Becoming Debt Free in 2009

May 14, 2009

New Challenge

Filed under: School Expenses — ambercouric @ 9:49 am

I have a new challenge and could use some input and advice from all of you.  Especially, those of you who use coupons and those who are super deal shoppers.

Here’s the deal.   Ashby and Kennedy will be away next school year.  This year Ashby was close enough he could come home on a Saturday and pick up anything he needed.  Next year both will be too far to come home except for holidays.    So, I need to have them completely stocked at the beginning of school and take everything on move-in day.  I know that they could buy toothpaste or whatever when they run out but I would prefer to have that stuff ready (bought cheaply) so they don’t have to use their limited funds to buy these items for themselves.

In addition to buying the toiletries there is a ton of other items like linens, mini fridges, etc. that have to be purchased.

Kennedy, my wonderful, organized, detailed son typed a list of all the items needed for the year.  He included everything from computer to ten pair of socks each.   Kennedy will also need a coat for cold snowy weather.

The grand total of the items Kennedy thinks are NEEDS – $3,595.00.

I am hoping to get everything including the computer for about $2,000.  So, I need to find the best deals on everything from mattress pads to clothes hampers to ties (both boys will attend schools where formal wear is required several times a year).

Here is a partial list of needs:

  • Trash cans
  • Desk Lamp
  • Towels /Washcloths
  • Sheets
  • Comforter
  • Blankets
  • Mattress Pads
  • Mini Fridge
  • Storage containers
  • Hampers

Clothing Items

  • Socks
  • t-shirts
  • athletic shorts
  • shorts
  • shirts
  • jeans
  • dress shirts
  • dress pants
  • shower shoes
  • tennis shoes
  • dress shoes
  • belts
  • heavy coat
  • light coat
  • sweat pants /shirts
  • ties
  • sport coat

Personal Care

  • toothpaste
  • tooth brushes
  • soap
  • shampoo
  • deodorant
  • shampoo
  • clippers
  • contacts
  • allergy meds
  • Tylenol
  • razors

Of course there are a million things I have forgotten.  Somethings will only need to be purchased for Kennedy and some both will need.


May 8, 2009


Filed under: Debt,Journey to Debt Freedom — ambercouric @ 8:18 am

We decided to take the plunge and take the money from our savings to pay off the car.  I am just tired of having bills.  So I checked online this morning and the payment cleared so we are officially debt free.

I can’t believe how far we have come.

May 3, 2009

Read the Bill Notices

Filed under: Budget,Car,Journey to Debt Freedom — ambercouric @ 2:53 pm

Okay, I have been paying a water bill to the same place for nearly 20 years.  In the past the bill was due on the 19th by 5:00 or the late fee was $1.00.  I have always sent my bill off usually the 14th or 15th because they received the bill the next day and it posts on the day they receive the bill.  I just took the bill out to get ready to write the check and noticed a $4 previous balance.  I thought maybe I paid the wrong amount so I went and checked and I paid the amount due.  Then in VERY SMALL writing it said payments must be made by 5:00 pm on the 15th of each month or there is a $4  late fee.  Also, they charge a fee if you pay online, something like$3.50 so I always mail the payment.

I wonder how many of these late fees they collected for the last couple of months from their normal on time payees.  This started at the first of the year but I must have mailed on the 14th the first couple of months.

Lesson learned – read the bills carefully.

Another thing I noticed last month was with my car payment.  I am nearly three years ahead of the payoff and every month there is a zero balance.  I still pay above the payment amount so it will be paid off in just a couple of months.  Last month there was a minimum balance of $121.  Again, this makes no sense to me since for the last year it has been zero due.

Being debt free can’t get here soon enough.

May 1, 2009

I’m So Glad It Is Friday

Filed under: Random — ambercouric @ 8:46 am

This has been such a long week.  I have accomplished – ZERO – ZILCH – absolutely nothing.  I think the problem is that  my husband has had extra days off and Ashby has been home a couple of extra days since it is final exams.

I’m glad it is Friday because I don’t clean on the weekends so I can quit thinking I need to get up and clean whatever.   It will all wait until Monday.

Hope you all have a great weekend.

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