a. Who you are
Rural homeschooling mama to 2 girls, one cat and 27 chickens. DH and I are self-employed.
b. Where you are going (your financial goals)
I just want to end the year with more money than I started with. DH's work is seasonal, which makes budgeting difficult. We just borrowed enough from our loan equity (with MIL) to finish our basement. A woodstove will help with heating costs in winter, but the additional loan adds about $90 per month onto our payment, and finishing the house has already upped our property taxes.. Our gasoline card bill was $700! DH's work took up the bulk of that, but still!
c. How you plan to get there
Pick up more work, especially in the off-season which proved to be difficult last year. However, I have 2 new clients and a former client is wanting some frequent work, so finances will be easier this year. Drive as little as possible. I keep selling our surplus eggs to help defray the cost of feed a little and sold some homemade granola. Little bits here and there.
This month I'm back to track frivolous spending. I'm not extravagant, but if we want to keep the girls in gymnastics, those little bits add up.
The last 2 months of this thread have been dismal. I didn't finish 2 and was a no-show for the last one. But summer the money is rolling in, and that means we tend to "roll it out" more easily when we should be saving for the crush of winter.
"She is a mermaid, but approach her with caution. Her mind swims at a depth most would drown in."