Thread: family lives off 44thousand a year......yah, ok

I know a dozen corners I could cut if I could be home. the problem here is how when DH and I both work 10 hr days. I do good to get laundry and dishes don. The weekends are a disaster of doing errands. this week I forgot to put a stamp on our house payment and got it back in the mail. We work factory and now we are worried for our jobs. things just keep getting harder. I am happy for any tips tricks and saveings I can find.

Originally Posted by mdowdy

Sure Shell I will be glad to let you know how I do it, I will get that thread started in the finance section in the next couple of days. ...

What do you consider extra? Are you talking extra material things or extra money LOL ...

I think part of what helps us is we live in a city where the cost of living is not that high, so what we can get for a certain amount may not be an option for everyone.

Thank you! It may be that we can help each other out. Even though I can't imagine living on such a small salary, I do know how to save money, as I don't like to waste it. Ending up in so much debt and realizing that I may not have anything for my kids when they are older really hit home when my grandma died in 2006. For example, I live by freecycle. I think it is great to see what people are giving away. Sometimes you can really get some great things, depending upon where you live.

I guess for me there are certain things I don't consider extra that others would. Like a cell phone. It is not an option NOT to have one. My daughter is in daycare and I spend most of my day in meetings, so having a cell phone makes me feel comfortable. BUT, do I need the ability to see email from that phone, to use the internet, to text message or have I just become accustomed to it? I don't consider the internet an extra since I attend school online and use it for school, work, my daughter's homework, etc. I could consider cable extra, but it is a package deal with the internet and house phone ($60 for it by itself but $99 for all three for two years).

Will you send me a PM with the name of the thread or a link to it so I can be sure to come be involved! Thank you so much!

~Shell

Originally Posted by redring

I know a dozen corners I could cut if I could be home. the problem here is how when DH and I both work 10 hr days. I do good to get laundry and dishes don. The weekends are a disaster of doing errands. this week I forgot to put a stamp on our house payment and got it back in the mail. We work factory and now we are worried for our jobs. things just keep getting harder. I am happy for any tips tricks and saveings I can find.

I am happy to not be home and to work full time, but I hear you about it being easier to save money and cut corners when you don't work outside the home. I am learning discipline though and how to say no to the extras, like lunch, clothes, etc. I am learning how to invest in gift cards, freecycle, and other ways of getting things free, cheap, or for less than full price and only when NEEDED.

~Shell