Here I was thinking I hadn't done anything budgetwise, but just remembered we got the quote from a different insurance company. We have both been paying over $200 every 6 months. This guy said he might be able to get us $75 every six months for both rigs!!!!!!! We were holding our breath. Well he called today and said yes he could!!! Boy are we doing the happy dance here.
Gramma Connie > From: [EMAIL PROTECTED] > Reply-To: [EMAIL PROTECTED] > Date: Wed, 30 Jan 2002 21:00:40 -0500 > To: [EMAIL PROTECTED] > Subject: JFC-d Digest V02 #100 > > > JFC-d Digest Volume 02 : Issue 100 > > Today's Topics: > Re: [JFC]: challenge [ Ardella Cottrill <lilsis@labyrinth. ] > Re: [JFC]: challenge [ [EMAIL PROTECTED] ] > Re: [JFC]: Monday on the road (Diane [ [EMAIL PROTECTED] ] > Re: [JFC]: challenge (Ardella) [ [EMAIL PROTECTED] ] > [JFC]: Money Challenge [ Julie <[EMAIL PROTECTED]> ] > Re: [JFC]: temp. job- long (Debbie) [ [EMAIL PROTECTED] ] > Re: [JFC]: Money Challenge (Julie) [ [EMAIL PROTECTED] ] > Re: [JFC]: temp. job- long (Debbie) [ [EMAIL PROTECTED] ] > Re: [JFC]: Monday on the road (Diane [ [EMAIL PROTECTED] ] > [JFC]: Re: For Debbie [ Connie Verbeck <[EMAIL PROTECTED] ] > [JFC]: Update [ "Pat Sinclair" <[EMAIL PROTECTED]> ] > [JFC]: Debbie [ "Nancy Lee Dibert" <nancilee@access ] > > From: Ardella Cottrill <[EMAIL PROTECTED]> > Date: Wednesday, January 30, 2002 12:31 PM > To: [EMAIL PROTECTED] > Subject: Re: [JFC]: challenge > > I took a boxfull of pots and pans i was not using anymore to the local > thrift store, took my oldest son to the pawn shop so that he could pawn off > a couple of his older video games. He got $9 for them, then I went throu my > coupons and got rid of the expired ones and made out my store order around > what i had on hand and what I had in coupons..............this week ought > to be interesting. I am getting ready to turn both of my tv boxes in to the > cable company because hubby got a satellite system. > My cable bill currently runs: $ 78 per month. So here is how my bills will > go: > Cable bill: $16 per month for local channels 2-13 > Satellite bill for the next year should be $25 per month. We got a special > > So I will be saving approx. $35 per month which I am applying to the credit > cards to pay them off quicker. > > Hugs, > Ardella > At 02:46 PM 1/30/2002 -0500, you wrote: >> In a message dated 01/29/2002 11:08:01 PM Eastern Standard Time, >> [EMAIL PROTECTED] writes: >> >>> I am going to give each and everyone a challenge. Look for some way to >>> save money in your budget today. It might be using coupons, sending in >>> those rebates, or even slashing some of your bills. >>> >>> Let me know how you do >>> >>> >> Great challenge, Ardella! I did it without even knowing about the challenge. >> LOL I went grocery shopping today - our store usually doesn't have double >> coupons, but they are for a limited time. Between that and using my frequent >> shoppers card, I saved $40.17. That made me pretty happy! >> >> Now, to get to those rebate forms I have sitting around here somewhere... >> Thanks for the reminder! >> >> Mary Joan >> >> *~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~* >> Journey from clutter List Website >> http://journeyfromclutter.com >> Members Only Page >> http://journeyfromclutter.com/MembersOnly/MembersArea.htm >> >> Unsubscribe: email [EMAIL PROTECTED] with the word >> 'unsubscribe' in the 'Subject:' field to be removed from the main list. >> >> To Unsubscribe from the Digest version of the list send the unsubscribe >> message to [EMAIL PROTECTED] > > *~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~* > Journey from clutter List Website > http://journeyfromclutter.com > Members Only Page > http://journeyfromclutter.com/MembersOnly/MembersArea.htm > > Unsubscribe: email [EMAIL PROTECTED] with the word > 'unsubscribe' in the 'Subject:' field to be removed from the main list. > > To Unsubscribe from the Digest version of the list send the unsubscribe > message to [EMAIL PROTECTED] > > From: [EMAIL PROTECTED] > Date: Wednesday, January 30, 2002 12:50 PM > To: [EMAIL PROTECTED] > Subject: Re: [JFC]: challenge > > In a message dated 01/30/2002 3:35:27 PM Eastern Standard Time, > [EMAIL PROTECTED] writes: > >> So I will be saving approx. $35 per month which I am applying to the credit >> cards to pay them off quicker. > That's great, Ardella! > > Mary Joan > > *~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~* > Journey from clutter List Website > http://journeyfromclutter.com > Members Only Page > http://journeyfromclutter.com/MembersOnly/MembersArea.htm > > Unsubscribe: email [EMAIL PROTECTED] with the word > 'unsubscribe' in the 'Subject:' field to be removed from the main list. > > To Unsubscribe from the Digest version of the list send the unsubscribe > message to [EMAIL PROTECTED] > > From: [EMAIL PROTECTED] > Date: Wednesday, January 30, 2002 12:56 PM > To: [EMAIL PROTECTED] > Subject: Re: [JFC]: Monday on the road (Diane's story...) > > Rebecca, > > I'm glad to hear that one of us has learned to travel light - that's > something I'm going to have to work on. > > I took a weekend road trip to Houston (6 hr drive) with my younger son (10) & > a teammate & his mom for a soccer invitational. The trip up was fine, weekend > was enjoyable (though we didn't win...). The trip back was a nightmare! > > We headed home about 4pm Sunday, hoping to get home for 10:30 pm or so. Long > story short, her '98 Suburban, which had a complete check-up before we left, > broke down about 45 minutes outside Houston. Luckily another group from our > team passed by in a Tahoe and stopped to help us. We ended up towing the > Suburban to Lafayette (about 2 hours toward home) and 10 of us rode home in > the Tahoe. Talk about getting close... To top it off, 2 of the kids were sick > - 1 being mine - and we didn't get home til almost 2am. > > We had to leave most of our luggage in Lafayette with the broken car - which > is when I realized that I'd packed way too much stuff. I hadn't used half of > it, but I had it "just in case". What a pain! Finally got the luggage back, > sorted out the dirty laundry and started washing, found my main set of keys > and a few other essential items I'd had to leave behind. > > Also, I arrived home to discover that the dog had been vomiting and having > the runs (she's okay now) and the cat decided to use the tortoise's aquarium > for a litter box (it contains sand) - which stunk to high heaven. I guess the > cat is wondering why I keep a tortoise in the litter box?! > > I was so exhausted that I ended up sick myself with a head cold. And this is > the simplified version of my life... I wonder just how bad it could be if I > hadn't been decluttering and simplifying for the past 2 years? > > Diane > ~who is making fresh lists & resolutions regarding simplified packing...~ > > *~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~* > Journey from clutter List Website > http://journeyfromclutter.com > Members Only Page > http://journeyfromclutter.com/MembersOnly/MembersArea.htm > > Unsubscribe: email [EMAIL PROTECTED] with the word > 'unsubscribe' in the 'Subject:' field to be removed from the main list. > > To Unsubscribe from the Digest version of the list send the unsubscribe > message to [EMAIL PROTECTED] > > From: [EMAIL PROTECTED] > Date: Wednesday, January 30, 2002 1:05 PM > To: [EMAIL PROTECTED] > Subject: Re: [JFC]: challenge (Ardella) > > Ardella - > > Ooooo the money challenge - that's a good one. I've been working on it for > awhile. I'm not very good about coupons - they tend to make me consider > buying things I wouldn't get otherwise. I do use them sometimes, just not > consistently. I look for "generic" items and comparable, but less expensive > brands. > > I also try to buy things on special or wait for sales on what I need. > Overall, I shop much less and bring much less into the house. I've worked too > hard at decluttering to keep bringing home more "stuff". I think very > carefully before buying something that's not consumable. > > I recently paid off my van, which is a big help. Now I'm concentrating on my > credit card. I'm planning to make a large payment on it when I get my tax > refund - soon I hope... > > Diane > > *~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~* > Journey from clutter List Website > http://journeyfromclutter.com > Members Only Page > http://journeyfromclutter.com/MembersOnly/MembersArea.htm > > Unsubscribe: email [EMAIL PROTECTED] with the word > 'unsubscribe' in the 'Subject:' field to be removed from the main list. > > To Unsubscribe from the Digest version of the list send the unsubscribe > message to [EMAIL PROTECTED] > > From: Julie <[EMAIL PROTECTED]> > Date: Wednesday, January 30, 2002 1:22 PM > To: [EMAIL PROTECTED] > Subject: [JFC]: Money Challenge > > > Ardella and anyone else who is interested, > If you go to www.bankrate.com/brm/calc/creditcardpay.asp you can plug in your > balance, interest rate, and payment and find out how long it will take you to > pay the darn (thinking of MUCH stronger word here) thing off. Or, you can > plug in your balance, interest rate, and how long until you would like to be > debt free and it will tell you how much to pay (as if we would be visiting the > site if we had the extra $$$ to pay it off). Just thought you guys might get > some use out of the link. My goal is to get AT LEAST 2 cards paid off this > year (one being dh's with a very small balance. But it will be nice to pay it > off just the same). > I also use coupons. I have a tendency to clip them and then toss them. It > sounds like I don't use them, but I do. I would rather have them in my coupon > organizer and not need them than need them and not have them (which has > happened). I wait until stuff is on sale, go to the grocery that doubles > coupons and stock up. I got Juicy Juice for $.35 a can!! And Chock Full O > Nuts coffee for $.79 a can!! Both of which we go through regularly so it was > a good deal. > I also have a hot pink index card in the front of my organizer with DO NOT BUY > written in big letters. This is a list of the stuff that I don't need, have > too much of, ect. (like toothpaste and dish detergent). I am trying to live > out of the pantry (and almost through my bag of expired dry goods. Thank you, > thank you very much) and only buy milk and bread at the store. My friend > gives me eggs when I need them. Besides, my grocery budget this month is like > $12. a week! Good thing I have some meat in the freezer huh? > Well, I am in on your challenge. Can I live on $12. a week in groceries? > Hmmm. > Julie > > > > > --------------------------------- > Do You Yahoo!? > Yahoo! Auctions Great stuff seeking new owners! Bid now! > From: [EMAIL PROTECTED] > Date: Wednesday, January 30, 2002 1:24 PM > To: [EMAIL PROTECTED] > Subject: Re: [JFC]: temp. job- long (Debbie) > > Debbie - > > Good luck on working out your financial problems and getting a job - I hope > Nancilee can help you. > > I can sympathize with the school dilemma - same problem here. Our > registration for next year is this week also. My sons both attended the same > Catholic school from Pre-K on (actually the youngest (10) started in the 3 yr > old class. I was willing to do just about anything to keep them in school, > and somehow I've managed. > > My older son started high school this year and he is now attending the local > public school. This decision kept me in an uproar throughout ALL of the > 2000-2001 school year. We actually registered him in a catholic high school > in the city, but I knew I just couldn't manage the increase in tuition. Thank > God, my son is so mature that he helped me decide it just wasn't worth the > extra expense, travel and stress involved for all of us. Our local high > school is very good and he is in Honors classes and doing well - on the Honor > Roll, though he doesn't have straight A's. It turned out to be a good > decision for us. > > However, I understand that your kids are younger and attached to their > school. My 10 year old is the same - no way is he willing to leave his > school. Fortunately, I am much more able to manage tuition for one. > > Just hang in there and do your best and somehow you'll be guided to make the > right decisions - I know I was. Is there any chance that your school will > give you some kind of assistance for the work you do there? Let me know how > it turns out. I'll be praying for you. > > Diane > > *~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~* > Journey from clutter List Website > http://journeyfromclutter.com > Members Only Page > http://journeyfromclutter.com/MembersOnly/MembersArea.htm > > Unsubscribe: email [EMAIL PROTECTED] with the word > 'unsubscribe' in the 'Subject:' field to be removed from the main list. > > To Unsubscribe from the Digest version of the list send the unsubscribe > message to [EMAIL PROTECTED] > > From: [EMAIL PROTECTED] > Date: Wednesday, January 30, 2002 1:45 PM > To: [EMAIL PROTECTED] > Subject: Re: [JFC]: Money Challenge (Julie) > > You go girl~ > > We've done the "eating out of the pantry" thing more than once when money was > tight. Unfortunately, I don't need a list of what I have too much of - I just > keep the bare minimum and buy more when I get low. There are times I should > probably stock up on certain sale items, but I don't generally have the extra > cash. > > $12.00 a week in groceries? Let us know how that works out. I'll be impressed > if you can manage. I don't have a stock of meat in my freezer - or anything > else. Mainly because I have 2 healthy, growing, eating boys (10 & 15) who > play soccer and skateboard and eat enough to sustain a small city. They like > healthy food - veggies, fruit, yogurt, lo-fat milk, cereal. Which means I > have to shop frequently to maintain a fresh supply. > > Thanks for the info on the website. I transferred my 2 credit card balances > to 1 card with zero percent interest for 6 months. That will end in April, so > I'm trying to pay it down asap and use it as little as possible. > > Diane > > *~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~* > Journey from clutter List Website > http://journeyfromclutter.com > Members Only Page > http://journeyfromclutter.com/MembersOnly/MembersArea.htm > > Unsubscribe: email [EMAIL PROTECTED] with the word > 'unsubscribe' in the 'Subject:' field to be removed from the main list. > > To Unsubscribe from the Digest version of the list send the unsubscribe > message to [EMAIL PROTECTED] > > From: [EMAIL PROTECTED] > Date: Wednesday, January 30, 2002 2:27 PM > To: [EMAIL PROTECTED] > Subject: Re: [JFC]: temp. job- long (Debbie) > > Debbie, > > I went through the same thing. DD is fine in public school but DS was not. > After mopping up a kid in meltdown at the end of each day, I decided to go > another route. I am lucky to have a decent income, but with privates costing > between 10 and 22 thousand a year in the Boston area there was no way I could > swing it as a single parent. So after flipping around and looking at all the > options, I decided to homeschool. I figured the time invested in > homeschooling was equivalent to the time I would have to spend on freelance > work to make tuition payments. This is our first year and DS is loving it, > as am I. If you've even considered it, I testify to how wonderful an > educational solution it can be and if you don't want to work for other > reasons - your own satisfaction, a social outlet, etc.- every bit as valuable > as time spent in an exhausting or boring job. > > good luck in whatever you decide > rebecca > > From: [EMAIL PROTECTED] > Date: Wednesday, January 30, 2002 2:59 PM > To: [EMAIL PROTECTED] > Subject: Re: [JFC]: Monday on the road (Diane's story...) > > hey diane, > > You poor thing. . .what a h***ish trip! > > the way I finally figured out travel declutter, was going to Ireland and UK > (for my 40th birthday) and my traveling companion brought this humoungo > suitcase with an iron and a coffee pot!!!!!!! and was incredibly limited in > where she (we) could go. . .had to wait for cabs, couldn't get the thing on > buses, or walk with it. Next to her, my day and frame packs and medium > pullman looked spartan. . .We parted company after about five days (she got > married in one of the stranger sequence of events I've witnessed) I left her > with my excess for a wedding present and went travel lite. . .one frame pack > for the remainder of my travels. > > I keep trying to ferret out clutter in all it's nefarious guises, the > mythology of the prepared traveler being one. I've never found myself > anywhere where I couldn't a) do without or b) purchase what I needed. and the > exchange of stuff for mobility was worth it. > > (However before you think I am completely out of place on this list, let me > tell you about going camping with my harp. . .not the little bardic harp, but > the 62 inch Swanson. . .) > > Rebecca > > From: Connie Verbeck <[EMAIL PROTECTED]> > Date: Wednesday, January 30, 2002 3:04 PM > To: <[EMAIL PROTECTED]> > Subject: [JFC]: Re: For Debbie > > Welcome back, Nancy Lee. Glad you are back home and on the mend. > > Gramma Connie > >> From: [EMAIL PROTECTED] >> Reply-To: [EMAIL PROTECTED] >> Date: Wed, 30 Jan 2002 15:35:06 -0500 >> To: [EMAIL PROTECTED] >> Subject: JFC-d Digest V02 #99 >> >> My Dearest Debbie... > > *~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~* > Journey from clutter List Website > http://journeyfromclutter.com > Members Only Page > http://journeyfromclutter.com/MembersOnly/MembersArea.htm > > Unsubscribe: email [EMAIL PROTECTED] with the word > 'unsubscribe' in the 'Subject:' field to be removed from the main list. > > To Unsubscribe from the Digest version of the list send the unsubscribe > message to [EMAIL PROTECTED] > > From: "Pat Sinclair" <[EMAIL PROTECTED]> > Date: Wednesday, January 30, 2002 3:52 PM > To: <[EMAIL PROTECTED]> > Subject: [JFC]: Update > > Well gang, My kitchen is finally DONE!!!! All the stuff is back on > shelves and into newly painted cupboards and my kitchen has never > looked so good. The clutter and garbage stuff is gone ( so is the > migraine - almost!) We painted the kitchen a pale green and it looks > so fresh and clean. I'm very pleased with the results and the kids > worked hard on it too. > Next is the small bathroom downstairs and then on to the living room. > Hope everyone had a great day. I haven't read any emails today, so > don't know what's been happening yet. I'll get to that in a bit. > Pat S in Canada > > > --- > Outgoing mail is certified Virus Free. > Checked by AVG anti-virus system (http://www.grisoft.com). > Version: 6.0.319 / Virus Database: 178 - Release Date: 01/28/2002 > > *~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~* > Journey from clutter List Website > http://journeyfromclutter.com > Members Only Page > http://journeyfromclutter.com/MembersOnly/MembersArea.htm > > Unsubscribe: email [EMAIL PROTECTED] with the word > 'unsubscribe' in the 'Subject:' field to be removed from the main list. > > To Unsubscribe from the Digest version of the list send the unsubscribe > message to [EMAIL PROTECTED] > > From: "Nancy Lee Dibert" <[EMAIL PROTECTED]> > Date: Wednesday, January 30, 2002 5:10 PM > To: <[EMAIL PROTECTED]> > Subject: [JFC]: Debbie > > My Dearest Debbie... > > I think it might be best if we could IM about this. Do you have MSN > Messenger? If not, do you have AOL IM? > > I have both. Give me your ID, and we can chat about it! > > Or, my cell phone is a 302 number, so I could call you and it wouldn't be > long distance. > > Either way, let me know! > > I figured that our discussion would be a bit OT for the list. > > Can't wait to talk to you about this! :) > > As Always, > Nancy Lee > > > Access WebWorks. . . Access The World! > > http://www.accesswebworks.com > > Full Service Web Site Hosting For $6.95 Per Month! > > > *~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~* > Journey from clutter List Website > http://journeyfromclutter.com > Members Only Page > http://journeyfromclutter.com/MembersOnly/MembersArea.htm > > Unsubscribe: email [EMAIL PROTECTED] with the word > 'unsubscribe' in the 'Subject:' field to be removed from the main list. > > To Unsubscribe from the Digest version of the list send the unsubscribe > message to [EMAIL PROTECTED] > *~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~* Journey from clutter List Website http://journeyfromclutter.com Members Only Page http://journeyfromclutter.com/MembersOnly/MembersArea.htm Unsubscribe: email [EMAIL PROTECTED] with the word 'unsubscribe' in the 'Subject:' field to be removed from the main list. To Unsubscribe from the Digest version of the list send the unsubscribe message to [EMAIL PROTECTED]
