Post # 1
Every few weeks I still down and write out how much our bills are going to cost each month and how much $ we will have left over for savings at the end of each month. Our paychecks vary since we both can work overtime and I have a second job waitressing ocassionally. Anyways….
I freaked out today since we are going to be short about $5000-7000 for our wedding. We got engaged in 2008 so theres no reason why we shouldn’t have the $ (and the wedding is only costing approx $12-14,000). FI was out of work for 2 months when he severely broke his arm (that lost us about $6000 since disability paid shit) and then i went out and leased a new car (when there was nothing wrong with my car in the first place and I haven;t had car payments in the last 2 1/2 years).
Just venting because I really didn’t want to put anything on our credit cards (they are almost all paid off) and there is no way to cut anything in our budget (I’m DIY’ing a lot to save $$). ARGHHHHHHHHHHH
Post # 3
It’s all about keeping things in perspective. Sometimes when you have a long time to save for something it seems so far away and you lose sight. Plus, it never fails that something comes up that is out of your control.
My parents taught me a lesson long ago when it comes to saving money – always pay yourself first. Have a set amount you can put into savings and do it before you pay bills, ect. It’s easier said then done, but if done consistently, it does help.
Also, do you use a debit card a lot? When I get frustrated and ask myself “where does my money go” I print out a month’s worth of bank statements and highlight each category of spending (groceries, bills, entertainment, ect) and then I add each category up. I found that I was spending a lot of money on random misc, and unnecessary things like coffee, snacks, eating out…looking at where your money is really going helps you realize where you have bad spending habits.
Just my 2cents – good luck!
Post # 4
Thanks for the insight :o)
We don’t use our debit cards anymore – We use a credit card that has gives us cash back rewards (I always pay off the full amount each month so there is no balance). We go out to eat once a week (about $50-100) but the FI has been spending $$ on stpuid crap too. He went out and spent $200 on p90x stuff last week when we have a gym membership…We went to the casino and spent $600….two weeks ago….I am in a wedding in July and have 2 baby showers coming up….Everything keeps adding up!
I know its our own fault – but I hate to cut back on fun stuff (which we do 1xweek) because I don’t want to seem like a money miser!!! I guess I should just suck it up and admit that we will be in a little debt agter the wedding and we can use some wedding $$ to pay off the debt…
Thanks for letting me vent!
Post # 5
Wow $50-$100 for one night out to eat? Must be a really nice restaurant!! Send me the leftovers! I suppose the casino isn’t helping, either. Awesome that you’re paying your credit card off each month – you’re saving yourself a lot of money by not paying that interest.
My biggest give-up was clothes shopping. I love getting new stuff to wear, but it was killing my budget so I went cold turkey… boy was I happy when I saw my statement the following month! I sacrifice now and keep telling myself that in a few months I’ll be back to life as normal.
Post # 6
do dave ramsey’s budgeting. He has grreat (painful) advise. I listen to his radio show too..
He would tell you first of all to knock the lease off and buy a cheap used car. Dont go out to eat, etc.