Get Adobe Flash player

Personal Savings

Bridget & John
Bridget & John

  • Nights & weekends, room by room

    Last summer, we set a goal to finish our kitchen remodel project. We agreed to share our journey with the Save Hard Spend Smart community, and gather tips and feedback to help us make the most of our money. As we moved through the process, it became obvious...
  • Farmers Market

    We have been thoroughly enjoying the farmers market on Saturday mornings. We stock up on all of our fruits & veggies for the week and have been trying out a bunch of new recipes. The farmers have had great advice on alternative ways to prepare vegetables...
  • Fremont Fest!

    We enjoyed walking around the neighborhood during the Fremont Fest. There were tons of people out and lots of great deals. We found a few antiques for the house that we're pretty excited about. They need a little bit of love, but we'd much rather...
  • Bonus Time

    Given the state of the economy we are both happy to have jobs. One of us is even happier to be getting a small bonus. Now the hard part is do we save or spend? We are tring to come up with an amount that will work for both. Maybe take 51% and pay off...
  • Keep on, keepin' on

    Hard at work Insulation complete Dry wall begins on Monday Time to enjoy the long weekend. Happy 4th!
  • Kitchen ideas

    We've been getting some good ideas from reading Susan Serra's blog on "redefining the kitchen." It's fun reading with lots of great pictures and tid-bits. Check it out! http://www.thekitchendesigner.org/
  • We passed!

    We've had many late nights getting ready for inspections, but we passed! Plumbing, electrical and mechanical are good to go. We have permission to insulate. Slowly, but surely......
  • Diggin' deap into our finances

    This weekend we took a close look at every little detail of our spending. Neither of us were very excited about this, but it is eye-opening to see exactly where all the moola is going. So far we've found a few obvious ways to cut back...Bridget doesn't...
  • Front porch "meetings"

    We decided to take some time out from the remodel to sand and repaint our adirondack chairs. This has proven to be a wise choice as we find ourselves enjoying the weather, talking to neighbors and forming our game plan over a cold beer. A few of the topics...
  • Our dog is such a great worker!

    Our dog Dakota is such a huge help! All weekend she walked around the house and picked up every piece of scrap wood, chewed it up and moved on. How would we make it through this remodel without her??
  • Island or no island?

    We have been debating whether or not we want an island in the kitchen. If so, what size, shape, material? We have not come to a conclusion and may not until we get closer to the "end" of the project, but we found the article below to be helpful...
  • Demolition

    The kitchen has been torn apart and we are realizing how much work is yet to be done....and how much money needs to be saved. It's a little bit overwhelming, but we are trying to take it one step at a time. The original plan was to keep the kitchen...
  • Great advice!

    Wow! What great advice. We've been looking at local stores for new "scratch and dent" items at a discount, but hadn't thought of craigslist and estate sales. Keep the tips coming, I'm sure we'll have more questions as we go.
  • Our Savings Journey Begins

    We are VERY excited to begin this journey! For us, this is not only about remodeling our kitchen, but networking with the community to ensure that we are being smart in the process. We have lots and lots of ideas and are working on formulating a clear...
Umpqua Bank
1-866-4umpqua (1-866-486-7782)
Member FDIC FDIC Equal Housing Lender