Wednesday, March 23, 2011

So I am back...

It has been awhile, a day turned in weeks, weeks turned into months, and before I knew it I hadn't been on here in a long time. It also means I haven't been that into my "journey".

But I am back...physically and mentally...or somewhat...

So what have I been doing? Well we joined the YMCA, which was a lot to lay out each month, especially when you are trying to save and cut back. But it has been worth it. I have been going to the gym almost every morning while my son is in preschool to work out, and I am able to leave me 1yr old in child watch at the ymca and have some "me" time.  I started out with just 30 mins and have worked up to 1 1/2 hours. I have rediscovered my love of YOGA and pilates. And have lost 10lbs.

Financially, we have cancelled Time Warner cable and internet and switched to Direct TV and DSL. Savings almost $100 per month, we also downgraded our smart phones to regular cell phones and have saved $80 per month. I have been diligently cutting coupons and trying very hard to save money at the Grocery store. I have greatly curtailed my outside coffee and lunch habits, trying to limit any unnecessary food  expenses. By joining the YMCA, I have been able to save Gas by going to a YMCA near my son's preschool, instead of driving home and back while he is at school. Also by creating a GYM habit I have been able to keep myself from shopping while he is at school, which used to be the favorite pastime.

Unfortunately we have had many unforeseen expenses over the last few months, lots of illness and ER visits with lots of copays. My husband's 16 yr old jeep finally became to unsafe to keep driving, and needed to many repairs to make it worth while, so we purchased a used mini-van and took a short term loan to finance it. Originally, we planned to pay off the loan with our Tax return but now I am not sure if that is right plan, as the interest rate on the loan it quite low. So I think it might be more prudent to put the tax money on the credit card with the highest interest rate. I guess we will seen.

We are also going on a trip in the coming month. My husband side of the family always gets together sometime near Easter, they all meet up in Florida where my in-laws live. We have not gone to this get together in several years. Unfortunately my husband's grandmother in not in good health and may not be with us much longer so my husband really wants to go this year to see her and have her see our children. So my mother in law has graciously given us money towards this trip. We cannot afford to fly, so we are going to be driving. I am sure that unexpected expenses will come up, but we will be staying with my in-laws so at least we do not have to pay for lodging. Family is more important than money....

So that is a quick catch up...I will be back more often, as I find I need this outlet in order to be more successful and accountable in this journey.

1 comment:

  1. Clark Howard, a complete nerd but a financial genius, always advised people to pay off the things with the highest interests rates first when they come into a bit of money (from refunds, wills, etc.), so you're on the right track.

    I love that you've downsized a few things, and by doing so it will free up money for the unexpected things, like the car payment.

    I have my own personal challenges that I'm working on, and even though they're a bit different than yours, your blog is nonetheless inspiring. Thank you for sharing.