Disclaimer: This will be a looooonng post but long overdue...LOL...and yes, in person, I talk more than this....ask everyone...LOL God bless their souls :)
Ok...so here goes the purging of my soul....I never really knew what it meant to "wait until I could afford something" or "budgeting for a small purchase" til this year...and it's not because I'm "well-off" I think it was because being a single-income family in the Princeton area, has finally caught up to us...and yes, we were living a little above our means (can I say daycare, SAM's club, "scrapbooking" and a nice cable package for this SAHM). So yes, it's a little embarrassing to tell you all this but I've gotta come clean....
So, it's been about 6 months since I last wrote and since then, things have been an uphill battle. My hubby and I have been stressing (big time) with the $$ and bills for the past months. Struggling meaning, late with rent. Yes, I'm sad to say I've joined the ranks of "late" renters. After not having this problem for the past 7 years of renting, it was a huge blow to our ego and our relationship. He was stressing not knowing how to stop the huge ball from rolling in the wrong direction, and me trying to keep a straight face for the sake of his sanity and our relationship...all the while wondering why and how we got into this huge mess.
Well, after months of penny-pinching, cutting down to basic cable, not shopping at Sam's for months, not even stepping foot in Michaels' or anything scrappy (alright I do have a membership with SOMO but it's ending soon:( only using our cells now instead of a home phone, and buying the bare-neccesities (I really mean bare), we are still in a mess but getting better. As of the beginning of August I decided to be inpsired by Run's House and Justine's roles at home and decided to handle all the bills. Why?
1) because it makes me feel important. Don't get me wrong, I am important for the simple fact that I have the role of a Mom and wife but I've always been one to pride myself of handling my business. After deciding to stay home, my budget-management responsibilities relied heavily on my hubby since I wasn't bringing home any of my own money anymore. So now having a say where it goes, brings me back to feeling responsible with other "wordly, businees duties"...
2) I decided to do this because I now know exactly how much is being doled out monthly and how much I have to spend (or not spend LOL). Women, if you're married and stay home, I encourage you to try this if you don't know what bills you have or what your money is being spent on because it empowers you and makes you appreciate you're hubby ALOT more for what he does everyday (Rob, sorry for all the times I nagged you about the amount of time you were working crazy amount of hours...without you, we wouldn't be living a cozy life at all). Not only that but, in case anything does happen to your hubby (God forbid) you won't be stuck trying to figure out stuff concerning who gets paid, what you used to pay for, or trying to teach yourself how to budget from scratch (my hubby says he doesn't want me to be stuck if anything ever happens to him). So with that said, I encourage you to try see where it all goes for at least 3 months. I'm budgeting at 3 months at a time to make it easier to me. Anyways,
3) I do this is because it frees my hubby sooo much! He doesn't stress much anymore because he trusts me. He says that I'm usually right (yes ladies, I have the best husband...but then again, I am usually right LOL) so anything I do right now can only make matters better.
So, I have it mapped out and we should be okay (money in savings) by mid-October and all things caught up by the end of December. And, hopefully this time around, be able to afford my hernia operation (one year later). Yes, couldn't have it done in January because the bill of $1,000 was sprung on me one week prior to the operation, because I have sucky insurance right now. Anywho...onto the better side of things....
We are moving! Okay not to a house but to a smaller condo at the same condo community. It's gonna be small because we are losing a den (which was being used as my scraproom) and our guest bathroom but, it's for the better. It's alot cheaper and it's still in the area so I'm happy about that since I love it here and don't know anywhere else I'd rather live (did I say I'm never buying a house in NJ? HUGE property taxes!) So until I figure out what state I want to be in permanantly, I will rent. I know, I pay the same amount (if not more) in rent then my friends do their mortgage right now but...whatever. We're moving LOL.
Soooo right now we're in the process of purging BIG TIME...and I'm okay with that because I believe in using everything you've got and if you don't use it, you don't need it...a far cry from how I used to be but I'm glad I am the way I am now. It frees alot and those who have purged know this. My mom, on the other hand doesn't think so. She believes in having the "finer" things in life. In always being prepared (even if it means having 3+ sets of "fancy" dish sets for speacial occassions). Love you Mommy:) She thinks I'm "settling" to go from a 2 bedroom, 2 bath, den w/fireplace condo to something smaller when I should be looking into owning a house. So yeah, to her, I'm taking a step backwards. Of course this is coming from my parents who live in a huge house in Florida, having homes that always looked like it belonged in a home decorating magazine, and having anything you could possibly need in a seconds notice. But mind you, it hasn't been easy. They came to this country right before I turned 1 y.o. so they started from scratch with one baby at the time! I guess I should ask them for advice on how to save and budget...LOL.
Another piece of good news? My husband is going from working 80+hr job and a second weekend job, one of them a 1.5 hour commute from home...to a new job!!! Only 10 minutes from home and only 40hrs a week with reasonable hours from either 3pm-11pm or 11pm-7am! That means more time with him home! Not only that but they offered him way more than what he was expecting so he doesn't really "need" to get another job! Also, if I really wanted to and needed to, those hours are great if I decided to work a part-time while he was home with Bobby!! Yahoooo!!!!
1 comment:
This is a wonderful post that I can SO identify with!!! I am also a SAHM; I do some freelance writing, but just enough to basically support my scrapbook habit and tendency to go out with my girlfriends once a month. LOL I used to really desire a lot more STUFF, but now I really don't. The sacrifice i've made to be with my girls through the years (my oldest is 15 now and I can totally see it paying off as she develops into such a cool girl!) is so worth it ad I would never exchange a new car and a bigger house for that. My hus band and I have just put ourselves on a budget, with each of us getting so much a week and that's IT; when it's gone, it's gone. And bills get taken care of first! It's been a hard adjustment but I can see how it's really working!
Anyway...sorry for the long comment. Just wanted to tell yo uhow much I appreciated your post and to let you know you're not alone!
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