(Coming out of lurkdom and inactivity due to lack of internet service!
)a. Who you are
: I am Elizabeth, mumma to 9 great children (his, mine and ours! My brother says we're the Brady bunch and a half!)
My husband has a Master's degree in Finance, and just started teaching (as of this Fall) some classes at the university. Before that, he had been the in-house accountant at a real estate firm that failed when the "housing bubble" burst. I was able to get a job with the school district as a lunch lady...
, but things were reallllly tight.
Then, we had our 9th baby
, and I had to quit my job. Then things were extreeeeemly tight.
My husband and I both have Student Loan debt, but we managed to not create any more debt for ourselves by living very frugally on our savings, our garden and our food storage, rather than using credit cards.b. Where you are going (your financial goals)
Now that we have more of an income than just my husband's unemployment and my part-time salary, I want to get back on track. I want to restock my year's supply of food, toiletries, et cetera, and build up a savings account balance of at least $25,000. By the end of 2010.c. How you plan to get there
Mostly by not spending. I had sort of a mini "falling off the wagon" moment at the GoodWill this week end. I took some things to donate, and thought I'd peek inside to see if they had any footie pajamas that would fit my 9-year-old daughter (apparently, all the cool grade 3-ers are wearing footie pajamas...
) They did have 2 pairs in really good condition, so I bought them.
But (and here's where I fell off the wagon) I also bought 4 pairs of jeans, some shirts, a pair of brand-new bedroom slippers, some capris for summer, a pair of brand new tennis shoes, 2 sets of long-john pajamas, 2 fleece bath robes, 9 brand new cotton vests (I think you call them "undershirts"), 2 pairs of cotton leggings, a package of socks and 3 hoodies (one of them a Hollister) for the tribe.
In my own defense, I must say that I spent $71.03 for all my GoodWill purchases, and got some really nice clothes for my children....
I think if I come here every day, it will keep me accountable, and I'll be less likely to fall off the wagon again.