Thanks for your responses about food budgeting.
I just am feeling really really down today. DH and I had a silly squabble this morning about drinking day old coffee left in the pot (he thought it would save money
) insread of me brewing a whole new one. It spiraled downhill from there. Usually we are totally on the same page and doing really well with budgeting, sacrificing, planning and snowballing.
The real issue is that I am getting tired of trying to manage our whole family's multiple food issues (overweight DH, picky kids, kids with food sensitivities on an elimination diet, trying to buy farm raised meat and organics) on what I feel is a pretty frugal budget.
I am tired of having to think so much about food all the time instead of just having a frozen pizza or going out for Thai food sometimes. And part of that is due to the food sensitivities and not really frugality or DR per se, but I feel like you guys are my tribe so I'm whining to you.
I just feel like we are bleeding money instead of getting ahead. We started off snowballing with a bang and I thought it would stay like that.
Then we had to go and get all responsible and adult-like and we picked up health insurance, life insurance, HSA and we are paying a couple hundred more dollars a month to bills now. I don't know what else we could cut back on.
Well here's 2 questions for you....
1.) Should we drop our gym membership? (I'm pretty sure we should) we are not using it at all and it's $70 a month. The drawback would be if we decided to join again the rate would be higher.
2.) My DP suggested last night that we halt our $100 a month IRA contribution for right now. This is where we have differed from DR because I thought we had enough cushion to budget and snowball and still do this. Now I'm not so sure. My reason for wanting to continue investing in the IRA is that I am a SAHM and my DP is self-employed and probably always will be. So we have no company match and barely anything saved for retirement so far. DP wants to either put it into savings for a larger EF or snowball it.
What do you think?????