now that we both have full time jobs and are nearing the end of our second year of marriage, we have started looking into the future. we have talked about things we want to happen in the next year, 2 years, 5 years, and 10 years. we have talked about buying a house, buying a new car, and starting a family to just name a few. all of these things require money, and more money that we have right now. together we have finally been able to come up with a budget in order to make these dreams of our reality one day. this first month is kind of our trial run. we just made up some numbers and are both doing our best to stay within that budget. we might be WAY off, but at least it's a start.
the way i viewed our money was like a hole. i felt that each month we started at ground level. as we spent money, we dug a hole. at the end of the month, when we got paid, we simply filled the hole back up to the top, but there was not ANY extra. we were right back where we started, ground level. now, i'm hoping to see a little mound at the end of the month. i'm hoping the mound of dirt gets a little bigger every month until it's Mt. Everest (ha just kidding), but really.
a few things we have started doing to save money is:
1. cook more. i have started cooking more, and when i cook, i cook big meals so that they last us for several meals. i'm so thankful my husband doesn't mind left overs!
2. i have started couponing. it's very new to me, and i'm still not completely sure of what i'm doing, but i do know that i saved $36 last week on my grocery trip, and that's enough to keep me going at it. i follow www.couponcloset.com and get a lot of ideas from her.
3. use cash. husband and i never used cash. we only used our debit cards. for me, when i use my debit card, i'm not seeing the money, so it's not as big of a deal to me. now, i am using cash for groceries, clothing, and entertainment. the rest goes on the debit card. cash is easier to manage.
what are some things you do to save money? i'm open to more ideas!!!
