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  • Organize | Small Notebook
    Display Memorabilia and Paper Souvenirs What to Do With Boxes of Photos Essential Tool to Organize Your Digital Photos 1 2 3 4 5 8 Advertisements Hi I m Rachel I ll help you simplify your home Share this site Pin it Get new posts delivered to your inbox Subscribe by email For Winter How to Deal With the Keepsakes You Shouldn t Save Want to Simplify Start Here Getting

    Original URL path: http://smallnotebook.org/category/organizing/page/3/ (2016-02-10)
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  • Organize | Small Notebook
    Rachel I ll help you simplify your home Share this site Pin it Get new posts delivered to your inbox Subscribe by email For Winter How to Deal With the Keepsakes You Shouldn t Save Want to Simplify Start Here Getting More Organized is Not the Goal Smart Design from a Petite Venetian Kitchen Click here before you shop on Amazon and part of your purchase will benefit Rachel s

    Original URL path: http://smallnotebook.org/category/organizing/page/8/ (2016-02-10)
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  • The No Spend Month Wrap-Up - Small Notebook
    was a coward or just not smart enough to try it for our family Thank you Thank you for letting me feel that I am doing a good job with what we have I not even sure if I am making sense but your last statement in this post just lifted my spirits and made me feel absolved of the guilt I had been heaping on my own head Your posts almost always leave me with a smile on my face and a bright and sunny new way to approach the way I do my job here in our home or a feeling of appreciation for the way we already do things Today that feeling was just magnified Sarah s last post To Florida and back Rachel says August 2 2012 at 7 50 pm Thank you I don t want you to feel guilty Sarah says August 3 2012 at 6 58 am I hope my comment was not taken in the wrong context Any guilt I felt came completely from me and not at all from you or anything you said or have ever said I just loved that what you said in this post because it jarred me back into right thinking Sometimes it just takes a single statement from someone else to bring clarity and you were that someone yesterday Just did not in any way want to sound like you or your blog has made me feel guilty that was all me Thanks again Sarah s last post Zip Tiffany says August 2 2012 at 7 55 pm I echo Sarah s comment Yes we also have more than we need but we live on a very tight one income budget I have few if any friends who really understand and often hear suggestions like If you just set aside a little a month you could when there is really not a little to set aside Those comments leave me feeling as Sarah said that I must just not be smart enough or determined enough to do the same things they are able to do with their much more expansive finances Thank you for the affirmation that we don t all have to do it the same to be doing it best MightyMighty Letters says August 2 2012 at 9 31 pm I agree When you talk about buying Kettle Chips it makes me realize how poor we live I think chips are exorbitantly expensive And they re um 4 To cut our spending we d have to give up the very rare treats that are in there So thanks for acknowledging what the frugal by necessity friends go through MightyMighty Letters s last post How I Turned a Corner In My Parenting Rachel says August 3 2012 at 12 07 am I understand I think Kettle Chips are expensive too and we don t buy them anymore since we started a new business this year Before we bought them for morale to help us cope with not getting to eat basics like bread and milk but they were definitely a treat MightyMighty Letters says August 3 2012 at 1 28 am I hope you don t think I was judging your chip buying I just think it s funny that you buying a 4 bag of chips seems so posh to me because we consider cold cereal a luxury I can t wait till I can regularly afford my junk food of choice Oreos MightyMighty Letters s last post How I Turned a Corner In My Parenting Margo Thrift at Home says August 2 2012 at 8 27 pm This is beautifully put Thank you for such thoughtful reflection Margo Thrift at Home s last post July Thursday SueTR says August 2 2012 at 8 31 pm Thank you for the lovely wrap up post I am so intrigued to try this with my family but I can t imagine the backlash from everyone during a no spend month No way I would get buy in from everyone including my spouse How do you handle things like big events ie we have a 50th anniversary party for my in laws 2 weddings and a bar mitzvah these will include dog boarding hotels for people and new clothing appropriate for the occassions not to mention the gifts can t imagine how that would work for a no spend month Thanks for a lovely blog I always appreciate coming here SueTR s last post Happy August MightyMighty Letters says August 2 2012 at 9 32 pm I wouldn t do a no spend month during an unusually expensive month or I would set aside enough for those specific events and otherwise do a no spend month MightyMighty Letters s last post How I Turned a Corner In My Parenting Rachel says August 3 2012 at 12 04 am July happens to be a slow month for us for big events but I guess we would make an exception Otherwise we don t need to travel far to see family we d wear the clothes we already have we don t have pets and gifts for others are typically excluded from the restrictions because we want to be disciplined with ourselves and generous for others Jo H says August 2 2012 at 9 58 pm Your second last paragraph is a wise and kind observation Thank you for sharing your no spend month freely and honestly with us Jennie says August 2 2012 at 11 26 pm I love that you mentioned memorizing that feeling of anxiety that comes from not being able to afford something that other people make look so easy That is such an overwhelming feeling It s also the same feeling that comes from debt An in over your head how will I ever get out of this feeling that takes away joy from all your other purchases necessary or not because they carry the weight of your debt around I think that s why these types of exercises are so necessary It allows you to view money as a tool not as a burden or as a never ending supply And if you are in debt for just one month you can put a little extra money to it to lighten the weight on the rest of your purchases afterward I feel bad now that I let the ball drop this month We really would have benefited from it Thanks so much for being such an inspiration You make me want to try harder Jennie s last post The Future and I Are Fighting Ashlee says August 3 2012 at 12 48 am I really enjoyed your reflection I love following your no spend month each time you do it We are in the group that would love to have 400 mo for our family of 4 to use for the items you ve listed It s just not in the cards for us right now Ashlee s last post A new page Putting Purpose into Pinterest KIm Extra Organised says August 3 2012 at 12 59 am A no spend month or a week or two is a great way to reframe expectations And I love your insightful reflections on your experience and on how others might be feeling KIm Extra Organised s last post Organise your mobile reading Jenny says August 5 2012 at 2 58 pm I agree Kim People often get into spending habits and never leave them even if their life changes they no longer enjoy it Case in point I go to night school once a week I used go out to eat before class At one point I really enjoyed it but then it became routine I stopped during a no spend month and realized I didn t miss it Now I got out to eat before class once a month or so but the rest of the time bring some cereal or eat a really late lunch at work MightyMighty Letters says August 3 2012 at 1 30 am Also I now use the term pantry clutter that you used last year or the year before Such an accurate term MightyMighty Letters s last post How I Turned a Corner In My Parenting Anne Modern Mrs Darcy says August 3 2012 at 6 09 am Rachel I m a big fan of the computer solution for when something s not working unplug it and then plug it back in Those two simple steps are often enough to fix any kind of problem That s what no spend month feels like to me Thanks for sharing your family s journey and offering sweet encouragement without the guilt Anne Modern Mrs Darcy s last post What I Learned About Saying Yes from a Week of Saying No Steph says August 3 2012 at 7 48 am If you are in a place of being stretched out thin this is not meant to be added to the burden you already carry This is so important During seminary we were on the spend as little as humanly possible plan We are still on a tight budget but we do have room for some little treats here and there to keep us motivated Steph s last post A Food Binder Laurel says August 3 2012 at 8 50 am Thank you for reminding us that there are many people who live like this all the time I truly appreciate your consideration of that This was my first no spend month and a great experience Kristin says August 3 2012 at 8 51 am What a great reflection of your No Spend Month You are right that some are fortunate to be able to squeeze a little more than usual in order to have a NSM while others must live like that all the time It s something I struggle to keep in perspective I am prone to worrying about money we pretty much live on one income right now but my husband is always reminding me that we will be okay and many people are truly struggling to make ends meet We have 6 days left of our No Spend experiment and it has been an eye opener in so many ways Like why do I have so much Crystal Light in my pantry Ha But also it has taken so much of the day to day stress I felt about spending off my shoulders mainly because I knew I had cash in my pocket for my purchases money that was already accounted for I didn t have to whip out my debit or credit card to make a purchase And I ve found that I am not as eager to get my next paycheck because there s a little extra left in there from the last one So refreshing Thank you for the idea and for your inspiring posts I m a fairly new reader and I m hooked Kristin s last post The Magnificent Seven the Fab Five KyCat says August 3 2012 at 9 19 am I almost didn t post this because it has already been said more eloquently but then I thought I m sure it wouldn t hurt to hear appreciation from another reader We re doing fine and haven t done a no spend month but could certainly use it and I m looking into it However I always appreciate when authors remember their audience What is good advice for some is crazy for others Thank you for being a thoughtful supportive voice on the internet This is no small thing Esther says August 3 2012 at 9 34 am Due to as job life change for our family we have been considering living on a sailboat with four children I have myself indulging in not accumulating stuff for the house or the family inthe knowledge we may live aboard in a year It is so relieving to me to be able to remove myself from the race if consumption Learning to be content with all the Lord has blessed our family with is a wonderful lesson to teach and live for your children Thank you for your example and simple wisdom Esther s last post The Great Minimizer Suze G says August 3 2012 at 5 43 pm Ohhhh this is my ultimate dream except we don t have any young kids at home When I m working on releasing stuff to the universe I ll often ask would it fit or would I use it on a sailboat And if the answer is no helps me set priorities about the stuff that I really need Prayers sent your way for this vision to happen for you Esther says August 6 2012 at 9 38 am Thank you Suze We are so excited I have been loving this gift of less Esther s last post The Great Minimizer Joyfulmomof6 says August 3 2012 at 10 15 am We lived like this for many years but it was a great testimony to the Lord s Faithfulness in supplying our true needs and He has never let us down as our family has grown Even though it has only been in the last year or two that we have some breathing room in our finances all those years living frugally have truly paid off because it disciplined us Now we don t make frivolous purchases and we always wait before big purchases It is amazing to me that on one income with 6 children we have no debt except our house payment The Lord truly provides Blessings Nanci Alarwyn says August 3 2012 at 1 04 pm I had a wonderful NSM with ups and downs just like probably everyone else I was SO happy to be finally splurge on a new book after a month of using all the money only on necessities like groceries because I really needed all the money I had for just to cover those basics I think the best thing about my NSM is the fact that i really had time and space to stop and think about what buying means to me and what I really want to spend my money on And just like Kristin said it s a marvelous thing to actually see some money left over on your bank account by the time the next pay day rolls around That s such a rarity in this household Even though my budget hasn t really increased by that much for this month at least now I know I can survive on less and not go hungry That s a valuable lesson indeed Thanks Rachel and all the others too for sharing your stories about NSM I ve really learned a lot from you Alarwyn s last post Where did all that time and money go No Spend Month Johanna My Home Tableau says August 3 2012 at 6 49 pm Love your encouragement to spend mindfully We are in a season where we essentially have a no spend month year round It s okay though and when we do have an occasional treat we are super excited I think whatever your income it is important just to focus on what we have and not on what we are missing Johanna My Home Tableau s last post On My Nightstand July Reading Mel Trailing After God says August 3 2012 at 7 25 pm What an inspiration you are August and September are our worst months of the year So as much as I d like to do a no spend this month I know it s not possible Back to school and two birthdays just about kill us But I do look forward to perhaps giving it a go in October Thanks for all the inspiration Mel Trailing After God s last post I m Just Plain Worn Out åslaug says August 3 2012 at 7 34 pm Rachel I so enjoy your blog I fell in love with it when I read your small wardrobe posts I love your simple approach I admire you for mentioning all of those who cannot do a no spend month because I definitely know what that is like This year we re trying it though in August because I didn t read about it till the July 31 and now I am thankful that I have enough room in my finances to play them around for the better because it isn t always possible on a low income Thanks for lots of inspiring reading Debra says August 3 2012 at 9 10 pm I liked this so much I posted it to my FB timeline Fasting spending is a great way to refresh Thank you for sharing your experience and reflections Rose says August 3 2012 at 9 56 pm I ran my own small business for quite a few lean years My mantra during that time was my financial position does not determine my state of mind It helped me so much to remember this Now things are a bit easier and the pantry could be thought of as overstocked but those years changed me fundamentally I m very grateful for that NSM is a brilliant reminder to keep our perspective on need vs want Rose s last post What To Expect When You Are Not Expecting Mozette says August 4 2012 at 1 18 am I ve found that I spend only what I need when it comes to money However it never seems to go far enough This month has ended on a very expensive venture computer hunting Yes my desktop computer has finally died after around 7 years in the family and it s now time to get it replaced Dad said it may be a small thing like the battery in the hard drive but when we replaced that we found the modem card had fallen out of the computer So once

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  • Get It Done: Finishing Projects - Small Notebook
    the sewing machine that makes it feel like such a chore Yet it always feels great when it s done Kristen The Frugal Girl says July 30 2012 at 5 21 pm It DOES seem like summer is so close to being over in a dreadfully sad way Sigh I wish it were a month longer Kristen The Frugal Girl s last post Monday Q A Homeschooling Budgets Cleaning while Homeschooling and Budget Weight Loss Becky Clean Mama says July 30 2012 at 5 27 pm I m spending August with my little to do list I ll be happy if I can complete the six things on my list in August If you need a cute list check out my post for a free done to do list xo Becky Becky Clean Mama s last post Done zero to done in one month Patricia says July 30 2012 at 5 29 pm I m a quilter need I say more I have tons of fabric and complete quilt kits I have a whole room dedicated to all this stuff but I have quit buying unless it s something to finish a project I m working on and I do enjoy my hobby You are an inspiration to me and I love reading your blog I have made changes in regard to buying stuff much less and I m really liking it Janet ordinary mom says July 30 2012 at 6 01 pm I am going through the exact same thing I have been curbing that extra spending of money and time while shopping for new supplies by going through the house with a list everytime I get the urge An sometimes the nagging jobs are small and can be done in between work or chores Kary says July 30 2012 at 6 04 pm I have really enjoyed reading about your no spend month over the last few posts You are absolutely correct that it s much easier to acquire new stuff for a new project than it is to finish an older project Sometimes I think it s because starting a new project is fairly concrete acquire new materials and you can check the first step off the list I m single and don t have a family but I ve been trying an informal no spend summer I m eating the stuff that s been in the back of the cabinet and pantry Because I m not going to the grocery store other stores I m not as tempted to buy other things I love your blog and think your curtains are beautiful Kary s last post The Great American Debate Let s Take a Seat Drink Breathe Debate Relax Ms Amy says July 30 2012 at 6 23 pm YES I have a terrible habit of buying things for other projects despite having a long list of other things to get done I hate doing stuff twice and I d rather leave something unfinished than poorly done Perfectionism stinks Plus I feel like the summer heat saps any and all motivation I might have Ms Amy s last post Washington DC Jennie says July 30 2012 at 6 54 pm I m exactly the same way I rarely get things done in the summer I m much more productive in the autumn and the spring Winter makes me want to snuggle down with a good book and summer makes me want to lie under a fan Jennie s last post Decluttering Books Before After Belinda says July 30 2012 at 6 29 pm I really hear you on this one Also glad Im not the only one who finds sewing kind of stressful Thanks Rachel Bridget says July 30 2012 at 6 33 pm The most stressful thing about sewing is not the sewing it s the redoing after you ve cut the wrong size or sewn the wrong pieces together Bridget s last post Paint Day 2 In Which I m Vulnerable Bridget says July 30 2012 at 6 39 pm Sewing drapes for a whole house that s pretty ambitious My hat s off to you I bought drapes for my whole house and that was a lengthy and involved process I m embarrassed to say how many things I tried before I finally found what I wanted at a price I was willing to pay Bridget s last post Paint Day 2 In Which I m Vulnerable Jennie says July 30 2012 at 6 57 pm I guess I ve never through about it this way but finishing projects is a great way to save money You ve already spent it so why not finish it feel productive and not spend any more money in the process Jennie s last post Decluttering Books Before After Bronwen says July 30 2012 at 8 43 pm I love this I have decided that for 2012 I am not buying any new yarn of knitting I am nowhere near at all making a dent in my yarn pile I could knit for five years without having to buy more and it helps doesn t help that my family gives it to me as gifts I ve found it very liberating to limit my choices in knitting if I don t own it I can t knit it I need to apply this philosophy to other things in my life as well Perhaps if I don t own it I can t cook it That would be a good place to start Bronwen s last post Booker prize 2012 long list with wine gums Kay says July 31 2012 at 11 57 am OMG yes Yarn I will join you in not buying more if that will help I may decide to un subscribe from a newsletter I get from a yarn brand because the many beautiful new patterns and yarns are such temptations They are a primary reason I have the stash I do Lori In My Kitchen In My Life says July 30 2012 at 7 04 pm I don t think we spend our way out of doing finishing projects but it just seems to take much longer to complete many of our projects than I think it should I haven t found the cure for that except changing my expectations Lori In My Kitchen In My Life s last post Cerebral Homemaking Part 4 Blast Physics We Have to Aim Just a Little Higher Ashley Urke Domestic Fashionista says July 30 2012 at 7 18 pm Oh my yes Why is it that buying new supplies for new projects ever seems like a good idea Not only is it procrastinating but adding more It is interesting how you mention that finishing things is work I always have several projects going on at once It seems productive at the moment But the real productive thing to do would be finish one thing at a time Great challenge and inspiration to look at how I deal with my creative energy Steph says July 30 2012 at 8 47 pm Oh yes It s always easier and more fun to think about the new and exciting project than to finish the right there in front of you but requires so much energy to finish project Sigh Steph s last post On Not Wanting to Owe Anyone Elizabeth ReadySetSimplify says July 30 2012 at 9 49 pm I don t have the temptation to buy supplies as much as I have the temptation to simply move on to something else I do have a terrible time with finishing things cleaning decluttering projects books craft projects with the kids blog posts I ve been thinking I should have a month dedicated to unfinished projects sometime yes sometime Elizabeth ReadySetSimplify s last post The Big Toy Purge Part 1 SueTR says July 30 2012 at 11 07 pm Yes Yes Yes I too have this problem it manifests itself with house projects scrapbooking and memory keeping projects sewing projects and pretty much everything else I have been buckling down and finishing some things but the temptation to pick up project B while the coat of paint is drying on project A is too too overwhelming Congrats on the curtains I completely understand SueTR s last post this moment Marjorie says July 30 2012 at 11 07 pm I have project ADD too tehe I also noticed that sometimes when I m crunched for time which is every day all day that I ll jump around from room to room trying to clean without clear direction I think it s out of anxious nerves mostly Now I force myself to completely finish the bedroom before I move to the dining room for example It really helps keep me focused and gives me a good feeling of accomplishment I have 3 years of photos that need to tackled that the perfectionist in me can t seem to finish or start Meanwhile my mother in law wants photos of the kids and I can skim and print out 200 photos like it s nothing Weird Maybe I need to pretend the projects are for someone else I do have to say that there s nothing like throwing a party or having company come over to light a fire under your butt I ve gotten a lot of house projects done that way Wendy says July 30 2012 at 11 32 pm Yes I struggle with this Over the past two years or so I ve been diligently working at getting unfinished sewing and knitting projects under control I ve outlawed myself from buying new yarn and fabric until I have significantly depleted my stashes Fortunately my budget has shrunk significantly and this helps Also I try and make it a practice to take on projects only if they are going to be of use practical not just because they re trendy or cute Wendy s last post laundry on the line a clothespin apron Catherine says July 31 2012 at 12 27 am This is what I love about the internet at times So nice to find so many other people with the same issues I am not such a freak after all lol Soooo many projects and yep just keep buying stuff to do new ones I think I will nominate August and September as get it done months Well to make a decent dent in them anyway Catherine s last post Fabric samples from Spoonflower Holly says July 31 2012 at 12 32 am This really makes sense to me I have so many projects on the go and so many that I want to do I partially blame browsing Pinterest while holding a grizzling baby But I also have so many unfinished projects I never realised that yes they are actually clutter They clutter up my sewing room they clutter up my mind and make me feel bad about starting new projects that I want to do I m currently making an effort not to buy craft stuff unless it is to finish an existing project Yes I buy other bits sometimes but no way near what I used to Kimberley says July 31 2012 at 2 09 am Rachel One thing that this wise old sage knows for sure is that as you age you will begin to go back to one project at a time You will work on it until it is completed before beginning anew There are enough distractions and time grabbers in our lives We don t need to create them for ourselves Hang in there It will all get done If not it wasn t that important in the big scheme of things anyway Suze G says July 31 2012 at 6 15 am Oh I so relate Love the projects take time I ve been caught up in the when s As in when this is done then will do that Have recently come to realize that going through boxes of whatever or buying supplies for the next one for me is a project all in itself and I can choose to allow the time for that and just accept it Or make another choice Later needs to be now Always inspired here thanks Jennifer says July 31 2012 at 7 10 am So guilty of buying new supplies when unfinished projects loom large That might help to explain my ridiculous yarn and fabric stash For me it has to do with inspiration Finishing a long lingering unfinished project is hard because the inspiration has gone A new project beckons So inspiring to find a new goal gather supplies enjoy the new ness of it all until I m working on more consciously using the supplies I have I was doing very well with not buying any more yarn or fabric until a recent trip to San Francisco found me freezing and wanting wool around my neck I bought some yarn and needles both against my master plan alas and committed myself to a cowl which I forced myself to finish no matter what I m happy that it got me knitting again when I finished the cowl I immediately turned to an unfinished cardigan that I started months ago but I do wish I hadn t bought more supplies Back on the wagon Jennifer s last post Tomato pie Jo H says July 31 2012 at 7 38 am I find it s easier and faster to shop than it is to actually do the projects But you re right it adds to the clutter and the feeling of being overwhelmed Congratulations on getting your drapes started Well begun is half done to quote Mary Poppins Suzanne says July 31 2012 at 8 02 am I could have written this post It resonates that much Thank you for reminding me that finishing will feel good It s an esteemable act in my mind and once it is done I will have all that energy I have used to avoid and delay to dedicate to something else With finishing comes levity Brenda says July 31 2012 at 8 17 am This post really resonates With my youngest entering elementary school this year I will have one day a week to myself and already the list of things I want to do with that day is growing beyond all reason not just house projects but yoga classes museum visits starting a blog etc But before building shelves or other home improvements I want to try to purge one shelf at a time because i think there is actually a lot of space and storage waiting to happen if we can declutter it but the number of shelves and closets to clean is a bit overwhelming and will send me running out of the house to the yoga studio so perhaps picking just one shelf a week is the way to go a half hour at a time and i will still end up making progress Annette Lessmann says July 31 2012 at 8 47 am Well your post smacked me in the face I have a summer wall quilt to finish and today is free I will finish it Thanks for the reminder Amanda says July 31 2012 at 9 18 am Thank you for this post It was very convicting for me We re not doing a no spend month but we are in the beginning stages of a radical pay off the car plan I never thought I had an issue with overspending but I m finding that isn t true And one of my biggest weaknesses is starting home projects I do try to finish them but there are quite a few I have not And I justify why I needed to keep spending because it was good for the family right haha Again thanks for sharing this Amanda s last post An Update on the Past Six Months Kristin says July 31 2012 at 9 19 am I am guilty of buying things for new projects when I have 3 or 4 unfinished projects at any one time around the house Uncompleted projects at this moment include hang a small wall gallery finish the paint touch ups in the powder room finish the 2nd coat of stain on the fence make a book out of my wedding cards I have all the pieces to complete all of these projects but they just won t finish themselves for some reason Instead I am tempted to buy the sewing machine I ve been wanting and for what To have more unfinished projects lying around to taunt me I still want that sewing machine though Darn it Kristin s last post 20 days in 2 3 of the way through Essentials Only Month Kait Palmer says July 31 2012 at 11 08 am Hah I m in the exact same place in our house I just bought two canvas frames and painted them instead of finishing the quilt for my baby that I started a year and a half ago It probably would have taken less time to just finish that quilt And I have drapes I need to just cut and finish for our bay windows but have been waiting since April for my husband to remember where he put all the hardware A house is a constant to do hobby Kait Palmer s last post 52 Weeks of Tatum hsmominmo says July 31 2012 at 12 29 pm I can relate to many things you discuss in this post I too find it easy to run out and grab the necessary items for some great new project when really what I m doing is escaping from finishing up a project that is taking too long or not working out like I thought it would I do like the way you ve stepped back to ponder what you ve learned from

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  • The No Spend Month: the 3rd Week - Small Notebook
    pm We re still on track too I ve been doing more cleaning we ve been doing lots and lots and lots of puzzles and this week I only spent 19 on groceries thanks to a 25 Costco giftcard that Noel won at work Also I was in charge of a brunch for our women s group from church last weekend and so I took home the items people left behind including some baked goods a bunch of fruit and several big containers of yogurt So we ve had awesome breakfasts all week for free woohoo Love how as we buckle down the finances fun little freebies like that keep cropping up Jessica Quirky Bookworm s last post I ve Been Meaning to Read Suze says July 21 2012 at 6 01 pm Sounds like life when I was growing up in the 50s 60s except for movies We still had to go to the theater and pay 25 to see them My mom was probably glad to get us out of the house on movie days Suze G says July 21 2012 at 10 13 pm Another Suze here Cool We can t do no spend in July we ve been able to do January Soup goes a long way in winter Bronwen says July 27 2012 at 11 34 am I agree that a no spend seems like it would be easier in the winter than the summer I always spend less when I m in a routine and I m never really in a routine in the summer Unless you count a routine of unplanned trips to the ice cream store B I haven t done a no spend month yet but when I do I will try it first in the winter and then maybe try again in a different season Bronwen s last post Booker prize 2012 long list with wine gums Kelly Heavener says July 30 2012 at 10 06 pm When your kids are school agers it may be hard to do no spend month in July It won t matter if it is homeschoolers or going to public private school I am so glad that I bought the kids back to school stuff this month I am done The malls are packed I may plan for a no spend another month Winter is easy Stay inside and watch movies and read Congrats though Erica let why lead says July 21 2012 at 7 00 pm I love that not spending money makes little difference to kids It s not things that they want as much as time with us and taking money out of the equation probably allows you to spend even more time with them Good luck with the wrap up Erica let why lead s last post Grasscloth Roundup Lori In My Kitchen In My Life says July 21 2012 at 8 17 pm Glad to see you are over the hump or out of the slump as the case

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  • The No Spend Month: the Halfway Point - Small Notebook
    s last post The 10 Best Books I ve Read So Far in 2012 Naomi says July 15 2012 at 11 05 am While we don t eat out my youngest is allergic to wheat soy corn and food dyes and everything from restaurants comes off the back of a Sysco truck anyway we ve had to do some cost cutting around here At first I was monumentally resentful but then I embraced it It s really helped me prioritize my needs and wants Cheers Melissa Q says July 15 2012 at 11 24 am God bless you for being human Phew Alarwyn says July 15 2012 at 11 26 am You re halfway there And I guess I am too I have used a bit over half of my budget too but I think I ll be okay money wise for the rest of the month Meal planning has made all the difference for me because now I have no excuse not to cook because I know I have all the ingredients in my pantry fridge I m also very happy it s indeed in July I m doing this since at this time of the year fresh green things are so much cheaper than in winter And I also have more time in my hands to cook and so on Missing out on all those summer sales has been really hard too until I remember that I really don t NEED anything I have plenty of stuff to keep me occupied at home My mother wanted to buy me a couple of new shirts at a sale and I couldn t say no Now there s even less need for me to go spending my money But it s not always that easy to say no when you really really want to do buy something Rita thissortaoldlife com says July 15 2012 at 11 52 am I m not doing no spend month but I did have to go gluten free earlier this year Yeah it s hard and it s the extra planning that s bugging me more than the different food The lack of convenience We do like to eat out but my family s getting kind of sick of Mexican one of the few kinds of restaurants I can feel easy safe in eating at We went way over budget stupidly early this month because we were deep in home renovation projects and eating out too much because I just didn t want to spend the time that eating thoughtfully takes Yes I know there s value in the feelings but I sure don t enjoy them Glad to know I m not alone in them Rita thissortaoldlife com s last post Make your own DIY Solar ChandelierCheck out Kat s awesome gazebo lights curbside craigslist treasure Stephanie says July 15 2012 at 11 54 am Don t be discouraged You are half way there You know that you can do it You have done it in the past and you will continue to have a no spend month Thank you for sharing this part of your life with us I think we all can learn how to start our own No Spend Month Being single I need to every lesson on saving money Stephanie s last post Thank You Mom Heidi Adventures of a Thrifty Mom says July 15 2012 at 11 55 am I m going to have to look into the No Spend Month and seriously consider giving it a go It sounds like a real exercise and the lessons learned would probably go a long way to helping me out during the rest of the year How do you decide when you will take your no spend month Do you pick a month when you already expect your expenses to be low Heidi Adventures of a Thrifty Mom s last post The Verdict Jennie says July 15 2012 at 12 00 pm I really needed this Eating out is by far the hardest thing for us to stop doing We love the convenience no cooking no clean up just being able to sit back and talk while someone else brings us our food But I think I need to stop associating eating out with comfort Comfort should come from warm pajamas and hugs not paying other people to do your work for you Jennie s last post Putting Temporary Pleasures Aside Rachel says July 15 2012 at 12 05 pm Do you think food prices have gone up a bit since last year Is it harder to eat on 400 with children that are a bit older and maybe eat a bit more Interested to know Hang in there You re such an inspiration We re not doing a no spend month but doing a spend less summer We re trying to live on a bit less both to save more and to teach ourselves how to have fun without spending Thanks as always for your inspiration and honesty Rachel s last post Advice on Creating a Well Loved and Well Used Toy Collection Rhonda says July 15 2012 at 1 54 pm did you have vidalia onions by chance They are really mild and good in salad but not much flavor for cooking I so relate to your frustration We mostly eat at home husbands high blood pressure does not stay in check with all the salt in prepared foods It takes so much planning though and sometimes it seems that as soon as you finish cleaning up one meal it is time to start working on the next I keep cooking from scratch because if I want to keep my husband and myself healthy it is the only option Rhonda s last post Possibly the cutest brother shirts ever Gretchen says July 15 2012 at 2 39 pm Thank you so much for this I had a complete breakdown this afternoon We are doing No Spend Month two people 200 trying to find a church that will both welcome us and feed our spirits and I am on a tough rotation in medical school We are doing really well on not eating out meal planning across two households and biking everywhere to save on gas But I m hitting the wall Like you I feel annoyed when I feel deprived As students our budgets are already thin and cutting closer to the bone is just aggravating Especially in the summer when all I want to eat is produce and grilled meat I m out of flour sugar vanilla and low on cat litter and concealer Most of my work clothes need to go to the dry cleaner and there are non critical but valid purchases I ve been putting off for months bathroom storage summer quilt slipcover for the sofa All this to say that this process is MUCH harder than I thought it would be But this post made me feel much less alone Thank you I ll keep pushing on It is helping to focus me on the important things and to realize that I have been trying to fill the space in my heart with things and not God Our treasure is not here on this earth and will not pass away Alleluia Elle says July 15 2012 at 3 22 pm Thanks for being honest I know how annoying it can be because I have had many NO SPEND months since the start of the Great Recession Some things that have helped 1 Batch cooking This allows me to have several nights off from all out cooking My family also likes leftovers when I change the dish up a bit 2 Fridge googling The other day I made a delicious salad with black beans cucumber and onions as the main ingredients Who knew you could put those three together 3 Having potlucks with friends My family might be tired of an inexpensive dish we frequently eat but others will love it My family will also enjoy eating the foods that my friends families may have grown tired of 4 Knowing that my homemade meals are much healthier than the boxed processed stuff We re eating a lot more fruits and veggies and far fewer chemicals additives these days 5 Reminding myself that even with all this cooking I really have it easy My female ancestors had to build fires pump and boil water They were strong hard working women I will not shame them by being a whiny wimp Joyfulmomof6 says July 15 2012 at 4 06 pm Love point 5 Elle so true Even in the days before microwaves when women had to plan out their meals ahead of time So many conveniences make it easier to be lazy doesn t it Rachel I just love your honesty in sharing how things are hard for you I makes me feel like I m not so alone and helps me to continue knowing it s not really easy for anyone love reading all these comments We are not doing no spend month but I have committed to not going to yardsales or Goodwill which I was doing out of boredom until I have the whole house reorganized and have ruthlessly thrown out donated lots of junk that we don t need I almost succumbed to going to Goodwill just to look around when I needed to bring in some donations on Friday but instead I remembered that they have a donation drop off truck in one the shopping centers so I went there instead of being tempted I am also purging lots of homeschool things we don t need anymore by selling them online at homeschoolclassifieds com and putting every penny I make into extra payments for a home equity loan we have I ve got my 2 oldest teenage daughters in on my organizing spree they are reading your blog too and getting encouraged and it s really fun to be able to share it with them since they are my cohorts in our usual trips to Goodwill It keeps me accountable I want them to learn good habits that we don t need to just keep accumulating more things even if they are free inexpensive even though they enjoy being thrifty already Blessings Nanci Jessica Quirky Bookworm says July 15 2012 at 3 25 pm Our No Spend Month has been easier so far this year than any other I think it s because we cheated a bit we saved an Applebee s giftcard that my husband got in May and we swapped babysitting with my cousin So last Sunday night we had a perfectly free 4 hour date and it was awesome Just the perfect mid month break that we needed Also strawberries are on sale this week hooray That ll help my grocery strictness boredom We still have 120 left and only 10 more days so I think we ll be just fine Our NSM is running from June 26 July 26 Jessica Quirky Bookworm s last post The 10 Best Books I ve Read So Far in 2012 Trish says July 15 2012 at 4 02 pm It s a no spend month for me every month as I have only 100 left after I pay all my bills and I have to save that 100 for my in college daughter who needs it to pay her housing costs I cannot get any loans to help her as we are in foreclosure due to my lay off a year ago My husband still has his job and he pays all the household costs and his car I am doing my payoffs of car that is now with college girl It is hard but we find things to do that don t cost I sew and recently made a quilt for daughter s friend who just had a son Sold something on Amazon so there s the postage God takes care of us we just have to ask and believe Steph says July 15 2012 at 4 05 pm We usually do a no spend month in February because it s the shortest Steph s last post Weekend Links Christy says July 15 2012 at 4 08 pm Thanks for this post today I am not voluntarily doing a no spend month It is a necessity because we have five sons who are out of school and they eat a lot And my husband is a teacher so he is here all the time too Food eats up the majority of our budget all the time I am very grateful however for my parents who came in town a couple of weeks ago and helped us load up on some food at Sam s I really don t know what we would have done without their help I will graduate from college in December starting 22 years ago and will hopefully find a great job However after staying home all these years with my kids and learning frugality can be a way of life I think I ll always use budgets and coupons I appreciate your blog I wish I would have found it a long time ago so I wouldn t have felt alone for so long Thanks Sandra at Thistle Cove Farm says July 15 2012 at 4 40 pm It s always the margins in my life that either allow feelings of calm and peace or slam me over the edge into negative emotions You re doing well and here s an ATTAGIRL for managing your family s lives so they also do well Yes it s hard yes we get annoyed and yes rants and raves make us feel better sometimes I m trying to figure out how to print coupons off the i net and not having any success It s at times like this 24 7 365 I really really miss Dave Sandra at Thistle Cove Farm s last post Work Work Work and rain Erica Northwest Edible Life says July 15 2012 at 5 14 pm I feel ya I feel like my life has been low emotional margin since my hi energy no sleep son was born almost two years ago I bagged out on No Spend July on my blog after I got in a wreck in late June Everyone was physically ok but both kids were in the car I was super rattled for weeks by the accident still am kinda and my car was totalled out In that context saving a few hundred dollars on groceries just didn t seem particularly important anymore And I didn t have the energy even if it had seemed important I see that lack of buffer in myself too It s like as long as everything goes fine I m fine But the minute something isn t fine I m not either My patience is perpetually worn thin And it s for similar reasons to what you ve mentioned here feeling a lack of control a lack of progress and for me a seeming inability to get completion on anything Anyway a good post Only 16 more days and then you can go get a haircut Erica Northwest Edible Life s last post The Personality of Perennials Tammy says July 15 2012 at 5 28 pm Kudos to you for having the courage to do a no spend month I haven t quite gotten there yet Maybe in February Maybe I ve been feeling your frustration with the whole have to prepare meals at home thing but it s based on my daughter s allergies Soy dairy and of course she s now deathly allergic to peanuts too The one thing that is saving my sanity right now is the bread maker They are a huge help with controlling the ingredients and keeping the cost down I can make a gluten free load for 1 05 Canadian dollars it s probably cheaper in the US Keep up the good work and know that there are a bunch of us out here cheering you on Holly says July 15 2012 at 5 39 pm Lack of margin and cushion indeed I feel that way now toddler and three month old and no time to myself nancy says July 15 2012 at 5 43 pm I am going thorugh a radom number of no spend months but this one is a little harder than usual Our last dog passed away from a tumor several years ago she was 17 and lab s get tumors even the benign ones We decided for the last several years not to have a dog we still have 3 cats ages 22 and two who are brother and sister at 11 Then we went out to the store one evening when it was raining and there sat a dog in the rain looking lost I told my husband if she was there when we came back through we would stop and investigate I always keep dog and cat food in the car She was there and the next day and the next Rail thin we fed her again and I promised myself to call the dog catcher I drove by just to check with some dry cat food in the car relief swept over me that she wasn t there and I had forgot my phone anyway I went to the store to pick up onions of all things and I picked up a bag of dry dog food Drove by again and she wasn t there and the dog next door eats anything On his way home from work my husband stopped and left his car door open to check he looked around and went back to the car where she sat in the back seat pretty as you please waiting for a ride home I didn t have to give the food to the neighbor but blew my budget

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  • How to Reduce Your Budget in the Beginning - Small Notebook
    month is a great idea Especially after coming home from a day of spending Sigh Suze says July 6 2012 at 5 21 pm There was a time in my life when I spent out of boredom And loneliness And got way into debt And found a spiritual way out and found friends and my husband and work I like and projects I enjoy that don t cost too much money I became an expert on free fun which can always include a trip to the library instead of the stores What helped me cut spending was writing down every single thing I spent money on from a 1 29 or more now on soft drinks to the big things like rent at the time Because I didn t want to write it all down I stopped spending so much And the other key for me was No Plastic Just green real money currency and coins When that was gone the money was gone These days I cannot imagine shopping out of boredom life is too full and too short LOVE the concept of keeping good food to eatin the house to keep from going out Mel TheDizzyMom says July 6 2012 at 5 22 pm This is totally on point I LOVE it I d rather spend money on good food than anywhere else I recently made the decision to stay home with my children I had to go through the budget process and trim our expenses I refused to trim our food budget so low that we d have to eat out of boxes So I trimmed in other areas Mel TheDizzyMom s last post 4th of July Treat Melanie says July 6 2012 at 6 15 pm I agree with you on the coupons I rarely use coupons because I don t want to spend extra time in the grocery store I will try to find coupons online for the more expensive items I buy for example a new Swfter Sweeper I am in a position now where I am not working and enjoy making food from scratch My freezer is empty except for the portioned meat My husband and I usually eat out two meals a week and one iiis at Costco Angela says July 6 2012 at 6 48 pm I love your perspective Others will judge when you have nice foods around but I know it keeps us at home more Ive been bugging my husband to try a no spend month and I think it ll help to show him this post Sarah says July 6 2012 at 6 53 pm I totally agree about the coupon thing I used to religiously cut coupons and then we changed the way we eat I realized all the things I was buying with coupons we didn t purchase anymore It was so easy to quit doing it too Sarah s last post Triple Star Rustic Quilted Wall Hanging by CurlysQuilts Lydia Thrifty Frugal Mom says July 9 2012 at 8 31 am I m convinced that the whole idea that you can t use coupons on healthy food is one of the biggest coupon misconceptions ever I buy VERY little processed food but use coupons all the time and save a bundle If you buy cheese sour cream cream cheese ketchup canned beans almonds produce organic at that or canned pineapple then you could be saving with coupons Those are all things that I frequently buy using coupons and get them for LESS than I can get the same item buying store brand And honestly it doesn t me much time each week at all Feel free to email me for a few tips to keep it short and sweet And what about non food items like Kleenex toilet paper and toothbrushes I get those free or very inexpensively all the time thanks to coupons I think that we eat very healthful I almost always cook from scratch and our snacks consist of things like nuts raisins apples etc You really can save on good food too Jenni Life from the Roof says July 6 2012 at 8 34 pm These are great tips I would also add that for some the question of where to trim your budget becomes harder as you ve been doing it for awhile and can t go any lower in any category My husband is in law school now and we regularly look over the budget to see where we could cut but we really can t w three small kids We ve already switched to one car cloth diapers etc Jenni Life from the Roof s last post Easy Spice Mixes Monique says July 9 2012 at 3 24 pm Thank you for that acknowledgement Jenni Some people seem to think that if you would just do it their way you wouldn t have financial difficulties Buy that us lot always the case That being said Rachel and everyone else thanks for the tips on saving money It s always good to step back and see if that really needs to be spent Denise C says July 11 2012 at 10 02 am It s always good to step back and see if that really needs to be spent I love this statement do much I wrote it down and have it stashed in my wallet Thank you Meleah says July 6 2012 at 8 38 pm Thank you so much for this post My husband just recently got a new job which gives us a bit of wiggle room Our priorities are paying down school debt and saving so we didn t want our extra money each month to get wasted But We did decide to up the grocery budget a big because it was just too tight We also changed our diets recently to gluten free dairy free and you re right about coupons Many products we are now eating are not offered in coupons Reading this post helped me feel like maybe we are doing the right things and it s good to hear that there are other people out there who are tempted to eat out when the pickings at home are slim Thanks for the post Theresa says July 6 2012 at 8 40 pm I m glad to read that you keep good food in the house as well My husband and I are working on our budget and neither of us wants to change what we eat because we ve finally got to a point of eating healthy at home I do use coupons but for none food items mostly cherie says July 6 2012 at 9 02 pm Great post and great point making staying home attractive will immediately reduce other costs yet it s the first thing folks talk about what good is saving fifty cents with a coupon on jun kfood if you spend 5 on a latte mumspk says July 6 2012 at 9 56 pm Hello from downunder We don t have as many coupons and things in Australia or at least I don t seem to get them So recently when we had to trim our budget we started with things like insurance too My husband is not keen on losing our second car so we are now having to stick to a strict grocery budget We eat well mostly but the biggest change will be meat We are going to have find ways of being creative without it or ways to use the cheaper cuts It s certainly going to be interesting mumspk s last post Smart Reads School holiday ideas Shannon K says July 7 2012 at 1 06 am I have found this blog amazing I m 25 and currently expecting my first child I m 5 months pregnant now and am on a mission to cut my spending My husband and myself both work full time and still at the end of the month I find that our funds are low and ive narrowed it down to boredom spending With trying to get ready for our baby we need a change I m look forward to trying the no spend month this month and am hoping for the best Ive tried everything including coupons but I find that most coupons are for foods I don t eat and mostly unhealthy foods anyways so I stoped that I try to keep a strict grocery budget but those random trips to target are what get me everytime boredom spending so target will be cut out thanks for all the great advice wish for the best Lori In My Kitchen In My Life says July 7 2012 at 6 09 am I completely agree with you about the grocery budget if it is at all possible to keep a few luxuries We have had times when it was not and we certainly survived but I think it often causes a boomerang effect when one trims it too severely too fast If one DOES need to subsist on a very limited food budget and if it is possible to grow a few herbs in a little strip of ground or a few pots I found that helped more than anything to keep our meals interesting Beans with rosemary one night beans with sage another Also spice mixtures can sometimes be gotten very cheaply at dollar stores and they aren t bad at all Lori In My Kitchen In My Life s last post Cerebral Homemaking Part 2 Please Lie Down on the Couch and We ll Begin the Analysis Sarah says July 7 2012 at 9 31 am First of all thank you for this site It s given me hope that I can succeed in my quest to live well for less I ve wondered if I could at times I m re inspired so thank you My family is also dairy and gluten free and like you I find it difficult to find coupons that apply to the foods we eat However I have found the Thrifty Mama to be very helpful She sends coupons for healthier options that I would not have found on my own Thought you might find it helpful too Please keep posting food entries I love them Blessings Sarah Esther says July 7 2012 at 9 37 am I just wanted to thank you for your post We are on the Dave Ramsey road to debt free living and we have fallen off the wagon in recent months This post was written with such honesty and non judgement I love your small steps approach It makes this overwhelming task doable Bless you LisaZ says July 7 2012 at 11 55 am Great advice I have the exact same experience with the grocery budget We need to eat well like your family due to allergies and health reasons and I find that if I skimp too much on groceries we end up paying for it later by wanting to go out to eat more or treating ourselves in other ways or not feeling well Starting in places OTHER than groceries is a wonderful idea LisaZ s last post A Reminder To Myself About Iced Tea in the Summer Trish says July 7 2012 at 2 52 pm I was laid off last June and have not had a paying job for over a year now I have no money coming in so not spending is easy My husband works very hard as a salaried store manager read long hours and he has to pay the rent utilities food fuel car payment everything I keep our home and sew trying to sell things I make on Etsy It is a fail so far but I will keep trying Meanwhile not buying anything is really not that hard when you don t have any money Just keep busy and it is not missed nancy says July 7 2012 at 3 20 pm I call what I have done the fat down or cutting the fat from everything we do We are empty nesters but when the last one left home didn t even think of cutting down on buying just kept on keeping on until we sold the old house and downsized and that is when my husbands job was downsized Horrible I cried looked around at the still unpacked boxes and wondered do I have too much and the answer was yes I unpacked and had a huge garage sale of pictures furniture glassware I don t drink wine why so many wine glasses clothes shoes and even out door stuff Wow what an honor to have an empty room with nothing in there no bed dresser night stand or clothes on the floor And we found out love what you buy and buy what you love we put the one year rule on everything in the house If you haven t used it in a year it goes The last thing to go was food My husband found another job and it pays well but we still have a house note house insurance saved 400 by bundling house and cars credit cards are paid off and gone gone and gone only one left So food is the last one to look at and boy was I taken back by what we buy because because we don t eat that use that or want that I don t use many coupons but one I found form HEB when they put canning jars on with a 2 off a case in store coupon I make jams and jellies no preservatives can green beans with green beans carrots and onions freeze okra with tomatoes not everyhting from the garden is lush and beautiful onions basil and dehydrate other veggies for later use Try dehydrating cucumber slices for use as chips instead of potato or corn chips I also purchased a Food Saver for meat and veggies a few years ago and those coupons came on But you are right there are no coupons for veggies and I have to watch soy products and flour I also sew Did I mention I do not work So like Trish I have become very frugal Thanks for the nice recipe Have to try that one on the grill Tracy Selle says July 7 2012 at 5 12 pm Wow I ve really been working to cut our budget recently and guess where I started I never thought of it this way but you re right I love this new perspective By the way I ve been reading your book and I absolutely love it I ve learned so much about blogging and writing but also about time management And as dorky as it sounds I feel like you re a new friend When I finish your book I plan to send you a quick thank you email Tracy Selle s last post American Ninja Warrior Show Kyle Cochran Sheri says July 7 2012 at 10 00 pm Hi I m a Minimalist blogger and I really enjoy your site I ve nominated your blog for the One Lovely Blog Award Here are the Rules of Acceptance Thank the person people who nominated you and link back to them in your post Share seven possibly unknown things about yourself Nominate 15 or so bloggers you admire Contact the chosen bloggers to let them know you have nominated them and link back to them Sheri s last post One Lovely Blog Beth says July 8 2012 at 7 53 am Thanks again for no spending month I don t include food because we need to be healthy and happy I agree good food at home stops the extra food money I am enjoying the feeling that there is nothing I need this month Beth s last post A Crochet Rescue Susan Being Snippy says July 8 2012 at 8 09 am I really love reading your blog for its great ideas in 2009 my husband lost his job after 18 years We learned rather quickly the areas to cut out spending The only clothing I bought for two years was socks and underwear You sure can t stop eating I discovered internet recipes instead of buying cookbooks So many ways to cut back on things Andrea says July 8 2012 at 8 35 am Fantastic post and comments as always Unfortunately groceries have really gone up in the last few years and I do spend more on food maybe than some but it s really important to us due to health reasons and we eat very well I would rather cut back on other areas I haven t done Starbucks in months we rarely eat out so it truly is a treat we never go see a movie I mean let s be real most of them are renters anyway and it s just so expensive As embarrassing as this is I ve quit going to Target for my recreation That is my weak spot I live 5 minutes from one and at least twice a week I d think I need to get out of the house I ll go to my happy place I was spending a lot of money on things we don t need and on clearance items Those end caps are the best What I do now is keep a list on my fridge of things we NEED that I buy there mostly toiletries and I go on my way to the doctor or dentist office where I have maybe 10 minutes to get in and out and get only what s on the list And that has done wonders for our budget and spending It sounds silly but it has really worked Denise C says July 8 2012 at 8 11 pm I am in the same boat you are There is a Super Target 4 minutes from my house I

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  • 7 Ways to Stay Open with Your Spouse About Finances - Small Notebook
    htm In terms of day to day ideas I ve found that by using mint and making sure my spouse has the password he can see all the spending Jennie says April 12 2012 at 10 37 am Oh now I feel guilty In our house it s usually Travis that handles all the finances because he is definitely the more economical one I ve been working really hard at it the last few years but we could do more to be on the same page Thanks for the reminder Jennie s last post Stranger Danger Harriet Archer says April 12 2012 at 11 53 pm I am the Chancellor of the Exchequor at my house The bloke is a bit see it spend it and therefore not to be trusted with money He copped a right bollocking from me when he whizzed off with half the money put aside to pay a credit card bill and has learned his lesson So we have his hers ours bank accounts He can do what he likes with his money and has to ask me for more even though he earns more than me he doesn t mind He also does not know the password to my bank accounts although he does know I have two and if I was run over by a bus tomorrow he would be able to get access to both accounts fairly easily as I have set that up directly with the bank I pay as many things as I can with fortnightly direct credits from my bank account that I have set up this means I can change them at any time the rest of the bills come out of my other account We have all current bills and financial documents in one spot and the last two or three years are all together in one other spot We do have a very vague budget and I normally know to within 100 what the credit card will be before I get it We use two banks one for internets and one for everything else The internet one is solely in my name as I was uncomfortable with shutting down everything when we started living together too many horror stories of people having one account and him running off with the secretary AND the bank account We discuss big purchases like appliances and will tell the other one when a larger than normal purchase is planned Harriet Archer s last post Vegetarian Lasagne Donna says April 13 2012 at 9 57 pm Great topic And so important As I move toward the high end of the 60 s I think about how my hubby would manage in life without me if I go first We have had The Talk several times Where this is Where that is We go to the bank to place things in our safe deposit box together He knows who to call I know who to contact We each have an AMEX card

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