a. I'm Denise. A shopaholic mama to two, expecting a third in spring. Trying to simplify as well as save as much money as I can so DH and I can dig our way out of debt rather than declaring bankruptcy. Trying to cultivate a more natural, frugal, and simple lifestyle so I don't pass my tendencies onto my children.
b. My goal is to first pay up our mortgage. We were in a car accident that left us behind on our payments. My MIL is on our loan, so our lateness is affecting her credit negatively and DH and I of course feel awful about it.
Other goals include learning to live on less so that once our baby is here there are no worries about me being a SAHM (I currently work part-time to help us get caught up!). As well as learning that shopping is NOT the right way to deal with stress.
c. When I do shop, buy used. If buying used isn't an option, shop sales. Never pay full price for ANYTHING!
Stay away from stores. If I'm not going into them, I can't give them my money.
Each payday, first pay all bills that are due. THEN figure out what we can spend on everything else.
Learn to be happy with what we have, rather than focusing on what we want.
Teach myself some skills that make frugality easier. Knowing how to mend clothes would come in handy with my clumsy self and two small kids!
Back Mortgage Paid: $200/$3000
Credit Cards Paid off: 0/10
Christmas Budget: $27/125
Nov. 1: $32 at Old Navy for DD2 and DH some pants (all on sale)
Nov. 2: $7.48 on Sonic.
Nov. 3: $52 at consignment store (stretchy wrap, play kitchen, door knob cover, maternity pants, cloth wipes, shoes for dd2, and an applesauce bottle for the car), $10 at Fazoli's