I must say, that I have never been one to be frugal at anything, especially when it came to spending. Not that I bought really expensive things at all but when my husband was alive, I just never thought about money!!
In fact, I must have been in that mind-set even when I was young. I remember my father always telling me "that I thought I was born with a silver spoon in my mouth!"
It really wasn't till recently, when of course, I knew the stock market wasn't doing too well, that I thought possibly I should pay attention to what I had and how it was doing!
Hence, deciding to put myself on an actual written down budget.
Up to that point, I never did have a budget!!
Well, I had a rude awakening.
A wide-eyed moment!
Not the good kind.
I discovered that I was spending more than was coming in!
That is the first "no-no" of living without going broke!
Kind of scary!!!
I started listening to Dave Ramsey about getting rid of my debt I had on credit cards and using only cash for the things I needed.
I bought his book, "The Total Money Makeover"
(Recommended by the way!)
I took the credit cards out of my purse and put them away.
I successfully got rid of my credit card debt and only have the debt of an equity loan that I had taken out when I redid my kitchen and a couple other rooms in my old house.
I use an online budget tracker called "EveryDollar" that Dave Ramsey recommended.
(That's when I found out I had a spending problem.)
Or rather a money management problem.
So now, at the first of the month, I take a certain amount from the bank and distribute it into the envelope system that I carry with me to be my spending money for the month.
Of course, first I had to work out a budget and budget categories and figure out what I could spend.
I'm still working on that somewhat to tweak it so it works better.
Because I still am not being FRUGAL enough!!!!
I have to do more.
So that is what these next few posts will be about.
Me finding ways to cut my budget still further.
Things that work for me and things that don't.
I am trying to develop a frugal mindset that will work for me without sacrificing my quality of life.
I don't want to have to stress over money!!
In my next few posts, I'll discuss the things I am trying that are working and some things that haven't worked for me.