I have a theory, its flyboy's job to make the money and its my job to make sure it goes as far as it can. I am very lucky that I have a husband who doesn't see it as his money but rather OUR money. Never once have I felt like I don't have as much of a say or that I have to ask permission to spend money.
Having flyboy in the military I can't help but feel insulated from all the economic upheaval but at the same time we are snapped to attention. What little debt we do have, we want rid of. And preferably sooner rather then later.
We aren't frivolous spenders, we rarely eat out, our trip to Disney is our first vacation outside of visiting family in three years, but yet the money does seem to find somewhere to go every month.
So we are getting serious. The b word has come back into our vocabulary and I'll be honest I was mildly resistant at first. A budget is so much like a diet and who enjoys being on one of those? But its becoming more of a habit and thankfully I'm not on a diet at the same time so if I wanna eat a bologna and cheese three times a day and some brownies then I can.
I don't think I could pare down in both areas of life right now.
Meal planning or as I like to think of it being meal prepared, helps a lot. I don't so much like meal planning, what if I pick tacos for Thursday and then come that day I don't feel like them? What to do then? So I make sure that in one commissary trip, I have enough things for seven dinners and then figure it out as I go along thru out the week. That has cut down tremendously on the money spent picking up one thing here and one thing there during the week at full price grocery stores. (Sadly we don't live close enough to the commissary to just drop in for things)
On our latest trip to the warehouse store (I wont list the name, every sicko will end up at my site, let's just say it stands for an favorite Clinton oval office activity) flyboy picked up a slab of beef and cut up his own steaks. Just the other night we had a lovely steak dinner with baked potatoes, another veggie and all in all $1.35 for the two of us.
This buget thing is only working cause I love me a deal. And I like to win. And to me getting a great deal or finding some way to cut back is akin to winning.
I've also started operating in cash. It's far to easy to go to Target intending to get diapers and end up with five (or ten) other things. Yet with a certain amount of cash to get thru the week with I focus on what I need, really need. If we need to get bigger things then we just budget it in for the month, we aren't really withholding from ourselves, we are just trying to slow down and really focus on where the money is going and where it needs to be going.
So I'm posting all this for a reason. I'm hoping to score some more budget tips and get ahead a little more off the backs of you fine bloggy peeps. Hey, at least I'm honest here.
So what are they? What are your money saving tips? Do you have a great web site you use for coupons or deals or that's helped you get your money life under control? Any and all tips are welcome and much appreciated.
Foreclosure to Home: Year Four Update
10 hours ago