So since Christmas time we have really been struggling by the end of each pay period..... it's been hard and so we decided to have someone come in and help look over our finances and what is the best plan of attack to get out of debt.... other than our mortgage of course.... well I won't get into details but boy was it an eye opener. So it means there are a lot of changes happening in our household. We are getting rid of somethings that we don't need, that are really just wants..... we are creating a menu and sticking to it..... we are not eating out as much.... I might be watching 1 or 2 kids during the week and David might be getting a second job. The key is we won't be spending money frivolously and we will have to cut back on Birthday and Christmas budgets etc..... it will be hard, we will be tight on Money for a few years, but if it is what it takes to get our budget back on schedule and get out of debt it will be worth it.... better to do it now when our kids are small and they don't understand they are missing out on things, than in 10 years when they can understand it. We are trying hard to get out of debt, we don't want things to get worse..... we are looking forward to a bright future, even if it takes a lot of tears.... (tears which have been shed today) patience and years.... So if you ask us to go do something it's not because of you it's because we are getting out of debt, if you get something small or nothing at all for birthdays or Christmas it's because we are trying to better our family situation, and get out of debt. We will get better and we will overcome this but it will take time. So for now I will say goodbye... please note one of the changes happening is getting rid of the internet and using our phones for internet..... so don't be surprised if the frequency of my blog posts go down quite a lot...... its better for my family and I have to do whats best for us!
Love,
TT
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