I am a worrier. I worry a lot. I worry about little things. I worry about big things. I worry about other people's problems. I worry and worry and worry. So, it is no surprise that the economic downturn has me worried.
I worry that my husband will lose his job. I worry that we won't be able to pay our bills. I worry that my children will grow up in poverty. And really, I have no reason to worry excessively about these issues. My husband's job is pretty secure. All of our bills get paid every month. And my kids have everything they need to be healthy and happy.
But I still worry. We have a high mortgage payment, several credit cards, and tons of medical bills. Although we are able to make our minimum payments each month, it feels like we will never get ahead - we will never have money to save.
I really want to learn how to manage our money better. We eat out several times per week. We purchase things impulsively at the grocery store. We shop at Target WAY TOO MUCH. Although I have tried to curb these frivolous expenses, we seem to always fall back into the same ruts.
Any words of wisdom? How do you save money?
***This post was inspired by the woman in front of me at Target last night. She spent $952.38! As she signed her name to the credit card slip, she began crying. Disturbing and depressing.