I sat down today and took an honest look at our finances.
So.Not.Good.
Looks like I'm going to have to rob Peter to pay Paul unless we can get some extra cash flow.
I've already told the kids Christmas will be much smaller than they are used to. Not that it's a bad thing really, they have enough stuff as it is, most of which doesn't get played with anyway.
It's been a very long time since things were this tight.
We'll get through though. One thing we need to change is eating at home more. We spend way too much money on going out to eat, I'd estimate about $400 a month or so. That's a lot. If we can cut back to eating out twice a month at the nicer places we like, we could save $300 or so. Or we could eat out once a week but it would have to be at the local pizza joint with their special.
I'm also going to get back into selling some books and dvds on ebay. I did that a few years back and made $400. It's kind of a pain but we need the money.
It's hard not to get too overwhelmed and stressed when you look at your bills and then look at your checkbook. But having a meltdown won't help the situation.
I'm not frugal by nature though. This will not be easy. Not that I have much choice really, not unless I want to severely in debt and I don't want that.
Are you frugal? Are you in debt?
Wednesday, October 3, 2007
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3 comments:
Maybe not frugal... but we do have to watch the big expenses for sure! OUr food/power/gas bills are huge! We only have a mortgage like most people.. so I suppose we are lucky in that respect. But I know how tight it can be, when we had 6 kids at home we were broke all the time! I hope your situation eases somehow.
Oh man I hear ya. Seems money is tight for a lot of people all over the place. We are tightening the purse strings, too. We, too, need to stop eating out. It's amazing how much money that eats up. Pardon the pun. But cooking is so boring....lol I dunno....I guess ya gotta do what ya gotta do, eh?
Good luck.....you're not alone. I can definitely relate. Suckage, eh?
I can relate, too. We don't deny ourselves much and that can wreak havoc at times, but thankfully we don't have a lot of debt. I think selling old stuff on line is a great idea to replenish some funds. I usually do Craigslist, but I think I should try EBay instead...people are fickle with Craigslist.
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