Join Date: Dec 2004
Location: a place where freedom lives
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I agree with turtlemama. Save whatever you can now for a rainy day fund - the car breaks, you need new glasses, the fridge dies, whatever. Make a list of everything that is truly essential - in other words, not cable tv, not eating out, not renting videos, not dry cleaning, etc. Then, make a good budget and include mad money each week for you and your partner - money you can do whatever you want with. When it comes time to crunch numbers each month, you don't want to have to justify your little fun things like a latte or new socks. My dh and I give ourselves $30 a week each and from that comes lunch out or lattes or videos or sometimes we pool it and go out or order in. But, we don't have to justify it to each other since it comes out as cash and we have a teeny bit of fun each week. It makes the scrimping and saving seem more tolerable. Try living off this budget now and save what you can.
Also, start noticing the fun you can have that does not require money. Instead of going to the mall go for a hike. Instead of buying cookies, make them. If you love yoga, buy a dvd instead of paying for a class. That kind of thing saves money and makes for good sahming fun.
Ooh - and start making homemade holiday and birthday gifts now!