February is my least favorite month. It brings around anniversaries of the saddest kind. So, I've been trying to focus on other things, like happy memories that bring me joy.
Anyway, this month we (as a family) are striving to begin to live more frugally. We have some credit debt we would like to pay off as well as some medical bills. I've gathered the bills together and we will begin the "debt snowball plan." I've been reading some books by Dave Ramsey (from the library) and it has really turned my thinking around in regards to money, debt and most of all saving.
I'm actually excited about starting this journey towards being debt free. That's not to say it won't be hard, because I can tell you this family likes "stuff." But something's gotta give and we if don't start saving and buckle down I can see trouble in the future. Once upon a time we had a nice little bit of savings, but along came a hurricane and there we were with the task of starting over and rebuilding our home. Credit is something that is pretty easy to get and very hard to get out of.
I'm looking for ways to cut back as much as we can, hopefully without too many complaints. A few things we will be doing...
cooking and baking from scratch ~ I do this anyway, but I do still buy a few shortcuts I could do without.
my daughter and I are going to be doing our own hair ~ can you tell? My daughter dyed my hair last week.
In May, our cell phone contract will be up ~ so I'm getting rid of that and honestly I hardly ever use it since I'm home most of the time. My husband will get a pay as you go phone.
I've already started our Spring garden, planted onions, spinach and lettuce. I hope our garden will do better than last year!
Use just our fireplace to heat the house. So far we haven't turned on the heat!
Most important ~ only buy using cash ~ no more credit cards!!
I know there is plenty more things to implement which I will share here and there...
Have a wonderful weekend!