Travis told me I'm not allowed to pay the bills any more because of how they, along with Suze Orman on Oprah and the financial experts on the Today Show, are freakin' me out.
I just read the post a Conversion Diary about money and living beyond our means and I guess that needs to be added to the list of things freakin' me out. But I'm going to make a guess that many of my friends are in a pretty similar boat as Travis and I - living paycheck to paycheck and currently putting nothing into savings. The savings thing is what really scares me. But THANK GOD we have MVV living with us. With his awesome rent (and I mean, seriously - $200 a month for your own place and the best landlords ever!) and 1/3 of the utilities we are spending less than 50% of our monthly income on fixed expenses. This is good.
So now, instead of freaking out, I'm going to make a list of all the VERY GOOD things we are doing to be financially smart.
- cutting up extra credit cards and paying off all balances
- spending no more than $65 a week on groceries unless it is a stock up week.
- begin using only cash or debit cards
- finding more recipes for tuna
- making my own bread products (this includes wheat bread and tortillas)
- buying store brands
- using coupons
Along with those things we are also
- trying to be generous with what we do have
- working on increasing our tithing to a full 10%
- making a point to thank God every morning for everything we have: our home, insurance, our cars, our health, Travis' job and job security, my job, MVV, our friends and family. This last bit is the most important, I believe.