We’re finally pulling our head out of the sand and taking a look around at our financial situation. I’ve been frantically collecting information and data so that we can get back on track with our finances. No more looking the other way and no more just hiding from reality — nothing is going to get better if I keep ignoring everything.
The partner is also on board for paying more attention to what’s going on and not leaving me the only one aware of our finances. I did a great job with our money when it easy, when progress was being made, when I felt like we had control. But the past two years, everything been a huge struggle, one that I just gave up and walked away from. Now we’re back to getting on track for erasing debt and getting the things we need.
When we were really on top of the money game, we made great progress on our credit card debt – going from $30,000 to $13,000! Being able to buy a house was the prime motivation and I’m said to admit that since buying said house, we’ve added back at least $7,000. This has been a combination of things going wrong, poor money choices, personal business purchases, and economy fall-out. Since buying the house, we’ve not really made any positive progress on paying off debt as most month’s have felt like we’re lucky to be eating. But now we’re looking at $20,000 in credit card debt that has to get paid – and we’re going to!
The other big money buster has been the eating out habit. I’ll be honest, this is my problem. I’ve gotten in the habit of always going out to eat and not spending any time working up meal plans or menus. I’ve let various excuses get in the way and am always quick to play the “we have to eat” card when everyone is starving and going somewhere is then the easiest option. In fact, I manage to eat out almost once a day — I’m a stay-at-home mom that lives in the country. It’s at least a 20-30 minute drive to get somewhere to eat — there is no excuse for this. So, we’re going with the envelope system for eating out and groceries to curb this habit – wish me luck.
Oh and the money group plans are actually moving forward, yay!