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Not doing as well

October 10th, 2006 at 04:42 pm

I seem to go through major ups and downs when it comes to debt reduction. This is a particularly bad month. I am looking at one full month, possibly more, of paying very little down on debt. Christmas and other things are throwing a real wrench in my plan.

I need to do some no-spend days to get me back into the swing of things. I need to get DH on board with this too.

I don't know what is so different about summer vs. school year. But it seems the kids are always bringing home something I need to buy! And they're making it hard to say "no"! (The school, I mean.) For instance, I have every book I have ever owned plus the many we have purchased for our kids. We have a massive collection of children's books, so many that even though we read very nearly every night, we still have not read every book we own. The kids are always finding new ones. So I chose NOT to buy any books at the bookfair. Well, the teachers take the kids to the bookfair as a class and pair them up with older children. They write out a wish list, take it home, and then go a second time to purchase books with the older child! How do you say "no" to that?! I told my son it was fine if he wanted to purchase a book, but he'd have to use his own money. He did. He got two books for $15.00. What a rip off.

If it's not books it's t-shirts or Market Day food or some other fund raiser. A few days ago it was pictures. And now, not only do they hit you up for $50 in the Fall, they come back for more in the Spring!! I'm sorry, but I don't care to spend money on pictures TWICE per year! Once per year is enough!

I fall prey to keeping up appearances. I don't want people to know how much we are struggleing. Now, I'm not going to go buy a hot-tub because the "Joneses" have one, but I do buy just about everything at the school. I haven't participated in Market Day yet this year, but everything else is hard to say "no" to.

7 Responses to “Not doing as well”

  1. pjmama Says:

    Perhaps sell some of your old books on amazon? Or use the fundraiser to buy small holiday gifts? Good luck! Those crazy companies use kids for a reason! So hard to say no to... Have a great day!

  2. Kris10leigh Says:

    Good ideas. We've recently decided not to have any more children and I have tons of baby stuff I've been wanting to get rid of ever since our five year old outgrew it. I've been thinking e-baying it but the task is monumentous I've been kicking my feet about it. I keep thinking a garage sale would be easier, even though I hate them, but I've missed the season for that.

    Using the fundraiser for gifts is a great idea!

  3. PRICEPLUS Says:

    I drew the line with all the fundraiser stuff from the school. It seems to be never ending. Then of course all the nieces and nephews hit you up as well!
    Good luck with it!Smile

  4. rob62521 Says:

    I truly understand your frustration. Especially when the prices on some of the stuff seem pretty inflated. Instead of purchasing stuff you neither need or want, talk to whomever is in charge and ask if you can make a small donation for whatever they are raising funds for. I'm a teacher and I would have the kids sell candy bars for a field trip. One parent asked if she could just send in a donation. That was fine. But, there's always something to contribute to, so it's OK to say no.

  5. Bookie Says:

    "Some days you eat the bear; some days the bear . . . "

    We all go through the ups and downs you're describing. You chug along making great progress, and then spending happens.

    If it's not the kids, it's the water heater, or the car, or whatever. Doesn't mean you aren't doing as well, only that other priorities get in the way. I'll bet not a lot of people save much or pay down debt during the holiday season. Be flexible and you'll get back on track.

    This is the voice of experience. Wink

  6. jodi Says:

    I ditto the above post about making a small contribution, if you feel that you really cannot say no. It's an idea that Amy Dacyczn brings up in the Tightwad Gazette, and although I don't have kids of school age yet, it's one I plan to use. If I can buy $20 worth of over-priced junk and the school will only get $5, I would rather just donate the $5. It will save me money, the school will still benefit, and it cuts out the middleman Smile I have gotten to the point where I no longer feel bad about saying no. There is ALWAYS a request for some sort of fund-raiser circulating at out office, and I get invited to at leat a few jewelry/scrapbooking/kitchen parties every year, but I politely decline and say I don't need anything right now - and leave it at that.

  7. mbk Says:

    I have 4 kids and know how you feel. I use the school book fair to buy holiday gifts (cause I would always buy them some books anyway). Even better, my mom does not know what to buy them in terms of books so she tells my kids to each pick out a book or two. I pay at the book fair, then she pays me back and uses them for gifts. This saves her a trip to bookstore for even a gift certificate and she knows they are getting books they really want. As far as the Market Day and other fund raisers go, I just choose not to participate. I am always sending in craft supplies for projects, extra boxes of tissues, treats for holiday parties and volunteering so I feel that the school gets plenty from our family.

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