Hey ladies, I have a happy update for a change, dh got a new job- a great new job (actually he was offered 2 different new jobs, but he is taking the one he was just offered last night).
We are so excited, I am not sure what the actual take home per month pay will be, but once we get that figured out- we can make a budget, up until now, there was no need for a budget as there was NOTHING left over at all, anything I made on ebay went straight to debt, etc.
Now, I get to prioritize things like getting out of debt and putting into savings both for a safety net and to get the kid's account going.
I am so thrilled, dh will actually be making like $10,000 more per year, before he was making $38,000 and we were paying $8000 out in health insurance, now- we will have health insurance and he'll be making $40,000. We are thinking the actual take home difference will be around $6000/year. I think our 2 year plan to get out of debt has finally become realistic and I am sooooo excited. I still intend to skrimp and save and work hard to bring in some extra from home to put toward the debt.
I admit that since finding out about the new job at like 6:30 last night, my mind has been seriously tempted into a lot of things. Little things mostly, but I know those add up. I was thinking- great- today I should go buy the kids new Church shoes and Mary some tights to go with her dresses, etc. I resisted temptation and am trying to remember to buy used for the reduce, reuse, recycle mentality that is important even when not trying to get out of debt. So- I will be shopping ebay for new Church shoes for the kids, and Mary will wear khakis until Christmas when I can buy her some cute tights and put them in her stocking
Dh and I talked about going out to dinner to celebrate tonight- but I don't know that we will, I think I could just make some cupcakes for after dinner and we could celebrate just as well here. Maybe I'll make something special for dinner
I admit that when having enough to make minimum payments on everything- I am going to have a harder time with this- I will be tempted constantly, and this is where we have fallen before. So- I am really going to be needing this thread to keep me motivated.
It is a sad thing that dh gets a $10,000 "raise" and really it'll just go toward debt for 2 years
- we so have to resolve to get out of this and NEVER have it happen again.
And- I am going to start giving the kids an allowance- $1 per year of age per week, and teaching them to save, spend and give to charity
. The best thing that can come out of this being in debt is to teach my children how to use money wisely.