Dragonfly Keep A Quirky Journey of a Redheaded Life

No Spend Freeze Update

August 28

Opt-Out of Mail Order Catalog Day

August 18
photo by merelize via stockvault

photo by merelize via stockvault

 

In the spirit of No Spend August, I’m giving two ways to lower your junk mail and mail order catalogs. You’re welcome.

For junk mail, click the link FTC Consumer Information

For catalogs, click the link Catalog Choice

 

 

 

Thrift Shop Day

August 17

I love going to my local thrift hops (they are hops cuz I have like four within my community. As much as this spending freeze is liberating…I do miss my thifting.

image by lissy using RhonnaDesigns app

image by lissy using RhonnaDesigns app

 

Baby Step 2 – Eh

August 15

Debt. It’s my least favorite four letter word. It’s a virus that is far worse than my chronic illness. It can keep you up at night, sick with worry and angst.

It’s not easy to dig your self out. In a world of instant coffee to instant news, we want it to go away…right now, quickly, be done and gone.  Sadly, it didn’t take me over night to get into debt so guess what? it’s going to take a bit to get out of it.

I’m just about half way through a ten plan to rid myself of debt. Since discovering Dave Ramsey, I’ve been working Baby Steps 1 and 2 for what seems like an eternity.  Bright side is, each move that debt gets lower.

You gotta do the work!

Designed by Dooder - Freepik.com

Designed by Dooder – Freepik.com

 

Book Lovers Day

August 9
image by jixue yang via freepik

image by jixue yang via freepik

I come from a family that loves to read. My dad liked political thrillers like Tom Clancy. Mom – she loves her Louis Lamour and just about every mystery writer has a place on her shelf. Sis, Sci-Fi, mystery and JD Robb. Me…romance novels. I totally blame it on my favorite book of all time, Jane Eyre.  I’m enjoying my umpteenth read of this book by Charlotte Bronte this month. I am part of an online book club I was introduced to by my friend Ms. M.

What’s your favorite book of all time!?

Baby Step 1

August 4

When I wrote my Gathering Acorns post, I had just started using the Acorns app for future use down road for investments. However, I changed my mind. (I’m a woman, it’s what I do). Instead, I am using it as a way to grow my Emergency Fund to $1k. I am 1/3rd the way there…and I haven’t touched it! I’m actually very happy about this. Growing money ain’t easy!

image by renate kallock @ freepik

image by renate kallock @ freepik

 

 

Is it cold in Here?

August 1

Are you ready? Today starts the Spending Freeze challenge!!! Meals are prepped, all income for pay periods are accounted for and my cash flow is to zero. Let’s get this party started!

Just a quick reminder, follow me on Twitter for some daily commenting on this journey, plus there will be an upcoming YouTube video reviewing how I’m doing on my first ten days of the freeze.

We. Can. Do. This.

#DFKFreeze2016 #31dayslwsz

#DFKFreeze2016 #31dayslwsz

My Do’s and Don’t for This Month

Do –

  1. Cash Flow Budget Loaded into Everydollar
  2. Since I am not participating with the “Eat Only From Your Pantry”, I will be menu planning my breakfast and lunches. Due to my family situation, groceries are part of my cash flow and I do not consider that spending, it’s a budgeted item
  3. Consider this a game, the goal is to save at least $100 to add to my emergency fund.
  4. Have fun.
  5. Use what you got.

Don’t

  1. Don’t give in to deprivation thinking. This will make you spend.
  2. If you are stressed, go for a walk
  3. You can shop, you just can’t spend.
  4. Keep a daily log if you need to see what you may have spent that day.
  5. Don’t use sink funds to pay other items.

Here we go!

#onebookjuly2016 – Finale and Chit Chat

July 31

And we are done! Now the question remains, do I continue with the hobonichi or run back into the arms of my Midori Traveler’s Notebook??

 

 

What am I doing now?

July 26

This was going to be a post on how frustrated I am with my illness and how it gets in the way of my “life”. I trashed it. Fact is, I’m ill and it’s frustrating. I had to remind my self, “take it day by day Lissy.” Nothing grows over night unless you have some magic beans and there’s suddenly a bean stalk right outside your door.

So I must remind myself…

7_26_16

It’s All About the Dailies

July 24

Here we are again with a YouTube on my most favorite subject…planners.

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