Sunday, January 31, 2010

Sunday...

Well, usually on Sunday I figure out what I need to do for the week and meal plan and look at the budgets and such.  I am soo not doing it today.  Matt just went to play some basketball but other than that we have just laid low and chilled.   So maybe I will tell you about our budget because I feel like part of my momness is budgeting.  When I quit work to stay home our income was pretty much cut in half.  I worried the last 3 months of my pregnancy.  I am frugal- ok cheap:)  I like good deals and I like saving money.  So a few years ago we started doing an envelope system.  Our stuff we pay throughout the month like gas, groceries, and tithe we put in envelopes.  We do this because we tend to spend more and not know where it went when we use out debt cards.  We don't use checks either- don't even have them.  It forces us to have to plan ahead if we have something we need to pay for.  We pay our other monthly "stuff" like morgage, utilities, internet, and phone with online banking.  I like that- I am in control but don't have to buy stamps and remember to send them on time.  Well this system doesn't work perfectly we do better with it than without.  So you ask--"Are we surviving with half the income?" yes!  I know I am surprised.  It isn't easy.  And we talk about money more than I would like to but it is ok. It has been kind of hard for me not to be contributing financially but I can't imagine teaching resource/special ed all day and then coming home and having energy to keep my family fed and loving on my son.  My house still isn't that clean or organized and I still have a spare room of mayhem in the basement, but I guess we all have our projects.  I now have thought about the week.  True I am going to continue sitting here relaxing while my son takes the once in a great while nap.  Happy weekend and have a great week!  

1 comment:

ProudMom said...

In a couple years, you won't miss that other income. :) This will be "just the way it is". You're doing great. We support the envelope system, and we hope to use it ourselves one day....Have you read any of Dave Ramsey's stuff?