Wednesday, September 28, 2011

Ughhhh it is time.....


to get my love spending ass on a budget. I have been putting this off for years and it is time for me to become a little more financially responsible. As a family we have 0 debt except for our mortgage and one vehicle so I think we are doing pretty well but we also live in one of the most expensive counties in one of the most expensive states in the US, were 250,000 a year is just getting by...which is do f*C*** sad. With all the drama that is going on with unemployment and shaky companies and the overall shitty economy in CA -  it is time that I start doing better when it comes to not wasting money.
Why...... do you ask that I have suddenly decided to start doing this?  It has allot to do with me sitting down and adding up a bunch of receipts from one day and seeing how stupidly I spent money. Then I decided...mmmm let's see wouldn't be a barrel of laughs to see how much I spend a month on stupid shit and my jaw hit the floor. Did I really...are you friggin kidding me...WTF..... That is when I realized it was time for a change.
We have spend some stupid shit money on vacations, clothing for LDG, my very very bad designer handbag obsession, throwing off the chain dinner parties and the list goes on and on. So I have decided to take on the budget challenge.

I am a SAHM and I worship {yeah I said worship...and} my hubby to be able to provide for our family so I can stay home and be with my child. I am 41 and I will not be having another little one so I want to make sure I am there for her all the way. Which works for me. It does not mean that when she starts preschool that I am not going to go back to work part time but right now my one job is to raise my daughter and NOW make sure that we are not spending frivolously....{hubby can get his shop on to - two way street in this casa}. Just by shopping around I have already saved us over 1,500.00 a month from our daily bills. My lovely hubby's company does not supply health benefits {I know right} so we have to pay on our own we were paying through the nose so I decided it was time to look for a new plan.  I found one via our awesome neighbor who is an insurance agent and that saved us a bunch as a family,  plus we paid off one of our vehicles this month. Yeahhhhhhh!

Each week I am going to take on one more thing in my life that we as a family could be saving on and feature a post in my blog. The feature  will be called

What a Waste Wednesday!

There are certain items I will not compromise - good healthy fresh food, my child's education and my tri weekly man/padi/wax unless my hubby wants to be kissing one hairy big foot.  I would love to hear any advise or comments on how you work with a budget/save money to help a newbie out.
OK budget....let's get ready to Ruuuuuuummmmbllllleeeee!

9 comments:

SoCal Sweetheart said...

sigh we have to go on one too, and the thought of having another kid is like WOW not now lol. I hope it works out and keep us posted!!! <3 hope ur mid week is awesome

Susan said...

Oh the ebil budget. I was doing well for so long and I have fallen off the budget choo choo. Sigh... You have guilted me into it! I'll do it. Waaaaah!
Susan
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Colie's Kitchen said...

Hi this is Nicole from Colie’s Kitchen I just discovered your blog and wanted to drop by and say hi. I am now a new follower. I would love to have you stop by Colie’s Kitchen if you get a chance. www.colieskitchen.com

April's Homemaking said...

Thanks for visiting my blog and following, I am now following yours as well, and look forward to reading more of your posts. Yeah, I know all about the budget, I am a SAHM too, it is hard to cut back on shopping trips, but in the end it keeps things simpler any way :)

~April

Michael Ann said...

LOVE this idea. What a Waste Wed. We could all benefit! I have to budget too but I don't mind because i am by nature very frugal.

I'd say one BIG thing NOT to do is shop for entertainment. And don't look at the ads in the Sunday paper. Period. Just don't look, because when you look you inevitably will see something you think you "need."

Learning to discern wants from needs will help a lot.

Good luck and I look forward to your new feature!

Cheapsoda and Dooty Booty said...

I love your blog! I will actually be posting a blog tomorrow about budgeting :) if you want some ideas :)

Kathi said...

great point about moms and drinking...thanks for following...already a loyal follower...enjoy your week...

StylinMom said...

Oh boy can I relate...it is time for a big ole budget around these parts as well....thanks for dropping by today...I am a new follower glad I found you!
m

Ronni said...

I am pants at budgeting, but I wanted to say GOOD FOR YOU treating yourself to the mani/pedi. Even when you're budgeting and pinching pennies so hard they scream, it's a good idea to do SOMETHING nice for yourself every once in a while. Otherwise, you'll feel like you're grinding away for nothing.

Good luck with everything. :)

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