I'm beating down the urge to shop....I'm staying home more (a LOT more) I'm cutting the fat.... MAN, THIS IS NOT EASY!!
I've realized I like spending money
: I like shopping. There, I said it. It's the little things that are going to kill us financially, and I feel like I'm FINALLY getting a hold on it.
Here's what I'm doing, in case it's helpful to anyone. I set up my OWN bank account, only to be used for groceries, miscellaneous, clothes, shoes, anything that isn't a bill. I have $300 direct deposited into the account every two weeks from Dh's paycheck. And that is ALL I can spend. I gave dh the debit card, the cc's, everything. I wanted to do this. I want to be IN CONTROL of the money situation. No surprises. It was so easy to save money before we had a house, and now it is SO hard. And it's MY fault. Dh is super frugal. He NEVER spends money.
Let me tell you, I have learned a LOT about myself doing this. It is SO easy to blow through $300. Especially feeding 7 people, having 4 kids to clothe, etc. It CAN be done, though! I'm doing it. I'm spending $350 or so a month on food, and buying nothing that isn't necessary..... I'm excited. If I can keep this up for just one year, we will be in a much better place financially, and I know it will break a lot of my bad habits.
I just need to keep going. Must keep going....
I've realized I like spending money
: I like shopping. There, I said it. It's the little things that are going to kill us financially, and I feel like I'm FINALLY getting a hold on it.Here's what I'm doing, in case it's helpful to anyone. I set up my OWN bank account, only to be used for groceries, miscellaneous, clothes, shoes, anything that isn't a bill. I have $300 direct deposited into the account every two weeks from Dh's paycheck. And that is ALL I can spend. I gave dh the debit card, the cc's, everything. I wanted to do this. I want to be IN CONTROL of the money situation. No surprises. It was so easy to save money before we had a house, and now it is SO hard. And it's MY fault. Dh is super frugal. He NEVER spends money.
Let me tell you, I have learned a LOT about myself doing this. It is SO easy to blow through $300. Especially feeding 7 people, having 4 kids to clothe, etc. It CAN be done, though! I'm doing it. I'm spending $350 or so a month on food, and buying nothing that isn't necessary..... I'm excited. If I can keep this up for just one year, we will be in a much better place financially, and I know it will break a lot of my bad habits.
I just need to keep going. Must keep going....
)
: . I always plan to stick to the budget but it's to easy to go over if I know there is money in the checking account. I really need to stick to cash only.
