Changing our mindset when it comes to money is pretty difficult to do when you're set in your ways.
Since It's been MONTHS since I last posted I have decided to change that. I will try to post daily and get in the habit of sharing. Since I have been on a savings kick, we are trying the David Ramsey Baby Steps thing. We already completed Baby Step 1, and are in the process of Baby Step 2. I know it's usually the longest one to do because it involves paying down all debts, and boy do we have some!
I think that the hardest part of this whole thing is making a budget and sticking to it. I think a discussion is in order and maybe we can get this done, It would be nice to put the money up for a down payment on a house instead of paying some store for stuff we bought on payments.
Wish us luck!
There have been a lot of things since my last blog post. The apartment building that I have been living in for 8 + years was sold, and the new owners were not giving us new leases when the old one expired-in essence, they were kicking everyone out. Boo. We were given several months notice, so we started the process of purging the items we no longer used or needed and donated to the regular charity that we always donated to. Then we cut down our bills, so we could afford a higher rent price if needed. We looked for a couple of weeks before we found an ad that looked good: 3 bedroom and 2 bathroom house with a front and back yard. We jumped on it! It was occupied when we took the tour, and even with all the other person's stuff we liked what we saw.
So we got it.
1 year lease, and the only difference in price was approximately $50 higher than what we were previously paying. A pretty good deal. We also had less stuff to move, but to be honest it was still a lot of stuff. We decided to forgo the dressers and simply donate the clothing we no longer used, to accommodate the small closets. We can still donate more things but at this point in time I'm still tired from the move.
One thing we did invest in was grass seeds and a garden hose. Our back yard was filled with weeds when we were given the key to the house, so we pulled the weeds and were left with a dirt lot. It's our first foray into grass growing and once we seeded and watered it grew in patches. We'll try again later, but for now we are pretty proud of our little patches.
Getting into this rental house got me thinking of how I want my own place now. After all, both my brothers are homeowners (one of them did own 2 of them at one point) And looking at the size of this place and what I want I think I can make it happen. I've been interested in this Dave Ramsey finance stuff so I might give it a try. I was thinking of doing his Baby Steps to see if that works for us.
We live paycheck to paycheck and it's been like that for years. We want to change that so we can at least have some money saved up for emergencies. We're happy with the new place. Hopefully we can grow as a family both in closeness and in finances.