|One other thing I have realized is that I need to keep my life priorities in shape. It is very important for me to be a SAHM and for dh to be here as much as possible, evenings and weekends. I also want to be "present" for my children when I am here. I am currently babysitting a 5 year old after school and will have him for the summer. I know I could do real day care, I have many other people who have said that they would like me to care for their children. However, I know my limit. I know that my children will only be this small once, and I know that my priority is to be here.|
|I had an important realization today, I can't believe this hadn't fully dawned on me until now . Here is the crux of what got us into this mess. Suprisingly, we have always been *relatively* frugal, it's not like we ever charged "unnecessary" things- like a new comforter, or pizza hut, etc. However, when we had extra money in the account for whatever reason- we would treat ourselves to pizza hut, or I would buy that comforter I had been wanting for a year. Then, the dryer would brake, or we'd get a flat tire- and--guess what? that wasn't in the budget (plan) and we never had savings- so- onto the credit card it went. All of the CC debt we've got came from "necessary" things, we bought the "extras" with what we thought of as "extra" cash.|
Also, any advice on getting DH's to be more frugal? DH is really great on most things, but the biggest thing is he has a tendency to spend lots of money on eating out, or convenice foods or soda and candy at the gas station, that type of thing. Not only is it terribly unhealthy, it is also costly. During the school year, when he was still teaching, it wasn't uncommon for him to stay after school late and finish papers and then stop at Wendy's or McDonald's and spend $5 or $6 on meal, instead of waiting the 30 mintues until he got home (he had about a 35 minute commute). Also, lots of times when he stops to get gas, he will spend $2 on a diet coke, a bag of m + m's and the newspaper. That isn't a lot of money, but when you do that several times a week, it adds up. The other problem, is it hard for me to keep our grocery budget down when DH really wants lots of convenince foods in the house (frozen pizza's, frozen burrito's, hot pockets,) that type of thing. He stays up later than I do, and he often gets hungry at night, so he will eat one of those. Plus, now that it is summer and he is home during the day, he eats those things for lunch as well. I guess I could cook lunch, but I kinda resent having to cook him lunch, since when it is just dd and I home, we eat very simply for lunch (pb sandwiches, leftovers, etc.) I cook dinner every night, and I really don't want to cook lunch as well. I guess also part of that is my upbringing. When we were growing up, my mom would make dinner for everyone, but after a certain age, we were responsible for our own lunches and breakfasts. Plus, the other problem, is DH doesn't really like my cooking very much. And, I will admit, I am not the world's greatest cook. I tend to take shortcuts, or get caught up in something else and let things burn (especially with a toddler around). We also tend to like really differnt foods. DH likes meat and burgers and fries, while I like pasta and casseroles and veggies. So, while I make dinner every night, he may not eat much of it, and wants one of his convenience foods later. I always read about the tips in the TG about eating oatmeal and whole foods (and it being lots heatheir too), but DH won't eat oatmeal, he will only eat store-bought cereals.
So, not that I have rambled on and totally bored anyone . That is our biggest struggle right now, any advice?