Late to Join
I'm Liz, married, I've got 2 kids, one on the way, and a ridiculously small dog.
This month we have to pay our federal taxes (substantial), increased withholding for our business (probably $400 now), a $1200 AmEx bill (for actual necessities), and we've had constant paycheck disputes with DH's regular employer for about a month. We have had to rely on our brokerage accounts to get us through. I pray the employer gets his head on straight. We have substantial assets so it's not like this is a true problem. Just VERY stressful for me to be juggling accounts. This is why going forward we have to move towards no spend. This month is dog annual vet month too.
Our goals are:
To not eat out. Period. Unless someone else is paying.
No shopping unless absolutely necessary, ie. the kids outgrow their shoes or something.
To hit a $300 or less grocery budget, I don't know if that's realistic because we're out of most necessities (meat, eggs, dairy, veggies, fruit, oats) and I require a pretty high protein diet due to the pregnancy. We already eat a lot of beans.
I already purchased, last month a very nice maternity wardrobe to last me the remainder of the pregnancy. So I won't need to spend there.
I need to pay the midwife the remainder of her fee and the OB her fee, both I am paying payments on. Depressingly.
We also have an annual trip to see my parents for a month in the summer, June. I would really like to go, otherwise I don't see them and won't see them for any real period of time until summer 2011, boo hiss. They pay all my expenses while there, including trips to Disneyland and Legoland, provide a car, and groceries. I need airfare, and money for Annabelle's swim lessons.
The dryer broke and I've been hang drying our clothes - that saves about $1 per load in electricity, I'd like to keep that up if at all possible (pine pollen season is upon us - so I may have to get creative.)
I need to walk at least 2 laps around our circle daily, 4 would be better.
Added this to my blog
for more accountability. I included my meal plan and will add recipes as needed.