October Frugal Chatter - Harvest the Savings

[jasperandchar]

let's see:

MrsSunshine
October goals.. hmm
organize pick up of all items needed for upcoming event-- DONE
make project for it myself.--DONE
finish shopping for and make 5 other baskets for event.--DONE
conquer paperwork regarding son's OSAP.--DONE
get front yard/backyard ready for winter.--DONE
clean out car/vacuum one last time before winter--probably do before end of weekend
clean all house windows.--also do this weekend
hopefully cleaning BOTH duvets (2 in 1) at the same time.--Might conquer this one on my own next week.
work on getting a few more gifts and SS. -- DID ACTUALLY PICK UP A COUPLE MORE.


after all that work. might just start working my list for next month. (only creating, not doing just yet)

just posted your update challenges/goals updates, wow you are gonna be done before the month is over if you keep up at this pace!!!

[coupon girl]

my son just called me "he sounds so tired" yep they had a rough night last night she needed her diaper changed a few times -ahhh today they were going to get her out for a walk in her buggy-I said while its nice yeah-the midwife came today said they are doing great -her weight dropped a bit-that's normal-ahh I cant wait to see her on sunday again

[jasperandchar]

so I just youtubed both Crocheting and Knitting.. think im going to try crocheting looks easy..will see what I can do.. even if the only thing i ever learned to do are washclothes and slippers.. i ll be happy. maybe by the time my kids are ready to have kidlets i will have mastered the art and can make baby things.

good luck & enjoy - great pass times and crochet lady is crocheting her little heart out to keep up with the client demands.

[Angela273]

I taught today. I can't go into detail, but it is in my top 5 worst sub days ever. I have to type up a document and send it to the vice-principal...I taught her students this afternoon. She was gone to a funeral.

[lizzie bargain]

Oh dear that does not sound like a good teaching day!!

[Granger]

Thanks for the housing tips. I figure I need $10,000 just for closing costs. Then I was thinking I may need a little more yet so I don't have to pay CMHC (we are really close to the 20% if we want to upgrade our mortgage). I hadn't thought of the property taxes, so thank you for that tip. The rest are on my list. Moving must be a huge cause of debt for people, it has to be.

I have an appointment with the bank next Thursday for a pre approval and to get some logistic questions asked about transferring/adding to our mortgage. I have to wait for my financial planner to get back from holidays to ask about how to best use my investment savings. Bank appointment was the October goal though, so feeling good. I feel I may be stuck in this town and home without a miracle though. I prefer stuck to debt (outside of the mortgage of course).

[cdngal75]

I taught today. I can't go into detail, but it is in my top 5 worst sub days ever. I have to type up a document and send it to the vice-principal...I taught her students this afternoon. She was gone to a funeral.

I would think most days as a substitute would be horrible as kids just think of it as a "free" day. You are a brave woman to substitute teach

[lilo0003]

Too tired to spend money is such a frugal tip. I bought a few things on Sunday and planned to do a Walmart trip, but never got around to it. Other than lettuce I did not really feel like we were missing anything this week. DH was also in meetings late so I made a bigger meal earlier in the week and ate lots of leftovers.

[cdngal75]

Thanks for the housing tips. I figure I need $10,000 just for closing costs. Then I was thinking I may need a little more yet so I don't have to pay CMHC (we are really close to the 20% if we want to upgrade our mortgage). I hadn't thought of the property taxes, so thank you for that tip. The rest are on my list. Moving must be a huge cause of debt for people, it has to be.

I have an appointment with the bank next Thursday for a pre approval and to get some logistic questions asked about transferring/adding to our mortgage. I have to wait for my financial planner to get back from holidays to ask about how to best use my investment savings. Bank appointment was the October goal though, so feeling good. I feel I may be stuck in this town and home without a miracle though. I prefer stuck to debt (outside of the mortgage of course).

When we sold our first house, we paid for the move, lawyer fees and every other fee out of the profit we made on our house. I would think most people would do the same providing they made a profit on their home.

[cath007]

so I just youtubed both Crocheting and Knitting.. think im going to try crocheting looks easy..will see what I can do.. even if the only thing i ever learned to do are washclothes and slippers.. i ll be happy. maybe by the time my kids are ready to have kidlets i will have mastered the art and can make baby things.

I remembered my grand-mother maternal did some sewing and crocheting,and I had kept 2 beautifull baby dresses I had weared when I was a baby( I have some pictures with those, but this is a true heritance memory for me).Today,not to much was done,I guess those days happen.Have a good night all.

[avoncallingu]

Well, presuming you have a matching closing date, it means you are moving out and the people are moving into your house on the same day. If you can DON'T pick a Friday to close the deal. If the lawyers get behind in their work and the deal doesn't close, on one of the places you're stuck with your possessions in a truck until Monday. Also, make sure you HAVE a mover. MAKE SURE they come directly to your home to give you an estimate on what you will need to move.

Are your finances all set up? Do you know that the house your want to buy is WORTH what you are offering? Make sure that the bank gets involved and does an assessment so you can get your mortgage amount, length and rates to your liking as well as the ammortation length.

You will have to change all of your contacts - hydro, water, cable, internet, mail, to a new address. Plus you have about 10 days after you move to change the address on your driver's licence and your health card - insurance.

House insurance - contact them with the details of the house you would like to buy. They will want to know such things as: how recently was the electric updated - what type of wiring - how close to a fire hydrant - municipal services or septic/well?

You will need a lawyer - get a recommendation from your agent about a reasonable one.

Get an estimate of such things as "land transfer tax." Do the current people pay their municipal taxes by the month or by the year. If they've already paid for the year, you'll have to reimberse them for what they've paid and that can be a chunk.

Ditto with heating - if they leave you with a full oil tank, you'll have to pay them for it.

Decide if you want mortgage insurance that will pay for your mortgage if one of the owners dies or becomes disabled.

Put into the offer that you get to go in for one last inspection a few days before closing - that's to check if they have left behind the things you've asked for. Have they changed up a lighting fixture? Did they take out the ceiling fan?

Have a house inspection as a condition and then hire a GOOD one. ( recommendations can be had from realtors)

Ask to get in to measure things like drapes, or floors if you are changing flooring.

That's all I can think of for now. Is that the kind of thing you wanted?

Oh wow, you are one with experience lol. We have our place up for sale and hopefully it will sell soon so we can get on with looking for another. We just want a different neighbourhood actually. So I suppose what I am really wanting to know is, when our house sells and we buy another, what is the next step....besides packing and more packing. We do have a very good realtor already.

[cath007]

I wanted to make my apple crisp but since I have not enough Brown Sugar,that will have to wait to tommorrow.I will purchase 3 packs to not missing some for my futures recepies.Always trust your intuition and double check next time....

[SassyAshley]

Update

SassyAshley
1 - Complete the bathroom stockpile clean up - This is a carry over from September which I did not get done, my goal is to get this done this week and have it done by the end of the weekend - Done with the exception of under the sink which I plan to work on tonight as well as take all the extra to the basement
2 - Finish the basement stockpile - I have a lot of stuff still in bags or boxes that needs to be inventoried and a home found for - Have not started hoping for this weekend
3 - Get back to meal planning and more eating at home - So far we are right on track, we ate out once last week and looks like once this week, as long as we stick to one day a week I am happy

[thriftygranny]

t

hriftygranny

1. paint 2 bedrooms and
2.the trim on the main floor of my house and
3.get some more sewing done.
4. I also need to organize all my husbands hunting pictures so I can make him a photo book for Christmas!

Failing miserably on all goals. Keeping it optimistic though there is a lot of October left!!I have been working morewhich was unexpected and other projects have been completed so I am not feeling too bad about it.Those bedrooms will get done!!

[blueeyetea]

Update/Status- How is everyone making out with their goals/challenges? I have everyone who to submitted their goals/challenges posted on the 1st page of the thread, in post 2 I believe. If you need me to update or make changes please let me know and I would be happy to do so! Keep up the great work ladies!

My big goal this month is painting my craft room and I'm on track for that. The room is empty except for the furniture, and I went and bought the supplies for fixing the cracks in the plaster and the primer to put over the old paint. I saw that you can now buy paint that is both primer and paint, but since that room hasn't been painted in over 20 years, I'm just not taking any chances and bought a can of primer/sealer. Picked up paint colour chips to see which one will fit better in the room. That room is used mainly for when I plan and sew my quilts, no a neutral colour is a must. I'm attracted to medium grey for some reason, but I feat it would get too gloomy in such a small room, so I'm looking at different shades of beige.