Sunday, March 8, 2009

Never to late to start

I believe it is never to late to start over. I am the mother of 2 sons, the step mother of 2 stepsons and 1 step daughter and to overwhelming pride the grandmother of 13 fantastic grandchildren. I have been married to a great guy for almost 20 years. We have had many wonderful adventures during those 20 years. We have had our good times and our hard times.

We are now going thru another difficult time. This year has been really tough for us. My internet business is down so income is down. Then to make matters even worse our landlords raised our rent an extra $110.00 a month.

Off and on I have kept a record of grocery spending and coupon use. No sooner will I start ,then I will quit doing it on a regular basis. I find myself doing the CVS game but not following thru. I will go to grocery store and use coupons, buy store brands and sale items. But I never seen to walk out spending very little money like I hear others doing. Lately I have been surfing the web and looking at different blogs where they are sharing how they save. They have a goal to spend only $25.00 to $35.00 a week. Then to top it off they are a family of 3 or 4. How do they do it? Here it is only myself, my DH and Spooky our cat. I wonder how can they do it. In February we spent almost $250.00 on groceries and that does not include the cats' special diet food. I don't even want to get into what we spent going out to eat in February, but it more than what we spent at grocery store.

Here we are in the first week of March and my goal is to be smarter with our food money and to eat out less often.

At the end of April we will be moving to Texas from California to be nearer family. We need to start spending less now since that will be costly move.
I would love to put money in a savings account. The experts say that we should have 6 months living expense in the bank. We do not even have a savings account let alone any money in it.

Every year we try to give some of our income to a church and to a shelter to help feed the hungry. This year we gave very little, not only were times tough but we spent foolishly.

Now is the time to start over. We are moving to Texas where I will help my nephew in his business. Not only will this bring in some income to us, I hope to be an asset in growing his business on the internet. I pray our own internet business will improve.

We will be closer to Minnesota and our children and grandchildren
My goals are to spend less money every month.
Start sharing what we have with the needy.
And start a savings account.

As I start on my journey, I hope that you will join me with your prayers, your ideas and maybe even some of your goals and desires for this year