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?????
I am so sorry you are having food budget issues. It sounds like it would be stressful to work around so many issues. You just have to do the best you can and what feels right and what you can afford :
For your first question: I am not really against gym memberships if you don't have many other options and you actually use it. My doctor has put the wrath on me to lose weight and I work 70 hours a week so my time is limited and I will go for walks outside but not fast walks. So in my case, DH and I have decided to keep my Curves membership- but, I actually use it. And there are some days when the money I pay is the only reason I DO use it, but it works for me and gets me there You could probably get just as good a workout with some exercise DVDs or playing with the kids. I lost a bunch of weight when I was a Nanny for a two year old, and this was just chasing after her for day to day activities. And the good weather is on it's way so you could get out with them more to do stuff. Plus, even though the rate is higher if you join later, at least you aren't wasting the $70 a month now by not using it. And you never know, some gyms run specials at various parts of the year, so you could lock in a good rate later on when you do have the time to use it.
2. My DH wont budge on his 401K contributions. I do not have one because my job does not offer it, so he just will not give this up. If your DH is self employed you might want to keep contributing. Will you ever want to work outside of the home, or would you like to stay home even after the little ones get older? If so, that would be another reason I might keep saving it.
Good luck with what ever you decide : And my DDDDC is still there