a. Who you are
I'm Mindy, SAHM and small business owner. I have two boys, Wyatt almost 4, and Archie, 19 months.
b. Where you are going (your financial goals)
We have some credit card debt, and a tendency to spend money on things we don't need to. I am embarrassed to tell anyone IRL because DH makes very good money, but we still spend nearly the same way we did when we were both working, and we seem to be treading water, and not able to pay down our credit card debt and get am emergency fund set up.
c. How you plan to get there
I am really pushing DH to go to an all cash system, I am hoping this brings home the point that when the money is gone, IT"S GONE! We use debit cards for most everyday expenses, and only added to our debt a bit over the holidays, but we tend to operate in our overdraft account, and not in the black, and it makes me feel awful everyday. I am hoping that by using cash, it forces us to think more about our purchases, cook from our pantry and (2 well stocked!) freezers, and do less eating out.
I think I will start a list by day so that I can really be held accountable for the rest of Dec/Jan spending.
Dec30 Okay, I suck at this. We had major water damage in our basement, and insurance will not cover all the repairs, so we had to pay out of pocket (on our credit cards...) for the new faucets & light fixtures for the bathroom
Dec31 Nothing, yay!
Jan 1 Had to go visit DH's grandma who does not cook, $17 at Wendy's for the 4 of us for lunch
2 Payday So far so good, I am making homemade fettucine alfredo with shrimp (all from the freezer, yay!) for dinner too.