I have been a wee bit cranky lately. Little things have been getting under my skin - like how OTHER people spend their money. What the hell? I shouldn't care about other people's finances. But for some strange reason, watching people spend money really pisses me off. Especially people who spend frivolously. Those people are the WORST. All of this tension is probably stemming from the fact that I only have $150 dollars in my bank account. And that $150 needs to last until the 15th. Ugh.
So, we are thisclose to having our credit card debt paid off. We are so close I can taste it. But paying off our credit cards does not equal more spending money. We plan on taking this cash, and paying it toward a loan we have on our house. And when the loan is repaid, we are going to start paying all of that extra cash toward our mortgage. Basically, we plan on never having money ever again.
On one level, this plan makes me giddy with excitement. We could actually be completely debt free by the time our kids head off to college! WOW! That is awesome. But on the other hand, I am already sick of living paycheck to paycheck. I want to have a little extra spending money. And maybe a new outfit or two.
I know that we will have more in the long run by living frugally now, so I am trying to make the most of our current situation. Here are a list of thing we currently do to save money...
1. We never eat out. Okay, maybe we eat out occasionally - but never more than twice a month.
2. We no longer buy paper towels (they are wasteful and expensive).
3. We have set our central air to 79 degrees (in the past, we set it at 72 degrees).
4. I pack a lunch for my husband everyday.
5. I buy gently used toys for my kids off of Craig's list (stay tuned for pictures of Porgie's AMAZING used birthday gift).
6. I clip coupons.
7. I used Swagbucks and Opinion Outpost to earn a little extra spending cash.
8. I have been baking my own bread/pizza dough/desserts. There is so much stuff you can make at home for a fraction of the cost.
I am sure there is more, but that is all I can think of right now. Our hard work is paying off, because by the end of July, we will have paid off a huge debt in just 7 months. I am proud of us and our thriftiness! And apparently, I expect you to be thrifty now too. Don't let me catch you spending money on goofy shit. I'll give you the evil eye, while calling you names under my breath.