Tag Archives: NaBloPoMo

The Christmas Credit Card Bill

Yes it arrives just after we ring in the New Year without fail. Time to pay the piper for the excessive celebrating right?

Two years ago I asked myself that question. Is this really the price I need to pay every year in order to enjoy celebrations with friends and family? My answer was “no”.

I asked myself a few questions.

1. Am I willing to give up the Christmas fun to save money?

2. Is there any other way I can stop the pain and anxiety of that horrible bill that slides into the mail box each January to destroy the holiday high?

To the first question I answered no way. And so in January of 2013 I started budgeting for Christmas so as not to increase our debt load further and at the same time still enjoy the season.

I am no brain surgeon, and clearly those who know me will readily agree 🙂 But I did make a smart move a year ago. I pre budgeted for Christmas 2013 in January of 2013.

The results:

SAM_0620With this successful result under my belt, next steps blog about and implement a weekly/monthly budget plan.

I read somewhere that millionaires actually plan out their weekly spending. This got me thinking, why on earth shouldn’t we do the same?

Happy New Year and stay tuned. We are on the way to becoming debt free!

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The End of Nablopomo

November 30th, final day of the National Blog Posting Month. I remember thinking at the beginning of the month how long a 30 post, 1 month challenge was going to be. Today I am surprised at how quickly it went by. These postings became a part of the daily routine and I am going to miss writing them. A huge hug of gratitude to http://www.blogher.com/nablopomo-november-2013-blogroll for putting this challenge together.

I want to pause here and reach out to those who stopped by the blog. First a big thank you to commentor’s. You remind me how amazing it is to connect with people you don’t know through the internet and share ideas in a constructive way. Thanks also to  views received from Facebook, Twitter and WordPress Reader. Your silent support (and maybe laughter or indifference) helped me keep going when I started to doubt myself.

While it is sad to see Nablopomo go I am excited to have been inspired me to create the Debtless and Cheap blog. A place to share tips and ideas on living the debt free lifestyle. The posts may not be daily, but you can bet they will be regular and filled with everything I learn on living well within a frugal mindset.

Finally, in following through on this commitment, although there were days when I didn’t “feel” like doing it, I am satisfied tonight that I stubbornly stuck with it. Some probably think it was a waste of time. All I can really say to that is, there are certainly far less productive ways to waste ones time.

We train ourselves to become what we want to be, or someone else does it for us. I want to learn and train myself to be the best possible communicator and story writer I can become.

What does your blog give back to you?

Black Friday/Cyber Monday Who Knew

As suspected Black Friday was filled with drama and injury. While I do like to joke about it. The behaviour surrounding these events are anything but funny.Having said that let’s just move on, shall we.

What’s up with this cyber Monday thing? Anyone know what kind of deals you can get online? Would this be something that might appeal to the average frugal cheapskate? If there really are deals to be had it sounds like a perfect fit for this cheapish lady.

In store shopping tends to be chaotic and hurried. I like to stop, take a breath and consider the value of items. Doing so in the comfort of my living room might be a slice of heaven.

Anyway, going to give it a try on Monday. Wish me luck.

One more post to go Nablopomo oh ya!

Black Friday & Cheap T.V.

Here is the status I posted on Facebook today:

“Tomorrow’s Black Friday. Please get out there crash doors and grab ludicrous deals so I have something interesting to watch on T.V.”

This pretty much sums up my feelings and thoughts toward this crazy media event that sends us into a frenzy.

Oh and seeing people trampled over a few dollars in savings, now that’s entertainment, isn’t it?

I like to think I’m frugal. “Black Friday” now that’s nuts.

The Zany Blogger

I am amazed how fast November has flown by. After this entry there are 3 posts to go and I am starting to wonder what to do with myself next month to stay out of trouble.

Anyway as the month fizzles away the posts seem to be getting more and more punchy. Trying to find something to write about every day has been an enjoyable and eye opening challenge.

Therefore without further introduction let me present my latest silly post.

He called you what?!

So yesterday while I was talking to someone in real time. I got around to asking him if he was enjoying the blog.

He told me he didn’t have a lot of spare time, but had read some of my “zany” posts.

Later when I got home the worry wart in my brain starting singing.
“He called you zany that means crazy. He must not think much of you,” and on and on it went.

I quieted the wart with a dose of compound positivity and got to thinking about the word zany.

I thought about what it means, light, easy going, silly, free spirited,
funny. “Well that’s not so bad,” I reminded myself, considering that is what I look for in life as often as possible. Actually, if I am honest with myself it is probably exactly what I was going for in the posts. For someone like me who is allergic to labels I guess you might say I’m turning into a hypocrite. I really, kinda love this label.

Here’s an idea, maybe I can call myself ‘The Zany Blogger’. It works doesn’t it?

How do you handle the worry wart choir that plays in your head?
Love it or hate it, I don’t think we can ever silence it. Just maybe though, we can have a little fun with it?

Real Time Inspiration

SAM_0267

Today while waiting for the bus I met up with a young woman I have often seen at the same shelter.

She asked, how I have been keeping, and mentioned not seeing me around much over the fall I explained the big riding adventures to her.

She was curious as to where I ride and how far it is. I shared the  details, and of course talked about all the wonderful benefits associated with bike riding.
She was hooked.

She had always wanted to ride to work and it turned out my destination was close to her work.

When I reminded myself to curb the excitement, close my mouth and let others speak, she talked about her desire to ride to work.

The bus arrived and just before we parted ways she said, “thank you for inspiring her.”

I was so happy to have taken the enjoyment of riding out of the blog and into real time life, I nearly fell down the steps as I exited the bus. It is one thing to right a blog and hope to reach out to others and quite another when it happens in real time!

Share your adventures with others, you never know what might happen. Anyone have an experience similar to this? Would love to hear from you.

Debtless & Cheap – Merry Frugal Christmas

I received a friends and family invitation from a local store today. I won’t mention the shops name as my friends and family read the blog and I had presents to buy.

Everything in the store was 25% off. I crossed a ton of presents off my Christmas list tonight, and saved $100 at the same time. This is a cheapskates dream come true! Sorry Christmas don’t mean to sound like a scrooge I just love saving money.

The best part, I have been to others stores boasting of sales only to find marked up prices that are lowered to appear as sale pricing. However, having shopped at this outlet frequently I knew the prices were not marked up, and with that 25% discount I saved big time in real time on presents and decorations.

Can we do our frugal Christmas happy dance now?

Have some tips on saving money on the holidays? Play Santa and share in comments.