Tiggerlovinggrandma
Mouseketeer
- Joined
- Jun 22, 2008
So DH has made some seriously not smart money decisions and has gotten us into quite a mess. I thought WE were doing OK until I recently find out DH had fallen so far behind in payments and resorted to stealing from peter to pay paul and well, we all know how that ends up. I wish he had come to me sooner. He said he didn't want to worry me with all I am going through health-wise. We've had a large amount of medical bills in the past few years which has not helped us any. And of course we helped our daughter out this past year as she is going through a divorce, etc. She has fortunately moved back out on her own and is fully aware her Dad and I can no longer afford to help her in that way anymore.
DH and I have went from pretty much living budget-free to needing to tighten our belt significantly. We need to cut way back on everything until we can climb ourselves back out of this hole. DH is in process of job hunting. He retried 10 years agao and lives on a trust. I have not worked for the last 12 years as I am disabled. I have never asked for disability as we thought didn't need it. Now I may have to but have no idea how to go about getting it? I am also open to working at home doing something if this is a legitiment option???
At the moment we need to figure out where and how much we can cut back as well as how to do just that? We refinanced the morgage so far which will save us $100 a month. Not much but better than nothing. DH has also signed with a debt resolution company which will hopefully help us pay off our Credit card debt over the next 5 years.
We need to find as many ways possible that we can cut back and still live some sort of basic life? To say we will never again purchase a gift, a card, have Christmas, go out to dinner, take the DGS to Chuck E Cheese, have guest visit, go see a movie, etc would I feel, be expecting the impossible. So there must be ways others have found to live smartly money wise. I need to learn how to restructure our finances from the ground up and live as frugally as possible. HELP!!
Anyone who can share with me any tips, advice, whatever would be of great help. I'm sure in these hard economic times I am not the only one who would benefit from any suggestions anyone may have. So PLEASE suggest away!!
Areas I am looking to cut back on: Need ways to cut down on each.
Groceries
Prescriptions
Medical
Insurance (car, medical and life)
Utilities (land line, cell, cable, electric, gas, water, garbage)
Household repairs
Car Insurance
Clothing
Personal Care such as Haircuts, Hair color
Birthdays, Anniversaries, Etc
Christmas. Other holidays
Entertainment (movies, special activities, meals out)
Vacation (We have one coming up. Its to our nephew's wedding/ family reunion held at WDW 5 days in October) Need cost cutting tips for this too
DH and I have went from pretty much living budget-free to needing to tighten our belt significantly. We need to cut way back on everything until we can climb ourselves back out of this hole. DH is in process of job hunting. He retried 10 years agao and lives on a trust. I have not worked for the last 12 years as I am disabled. I have never asked for disability as we thought didn't need it. Now I may have to but have no idea how to go about getting it? I am also open to working at home doing something if this is a legitiment option???
At the moment we need to figure out where and how much we can cut back as well as how to do just that? We refinanced the morgage so far which will save us $100 a month. Not much but better than nothing. DH has also signed with a debt resolution company which will hopefully help us pay off our Credit card debt over the next 5 years.
We need to find as many ways possible that we can cut back and still live some sort of basic life? To say we will never again purchase a gift, a card, have Christmas, go out to dinner, take the DGS to Chuck E Cheese, have guest visit, go see a movie, etc would I feel, be expecting the impossible. So there must be ways others have found to live smartly money wise. I need to learn how to restructure our finances from the ground up and live as frugally as possible. HELP!!
Anyone who can share with me any tips, advice, whatever would be of great help. I'm sure in these hard economic times I am not the only one who would benefit from any suggestions anyone may have. So PLEASE suggest away!!
Areas I am looking to cut back on: Need ways to cut down on each.
Groceries
Prescriptions
Medical
Insurance (car, medical and life)
Utilities (land line, cell, cable, electric, gas, water, garbage)
Household repairs
Car Insurance
Clothing
Personal Care such as Haircuts, Hair color
Birthdays, Anniversaries, Etc
Christmas. Other holidays
Entertainment (movies, special activities, meals out)
Vacation (We have one coming up. Its to our nephew's wedding/ family reunion held at WDW 5 days in October) Need cost cutting tips for this too