My weight loss progress.

Saw this on Facebook. It explains perfectly how things are going…..

A dress has been purchased.

Here it is! I spent the whole day with a very good friend trying on dresses. This one, by far, looked the best and is very comfortable.

 (To see a closer version, click on the {via} to go straight to site)

I also purchased earrings, a bracelet, a clutch and shoes to match.

Whew. One BIG thing off my ‘to do’ list! :)

What do you think?

Just the push I needed.

Cutting-Costs

Feeling the squeeze….

Since there is a good chance my income will be going down, or even gone, I have decided to finally follow through with some cost cutting ideas I’ve had on my ‘to do’ list for a while. (I’m doing some of these things even if I keep my job or find another!)

It’s hard to find significant savings in my ‘fixed’ bills, but I managed to find a few.

1.  Insurance.  Total savings: $241.00/year

  • Car Insurance.  I signed my husband and I up for a defensive driving course ($19.95/each).  Once completed, we will be saving $241/year.
  • I will be re-shopping my car insurance in June, hoping to find some more savings.
  • My homeowner’s insurance doesn’t come due until January, so I have November tagged as the month to start re-shopping that.

2.  Cable/Internet/Telephone: Total savings: $1,320/year

Our monthly cost for cable/internet/telephone is $134.99, plus $40 for rental equipment.  Add in taxes and fees, and our bill runs about $200/mos.   I know I can do better with this, so I called Verizon Fios and received some pricing for different plans:

  • Internet and phone: $89.99 (w/two year contract)
  • Internet only: $79.99 (w/two year contract)
  • Triple Play (what we have now): $114.99 (w/two year contract) They offered a $20/mos. discount.

My husband and I both enjoy our laptops.  I use it to read blogs, watch YouTube, or enjoy shows on Netflix and Amazon Prime.  I can actually do the same thing on our big screen.  We rarely watch TV, except for the shows we DVR.  Getting rid of cable is a HUGE savings, one that I believe it is time for us to do.

3.  Electricity & Gas.  Possible savings: $480/year

  • Our electric company offers a small discount for not using electricity during a certain time.  The difference is very small, however, and there are some drawbacks to the policy.  I will have to call to find out more about it, but if it sounds good, there will be some potential savings on our electric bill.
  • Once kids are back in school, I will close off all of the bedrooms except ours.  This should save us significantly on heating the house.

I have a lot more leeway with my variable bills, as long as I am disciplined.  Here are a few of the ways I’ll be saving some more cash:

1.  Gasoline.  Likely savings: $1,200/year.

This one is sort of easy.  If I’m not driving to work, I am saving money on gas.  Period.  In the meantime, I’ll make sure I run errands 1-2 times a week, to give this category a jump start.

2.  Groceries.  Potential savings: $3,000/year

It’s just going to be my husband and I starting August 16th.  We both decided that we will eat less meat, more veggies, and no processed foods.  It should make the grocery bill drop significantly.  Our plan of attack is as follows:

  • Make a list.
  • Plan out meals.
  • Buy whole foods.
  • Eat less.

3.  Subscriptions. Savings: $360.00/year

  • As I typed this out, I cancelled my WW’s online.  I’m not using it.  I don’t want to pay for it.  Also, I’m cancelling the Washington Post.  I can get most of my coupons online anyway, and my husband stays current online.  To be honest, I HATE reading the paper and news.  It depresses me.  My husband keeps me informed on a must need basis.

Total savings for the year: $6,601.00!

I’m sure I can come up with more ways to save, but I think this is a good start.

How have you saved money on your fixed expenses?

 

Time to go shopping.

weight1Okay, the mother-of-bride dress came in and I tried it on.   Although it fit and was flattering to my larger figure, the color was washed out and it looked more like a dress I would wear for another occasion.  My family agreed.

So……time to go shopping.  And not just for a dress for the wedding.  Yesterday I cleaned out my closet and pulled out my spring/summer clothes.  Considering I was a good 10 lbs lighter last year, it was no wonder that NONE of them fit. :(

I am still going to try to lose a few pounds, but decided I will purchase a few things for the weight I am now.  I don’t want to stress over how I look for the next couple months, especially when I can’t zip/button my pants.  Sigh. 

Anyone else struggling with a spring/summer wardrobe that doesn’t fit?

My family in four generations.

Since my Mom, my daughter and granddaughter were here for the bridal shower, we thought it might be a  perfect time to take a four generation pic.  It wasn’t formal,  just a quick picture before the shower began.  Seems a bit surreal for me, since it seems like only yesterday I was taking a picture with my Mom, grandmother, and my daughter for the same ‘four’ generation picture.  The only difference now is that we’ve all shifted up a generation…..IMG_1704

A quick update.

bridal-showerIt’s here! Bridal shower week-end!  I’ll be MIA for a couple of days to enjoy my family and friends.

I’ll be back to a normal blog posting next week.  I’ve been given some awesome opportunities for give-aways, and I can’t wait to share them with you!

Have a GREAT weekend!

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