Money seems to be the root of most problems these days. Well, lack of money seems to be the root of most problems these days. We are far from destitute, but spare cash still isn't something that we have excess of for sure. In some ways we're doing better financially than we use to. The rent we pay on our house is much more than what we paid for the apartment, but we're still managing to survive pretty well. Maybe we're spending less on other things because that money isn't there like it use to be. We love the house tho, and have no plans on leaving it any time soon!
I think I just need to come up with a better financial plan for myself. I've never been good with money and I've got to learn how to be. Sadly, I get my penchant for spending from my Mom and didn't get Dad's thriftiness! Oh well.
Any ideas on how to go about this? Suggestions would be most helpful. I have no intentions of getting a 2nd job, mind you. We have precious little time of our own as it is. I know I need to make a list of my debts, and Michael's plus our expenditures. That will be a good start for sure.
A financial plan will also help me in not flaking out and making myself really follow through with things. I tend to do that alot, not follow through. We shall see.
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I made a budget in Excel...I just tracked EVERYTHING I spent for a couple of months - each bill, groceries, gas, etc and looked at what I was spending the most on. Obviously you can't cut out your bills but maybe it'll help you see another area where you spend unnecessary money. I guess if it's something like groceries, you could coupon but I've researched and it takes A LOT of time but you can still keep track of the stuff you use most when it goes on sale and try to buy in bulk then. Budgeting is hard! I would like an endless supply of money - I don't have to live like a "Real Housewife of Charlotte" but I would just like to be comfortable, haha!
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