Comments on: A New Year and a Financial Fresh Start for 2009! http://www.themomcrowd.com/a-new-year-and-a-financial-fresh-start-for-2009 Tue, 09 Mar 2010 21:20:45 -0600 http://wordpress.org/?v=2.8.4 hourly 1 By: Melissa http://www.themomcrowd.com/a-new-year-and-a-financial-fresh-start-for-2009/comment-page-1#comment-47673 Melissa Fri, 02 Jan 2009 06:31:00 +0000 http://www.themomcrowd.com/a-new-year-and-a-financial-fresh-start-for-2009#comment-47673 2009 is the year of physical improvement for me...my husband has a few other things he'd like to work on this year. Money was HUGE for us in 2007 (working for a financial planner at the time really helped), but we have since paid off three credit cards and a car. We have a way to go as far as debt repayment, but we're not accruing any new debt anymore. :) I'd also recommend mvelopes.com if you're looking for a way to use the envelope system without giving up your debit card and checks. It really helped us to set a budget! 2009 is the year of physical improvement for me…my husband has a few other things he’d like to work on this year.

Money was HUGE for us in 2007 (working for a financial planner at the time really helped), but we have since paid off three credit cards and a car. We have a way to go as far as debt repayment, but we’re not accruing any new debt anymore. :)

I’d also recommend mvelopes.com if you’re looking for a way to use the envelope system without giving up your debit card and checks. It really helped us to set a budget!

]]> By: Dawn http://www.themomcrowd.com/a-new-year-and-a-financial-fresh-start-for-2009/comment-page-1#comment-47562 Dawn Thu, 01 Jan 2009 22:44:27 +0000 http://www.themomcrowd.com/a-new-year-and-a-financial-fresh-start-for-2009#comment-47562 Love the ideas. We had a Christmas fund all year long in '08, and it was AWESOME. Actually, it was "gifts" - not just Christmas. In January, we estimated how much we'd spend on each other and all family members for birthdays, mother's/father's days, holidays, etc. Then we divided it by 24 and took out that amount each paycheck. We went over a little - unexpected gift needs or postage is hard to plan for - but it was WAY helpful. Always nice to have a little pool of money anytime someone's b-day rolled around, and especially at Christmas. I recommend this for everyone, because it is totally a stress-reducer!! Love the ideas.

We had a Christmas fund all year long in ‘08, and it was AWESOME. Actually, it was “gifts” – not just Christmas. In January, we estimated how much we’d spend on each other and all family members for birthdays, mother’s/father’s days, holidays, etc. Then we divided it by 24 and took out that amount each paycheck. We went over a little – unexpected gift needs or postage is hard to plan for – but it was WAY helpful. Always nice to have a little pool of money anytime someone’s b-day rolled around, and especially at Christmas. I recommend this for everyone, because it is totally a stress-reducer!!

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