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Blog: chrystal's fight to own a home!

A frugal woman's dream to own a home while the prices of everything rise!

Showing 6 posts from March 2011 for this blog.
Cutting up Credit Cards..finally
Wednesday, March 30, 2011

A few months ago, I asked my Dh why do we have these? i meant our two CC's he simply looked at me and said i don't know dear , they are in your name and i can't use them?! How fair is this i thought, i have 2 CC's and he has cash!! and every time he buys something for him self i get upset at him and in all reality i have a balance owing on my CC's every month for frivolous purchases i hide from him. I decided this was enough! and made him cut them up right in front of me. Does honesty run deep after 5 yrs of marriage? I'm not sure but i will say this , debt drags families farther apart and yet we hide things from each other each and everyday willingly. I hope to have our balances paid off very soon and get rid of the dishonest heart i have been holding on to. God bless

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Double chocolate cookies
Sunday, March 13, 2011

here is a recipe i use all the time for my family. The trick is to not over back these cookies they are soft and chewy!.

Preheat oven to 350 F

1 cup white flour

1/8 cup cocoa powder

1/4 tsp baking soda

1/2 tsp salt

1/2 shortening (do not subsitute for butter or margarine)

1/4 cup brown sugar

1/2 cup white sugar

1 egg, beaten

1 teaspoon vanilla

1 cup semi sweet chocolate chips

Sift together flour cocoa powder, soda and salt . Cream shortening and sugars together. Add egg and vanilla. Blend thoroughly. Add sifted ingredients blend in chocolate chips. Drop form teaspoon onto cookie sheet. Bake for 10 mins (do not over bake) makes 24-48 cookies depending on size.

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Emergency savings 6-8 months
Wednesday, March 09, 2011

We have been hearing a lot lately about having a cushion, an emergency saving's fund. Have you thought about this? supposedly to be safe in ones own home you should ideally have at least 6-8 months of bill money/survival money stocked away. For us this would mean that if we were to do this it would require us to have 9-10k saved for a real emergency, this being medical, job loss ect. this does not mean saving for a vacation (just cause you want one) Hard work! It will take us, mind you no bumps in the road should come along at $500/month for 15 months. It is almost scary! that means no extra's no emergencies. like sick days with no pay . No extravagant presents, and most of all no more CC debt! 

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Feeling the pinch
Saturday, March 05, 2011

This morning at breakfast my DH informed me the price of gas was about to rise again. this time for good. And get ready because the price of food would increase as well. I was alarmed but thought ok, this is going to be later not sooner. Yikes we went for groceries today and already everything we boutght last week, has increased in price by at least 5-10%, hardly a staple in the cart, and hardly a meal to make with anything and we spent $95.00 guess starving is the new skinny!. Milk is up from $3.99/litre to $5.69/litre! in one week! meat..yikes i won't even go there! A pinch i would not say a pinch but a sunburn ! Hold on to your checkbooks people this one's gonna hurt like hell!

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Homemade bread/buns
Friday, March 04, 2011

I have started making my own homemade bread/buns on a weekly basis now. I am by trade a baker so the skills are natural to me!. It costs so little to store a bag of flour and yeast to provide my family with chemical, preservative, additive free breads. I enjoy the time it takes to make it, love to watch it rise and rise again and the smell in the house can't be found in a store!  HUGS to all

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Husband's Injury
Thursday, March 03, 2011

For a few years my husband has suffered from a torn shoulder ligement, causing partial paralyzes to his left arm. There are times when he can't even pick up a glass of water, toothbrush or drive. Since the waiting list for his surgery to partially repair the tear is so long, we have had to deal with the effects of this damage for many years.

He has made a Doc's appt. and we are in the process of filing for disability (partial) I fear they will cut his job every time he calls in a says he can't come in. Scared to be a wife, not sure how to say when he is hurting, we need his income or we loose everything! If they cut his job we have hardly any income, never mind going anywhere for a trip, just trying to survive! the possibility of selling our 4x4 has run through my mind and becoming a one vehicle family.

My family not supportive at all, thinks just because we own a house we should fix it up, paint, do Reno. I can hardly go three days without worrying about lost of wages. Scared to death! pray for us please

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