I WOH FT, have another PT job and am going to school. I have plenty of money coming in and yet we live paycheck to paycheck. I. Am. DONE! Money just...goes. I know we need to budget, but I've tried before and we haven't really stuck to it. For non-savers out there, how did you get your butt in gear to start saving and not spending every penny that came in?
And the weird thing is, we don't buy extravagant stuff. We don't have cable, we don't have cell phones (aside from a pay as you tracfone that we just use for emergencies), we don't have car payments, and we have one credit card with a $500 limit that we don't really use. No loans of any kind. I live a 45 minute drive from any kind of shopping (so it's not like I go into Target for one thing and come out with 10) and I only go down about once a month to stock up on tp and paper towels and stuff at Sam's.
I think we spend a ton of $ on food - and we don't really eat out at all. Like last night I went to the store to grab stuff for dinner - and I spent almost $50. $50!! For one night with a few things that will work as snacks and stuff. That can't be good.