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About Me:

Cindy

We're debt free! Well, almost. We still owe on the house, but that is our only debt.

We started the Dave Ramsey Baby Steps in October 2005 with $39,289 in credit card debt. It took 42 months to pay it off - and it was the best thing we've ever done.

Right now our goal is to have 3 months basic living expenses (baby step #3). We also want to to pay off the house and retire! I need to SAVE and be FRUGAL.

Dave Ramsey's Baby Steps
We didn't learn about Dave Ramsey until after the kids were done with college, so we get to skip baby step #5.
[x]1. Build $1,000 EF
[x]2. Pay off debt
[ ]3. Build 3-6 months EF
[ ]4. Invest 15% for retirement
[x]5. College Fund
[ ]6. Pay off the house
[ ]7. Build wealth

My Ten Goals for June 2009

[x] Visit with our new financial advisor
[ ] List 10 items on Craig's List and/or eBay
[ ] Get two auto insurance quotes to compare to existing policy scheduled to renew July 7th
[x] Get lawn chairs for cook-out on the 7th (POSTPONED)
[x] Host cook-out for friends on the 7th
[x] Make Father's Day cards for dad and dad-in-law, and maybe hubby too
[ ] Stain all three decks (right side, back, and left side)
[ ] Plan menus for the entire month - IN PROGRESS
[ ] Start a compost bin
[ ] Avoid the icy cold beverages on sale at the registers when out shopping - TRYING REALLY HARD

Baby Step #3 progress
Current savings: $1,000
06/30/09 goal: $3,000
07/31/09 goal: $5,000
08/31/09 goal: $7,000
09/30/09 goal: $9,000
10/31/09 goal: $11,000
11/30/09 goal: $13,000
12/31/09 goal: $15,000

My Pages

Electric Bill

May 29th, 2009 at 12:34 pm

Don't you just love it when you open your electric bill and discover it's less than you budgeted for?

I'm very excited right now. I just opened my electric bill and it's only $116. I had budgeted $164 this month; so that means I'm adding $48 to my savings! It's like extra cash.

Now I'm trying to figure out what I did different this month to bring the cost down so much. It's got me thinking of all sorts of things I can do reduce this bill even more.

Posted in Budgeting, Saving Money | 4 Comments »

4 Responses to “Electric Bill”

creditcardfree Says:
May 29th, 2009 at 01:26 pm 1243600011
1243600011

Congrats on the lower bill. Gotta love it!
Ima saver Says:
May 29th, 2009 at 03:19 pm 1243606749
1243606749

I keep my hot water heater turned off and only turn it on 20 minutes before I need it. I have a 3200 sq. foot house (with 3 refrigerators) and my electric bill was $77 last month.
smiley2009 Says:
May 29th, 2009 at 08:19 pm 1243624783
1243624783

Yes I agree with you my electric was $47 i budgeted for $80.
PottersClay Says:
May 29th, 2009 at 11:52 pm 1243637539
1243637539

I love hearing about those double digit electric bills. Mine has never been below $100. We have a propane hot water heater so that doesn't affect our electric. Our biggest "power hog" is our hot tub. It costs about $15/month to run, but we won't give it up. In the meantime, I keep turning lights off and saving wherever I can.

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PottersClay Personal Finance Blog

Electric Bill

4 Responses to “Electric Bill”

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