Dave Ramsey Peas - week of January 28

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Posted 1/27/2013 by Runner5 in NSBR Board
 

Runner5
Pea All You Can Pea!

PeaNut 36,843
April 2002
Posts: 16,666
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Posted: 1/27/2013 7:28:12 PM
How's everyone doing? Does anyone have updates to share with respect to working Dave's baby steps? Any questions, tips, struggles, etc.?

I'm looking forward to a good week. I'm out of town helping to care for my dad (he has pneumonia now and has been admitted to the hospital). My challenge is to eat at my sister's house and not use this as an excuse to eat out.

I also wondered if you saw the news that stores may start charging an extra 4% for using a Visa or MasterCharge credit card and what you think about that. I'm thinking they may experience a backlash similar to what the banks experienced when they tried to start charging extra fees for checking accounts.

eta: wow the second paragraph I wrote sounds so callous. It's not a good week because Dad is sick. I'm psyching myself up that it will be a good week with respect to staying on plan financially speaking.

I probably won't be on line much until I get back home.


Mary




Runner5
Pea All You Can Pea!

PeaNut 36,843
April 2002
Posts: 16,666
Layouts: 25

Posted: 1/27/2013 7:33:06 PM
Here's a link to a story about the extra fees for using a credit card:

Attention Shoppers!!





Mary




pennyring
Thrift Ninja

PeaNut 226,011
October 2005
Posts: 23,312
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Loc: Rite Aid

Posted: 1/27/2013 7:59:08 PM

In fact, most consumer advocates believe that except for some small retailers, a credit card surcharge is a non-issue in the short-term.


This is what I was going to say, but the article summed it up quite nicely for me.

Stay out of your no-name corner store, and it should be a non-issue.




andtyler
StuckOnPeas

PeaNut 251,639
March 2006
Posts: 2,891
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Posted: 1/27/2013 8:36:33 PM
The week has been a mixed bag for me. I sold a car and picked up my $ from a scrap garage sale... But I also ate an unplanned lunch out and needed to pick up some yard supplies that weren't budgeted. Next projects to eliminate the cc bill are selling some scrap gold and preparing for a garage sale.



UkSue
Ancient Ancestor of Pea

PeaNut 428,374
June 2009
Posts: 5,008
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Loc: Greater London

Posted: 1/28/2013 10:00:20 AM
My euphoria of last week has dissipated, now it seems my ex is going to renege on everything he promised me. I am telling myself that I won't miss what I never had!

I am still excited to have paid off a credit card this year though, and that that company wrote to me last week with a new card. I haven't had a credit card for something like 6 years, and although I have no intention of using it, it's a sign that my credit is starting to improve a little.


It's not the passage of time that heals. It's what you do with that time.

treyzmom
BucketHead

PeaNut 42,683
July 2002
Posts: 820
Layouts: 0
Loc: Not where I used to be

Posted: 1/28/2013 10:56:09 AM
Hadn't heard about the visa/mastercard service charge. I guess I will be using debit or cash more frequently! (Debit card has visa logo, just don't always put in my pin to run it as a debit.)

Last week was a rough one. Dh worked a ton of overtime (which is good). Unfortunately the rest of us were all sick all week. I could have used the extra hand while I was down, but we survived. Also got hit with a "stupid tax"...forgotten speeding ticket had to be paid and there went the progress on the emergency fund. The anticipated overtime pay should help set it right again...the best we can do is dust ourselves off and get back to it.

scrapper100
Budletsmom

PeaNut 65,877
January 2003
Posts: 13,181
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Loc: So CA

Posted: 1/28/2013 11:12:13 AM
I am just trying to keep my costs down and put some money aside for some expenses that I know are coming up - insurance, property taxes and we need a new car. We put everything on CC and pay at the end of the month and then get money back so we don't follow Dave completely but we have always lived this way I have never put something on a CC just because I wanted it and knew I couldn't afford it. We spent a lot in October to December (planned) and I loved opening my last CC statement and seeing a really low bill and plan on keeping it that way. I know that next month we will be getting our cash back check and am planning the Costco trip - have the list going on things I will be stocking up on.

So nothing exciting just trying to keep spending to a minimum and eating out of our freezer and pantry as much as possible. We are eating out less as well. I am hoping to see more money in our account at the end of the month.

My biggest tip is just to stay out of stores and to unsubscribe to on-line stores email so I am not tempted to buy something I don't really need.


Patti

.Megan.
Go WINGS!!

PeaNut 100,223
August 2003
Posts: 14,023
Layouts: 15
Loc: Utah

Posted: 1/28/2013 11:27:27 AM
I'm feeling overwhelmed - not with just finances, I just feel like I have a lot going on (and yes, I'm single with no kids, don't hate me).

I am planning on listing a lot of Close to my Heart scrapbooking things on the FSOT board here, as well as on a consultant group online.

I also have a lot of Thirty-One inventory that I'm posting on consultant boards.

I'll also try posting on Craigslist and KSL (our local news) but that's farther down on my to-do list.

I need to catch back up my FPU classes - I'm doing them online.

I really like doing laundry (freak, I know) so I'm thinking about putting an ad on craigslist to do laundry - but I'm not sure how to go about pricing, and then I get nervous because though post people are honest, what if someone says I ruin a shirt or something? agh, I don't know.



.Megan.
Go WINGS!!

PeaNut 100,223
August 2003
Posts: 14,023
Layouts: 15
Loc: Utah

Posted: 1/29/2013 10:26:32 AM
... talking to myself ...

I unsubscribed myself from all the daily deals and store emails I received yesterday and so far this morning. My inbox is less cluttered already.



gwen.m
BucketHead

PeaNut 450,148
January 2010
Posts: 706
Layouts: 34
Loc: UT

Posted: 1/29/2013 10:44:00 AM

My biggest tip is just to stay out of stores and to unsubscribe to on-line stores email so I am not tempted to buy something I don't really need.


This is something I need to do, like pronto. That's my biggest weakness. It's easy to stay out of the malls this time of year (crappy driving weather and such) but I sit in front of a computer all day, I see those emails a LOT. I've actually been good the past few weeks at deleting them without opening them.

I took FPU about 3 years ago and we've done well with the envelope funds and the emergency fund. But we've slipped on the credit cards. Since Christmas, we've been eliminating "fun" stuff and putting all our extra to the CCs. I HATE having credit card debt. I look at the amounts we are paying each month and think we could have the much extra CASH! It's ridiculous and I don't plan to let it happen again.

UkSue
Ancient Ancestor of Pea

PeaNut 428,374
June 2009
Posts: 5,008
Layouts: 2
Loc: Greater London

Posted: 1/29/2013 10:52:37 AM
I am also keeping of Amazon and ebay! It's far too easy to buy lots of little purchases that really add up.

I took my daughter shopping today and managed to not buy anything except I replaced the lovely mug she bought me for Christmas ( I dropped it ) she was so sad I had to replace it and it was only £5. Usually when we go to that shopping centre I spend around £50 so that was a good day for me.


It's not the passage of time that heals. It's what you do with that time.

~Laurie~
aka momtoemily

PeaNut 63,864
January 2003
Posts: 11,128
Layouts: 1
Loc: South Dakota

Posted: 1/29/2013 11:09:58 AM
I received my bundle yesterday. Last night I started reading Total Money Makeover. I am excited to give this a try. I am tired of our vehicle, school and mortgage debt so I am willing to give this a try. My biggest obstacle is going to be keeping dh on the same page. We are not starting at the best time because next month we have a couple of budget busters. My youngest dd's 1st birthday is next month and oldest daughter has a national dance competition next month. It is about 4 hours away and will require a 2 night stay. We won't be able to hit the ground running but we will still be at baby step 2 so I am thankful for that.


Laurie


divinghkns
PeaAddict

PeaNut 78,823
March 2003
Posts: 1,757
Layouts: 159
Loc: in front of my computer

Posted: 1/29/2013 3:09:18 PM
Just checking in. The end of this week is pay day so I'll do my budget, pay my bills and refill my envelopes. Until then, nothing has changed since last week in regards to my debt.

I am a Stampin' Up! demonstrator and I listed my first retired set for sale on Etsy and it already sold. Not for much but a few bucks here and there for things I don't use anymore is better than nothing. That's given me some motivation to get more things listed on Etsy.

I also turned down a trip that I have been wanting to go on. I could have gone and paid cash but that is cash I could use towards my student loans so I turned it down. It was hard, but I'm really getting eager to get those loans paid off so I can move out of baby step 2.

I also took a dog-sitting gig for the week. Easy money, can do it without impacting my fulltime work/pay.

That article was interesting. Since I pay cash for everything but internet purchases, it doesn't really affect me either way. I have a hard time believing this will fly with the general population, but time will tell, I guess. It does stink, though, if you want to buy something off the internet and don't really have a choice to go elsewhere.

Good luck this week, peas.
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