I am a SAHM with one dd. My DH works for the state so we will never be wealthy. We accumulated a lot of debt in dd's first year due to medical bills (mine and her's) and some carelessness. I don't think we knew how hard it would be to live on one income. Actually, if it weren't for cc debt, we would be doing just fine. We have about $11K in credit card debt and are just making the minumums on two of them.
I did finally call and close my account and got them to lower the interest rate from 24.9% to 14%. They also stopped the overlimit fees. I hadn't used the card in two years anyways. I was really surprised at how they were willing to work with me on getting it paid off. That was a load off my mind. DH plans to do the same with his big balance card.
I always shop thrift stores and yard sales for 90% of our clothes. I would like to start selling on ebay. My brother sells books on ebay and abebooks.com and makes a very nice living at it. I have a ton of collectible antiques type stuff to sell, including my precious lunchbox collection.
I cannot believe how much food we used to waste before dd. We never ate leftovers and ate out a lot. I can recall spending $60 on groceries for ONE dinner. Now, I spend about $100 a week.
We've come a long way but we still have a way to go. Cash tends to burn a whole in my pocket - I am a very compulsive spender.
Christmas is 2 mos away! Ack! We have pared down our Xmas spending a lot. I make 80% of our gifts - jewelry, knitted/crocheted stuff, jams and chutneys. We limit spending on kids to $10. We don't really buy for each other anymore, just dd.
So that's my story in a nutshell. I am looking forward to hanging out in these GOOD threads.
ETA that we got rid of our debit cards and that helped a lot. Its so easy to get $20 out and then wonder where the hell it went, KWIM?