-2011, 09:47 PM
      #108  
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    I agree. Have worked since I was 16, knowing I was going to have to support myself in some way better than just Social Sacurity. I remember my grandmother, in the 60's getting a tiny amount to live on. I'm 62, and will work to 66 to finally reap the beneit of the full amount. Hope it's still there.
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    Old 04-13-2011, 03:14 AM
      #109  
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    I understand that! My biggest habit is this sewing thing and a person can drop a bunch of money on this so easily. Last week I went into the lqs to buy a pack of needles, yikes. I spent $32. They had a great sale, so I got more than needles, this is a hard budget to stay on for sure!
    Not sure how long I will work, but I want to work as long as I can. The better off we would be.
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