Oh do I need this!
a. Who you are ; Sundaya, a 40 something SAHM of 2 little ones
b. Where you are going (your financial goals) Working on BS 3. Battling complacency. We relaxed a bit after finishing BS 2, and then there were all the expenses that were put off while repaying debt. Trying to get our intensity back again. We have a 96 vehicle with 150000 miles on it that will need replacing, so we are working on a sinking fund for that. We also have a 22 year old house with a 22 year old HVAC and water heater- all other major things fell apart and were replaced already. So, we need a sinking fund for that. And a FFEF. Just a bit of change should cover us...um. not. We have more ahead of us than we paid off in debt, and only one income now.
c. How you plan to get there.
1. Get back to being focused on not. spending. money. My littlest is 14 months now. There was way too much relaxing on the money outflow, and not enough tracking, and we've been spinning our wheels for the last 6 months since I quit my job to be a SAHM. On paper, we can put away a minimum of 400 a month. In reality, it's just fallen through our fingers. I want that 400, and I want the money from extra shifts that DH picks up, to go straight to our plan. I'm trying to cut our grocery costs in half, and then will work to lower them more after that. I've inventoried what we have, and will attempt to live off of that as long as possible. Making more from scratch, and trying to be creative and put off going to the store as long as possible.
2. Lowering our electric bill. I'm so-so on hang drying, as it's not allowed in our neighborhood. I try to hang dry inside. One of my planned spending things is to find a drying rack. I have one, but with cloth diapers, it's almost always in use, leaving no space to hang much else. Shirts do go over a shower rod on hangers.
3. Set dates for when we want the next goal accomplished. It helps us to know there is a light at the end, so to speak. With debt repayment, as hard as that was, at least, we knew when we would be done. So, we've set March to buy a new (to us) vehicle, and hopefully have it all saved by then. If not, we will finance for 2 years max. But, I'm trying to keep my motivation by remembering how much I hate to have a payment and how much I hate debt.
Turquesa, a small baby killed my frugality. Well, not really, I guess compared to mainstream America, but our expenses were not set up for it. A crock pot was huge for us in getting back to things. Also, simple meals that I could throw together, and food prepping during naptime. But, I have one less, and it was so hard to juggle. Good luck!
Edited, because I really should never post before my morning coffee has had time to slosh around in my brain :)