Okay my first no-spend challenge!Who you are
- SAHM homeschooling an almost 7 ds, and chillin' with 2 yr old dd.Where you're going
- I've got a laundry list of goals : remodel the basement into a usable play/work area, start a business, repair our credit, pay off our house. I have already completed several goals in the last year: paid off credit card debt, paid off the car, got our savings up to $3000, and made some major quality of life purchases that we had put off for a long time.How you plan to get there
- Confession: I haven't totally prioritized my goals. I don't know what to do first. The basement became a front-runner when it flooded, but I minimized the damage and fixed what caused the leak, so deciding whether to move forward when we're already dishing out a bunch of dough to a series of other minor catastrophes is causing me great anxiety. I find ways to make extra cash here and there with web design, mystery shopping, online stuff. But I need to step up my efforts and get money flowing in more steadily if I want to increase our savings and pay off the house. DH thinks we should get a small business loan and jump in feet first if we are going to run a business, but I am squeamish about borrowing money not knowing if what we want to do will pan out, and our credit is a bit bruised. I can put time and energy into fixing that, but I'm not at all sure I want a loan of any kind. In the meantime, I want our day to day spending to be as tiny
as possible to maximize what I have to devote to these bigger projects. I'm going to have to be super-efficient, or stop sleeping, I havent decided yet.
I wish the first four days of this month had never happened. We're hemorrhaging cash. Insurance deductible, insurance premium, replace washing machine, dd's b-day... Omg! But I'm super motivated now.
bartered for or scavenged something we needed
Car ins. premium
Double irked! Oh Noes! Got the car back from the shop and had to pay the deductible, plus bought a washer. At least it was used. Total unbudgeted outgo - $638 Ouch.
$40 to the delivery guy of my washer
Dd's b-day fun : $25, $31 gas, $10 Walgreens
0/1000 monthly bills
25/100 fun money