I am a mom of the children. I am a stay at home mom. My husband is an Union Electrician. We make enough just to get from pay to pay without using a budget. I feel it is time to get into gear and try to invest and save. I will return to work in the next 2 years after our youngest is in school.
We have a past full of 1 Bankruptcy 8 years ago, (our daughter was very ill and we had terrible insurance and got caught up with using credit cards just to pay medical bills and buy food). Since then we have been awesome. We have only 2 credit cards with only $1,500 combined balance. We never miss payments. We have 2 car payments, and we did have a house payment from our bank until my grandfather paid it off and we pay him because he only charges us 5% interest.I guess I am a bit concerned about not have a mortgage reported to the credit bureaus.
I have a major problem with just getting by and not having enough when something happens, or special occasions. I try my best to be frugal. I use coupons, shop at thrift stores( way more than I should but I justify it because it's cheap), I only spend on average about $150/week in groceries for my family of 5. I think that is good?? I just pay the bills first, buy the food, and everytime there is extra it seems that soemthing breaks, or it's someone's birthday, or kids need something. I can never just get OVER the hump and save. I want to feel secure. I need to know I am on my way to being a responsible person. Oh I could type forever on this. I guess I'll stop for now and let you respond and go from there! Thanks a bunch!
Act together...
September 4th, 2006 at 10:42 pm
September 4th, 2006 at 10:48 pm 1157410091
September 4th, 2006 at 11:02 pm 1157410974
September 4th, 2006 at 11:14 pm 1157411670
Looking forwardto your blog and personal insights.
September 4th, 2006 at 11:22 pm 1157412132
September 5th, 2006 at 05:56 am 1157435773
September 5th, 2006 at 10:55 am 1157453735
September 6th, 2006 at 02:56 am 1157511400
Move your savings to a different bank so it's not so easy to get to, like an online bank.
Having raised three girls (MD's fiance just got into the electrical union journeyman program), and there was always something!
Hang out and hopefully just reading blogs will help keep your mind set.