A few years ago, I got some wonderful advice and support from the ladies on this board. I cut expenses to the bone, got TWO jobs and worked the opposite shifts of my husband so we wouldn't pay for childcare.
Everyone thought I was crazy. I agree it was a hard and crazy time but I managed to pay off all our debt and save up enough to put a small down payment on our first home (huge regret in hindsight) but things were looking up so much at the time. I quit one of my jobs but we were still doing great.
Well, less than a year later I ended up pregnant with twins. I had to quit my then only job almost right away - it was a self employed sort of thing so no disability or anything. Between the costs of now having three kids, a house, and medical issues since having the babies making it hard to just care for the kids much less go to work - we are back in debt up to our eyeballs.
It's hard to say when if ever we will be in a position to up our income in any reasonable and/or significant way again. All the while our expenses have skyrocketed. There's definitely things I've been letting slide that can cut expenses a bit but it's not enough to break even every month.
I feel like all that hard work and struggle was for nothing. It's depressing to say the least.
Anyway, I'd like to get active on this board again and hopefully think up some ways to work on things. I'm going to reread your money or your life. I wasn't a dave ramsey fan.
Thanks for reading and if you have any words of wisdom, I would really appreciate it.
Everyone thought I was crazy. I agree it was a hard and crazy time but I managed to pay off all our debt and save up enough to put a small down payment on our first home (huge regret in hindsight) but things were looking up so much at the time. I quit one of my jobs but we were still doing great.
Well, less than a year later I ended up pregnant with twins. I had to quit my then only job almost right away - it was a self employed sort of thing so no disability or anything. Between the costs of now having three kids, a house, and medical issues since having the babies making it hard to just care for the kids much less go to work - we are back in debt up to our eyeballs.
It's hard to say when if ever we will be in a position to up our income in any reasonable and/or significant way again. All the while our expenses have skyrocketed. There's definitely things I've been letting slide that can cut expenses a bit but it's not enough to break even every month.
I feel like all that hard work and struggle was for nothing. It's depressing to say the least.
Anyway, I'd like to get active on this board again and hopefully think up some ways to work on things. I'm going to reread your money or your life. I wasn't a dave ramsey fan.
Thanks for reading and if you have any words of wisdom, I would really appreciate it.