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Nikki Valentine

New Years Resolutions way before New Years Day

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I sat tonight with my husband, talking about our particular situation. You know the one, kids, parents, grandparents, economy, debt and the like. It's probably the same one that someone reading this is going through too.

Not enough to keep up with the bills, not enough quality time with the kids, not enough energy to do more then the day to day requirements of life. It is disparaging and sometimes just outright depressing.

So as we sat down to try to sort out what was going to be paid when and how, we had to take a really hard look at where our money is going and what we could do to eliminate the waste and apply that to our bills. We found that we are currently spending almost $800 a month on groceries!!

I honestly think that a lot of the issue is that my husband and I both grew up in poverty and ate pitifully. We have really pushed to give our kids only the best, this includes the food we give them.

So as we thought more and more about it and how we were going to reduce our spending, we realized we had to go back to basics, eating meals that wouldn't be served in a five star restaurant. We figured if we could save $300 a month on groceries, then we could apply it to the smallest bill we have and pay off the balance, then we would have the additional $300 a month plus the monthly payment we were giving to that debt and apply it to the next smallest balance and so on and so forth.

To be debt free (outside our mortgage and monthly living costs) by the end of 2010 was our goal and we decided we would start on New Years and this would be our Resolution, then I asked him "Why wait? That's three months worth of waste for no reason" and we talked it out and agreed that now would be a great time to start. Being the beginning of the month it is a great chance to start tracking our money, make some menus that are more cost effective and maybe we can get to our goal a whole lot sooner than we thought.

Here is to a new beginning and a new journey. I can't say how often I will be able to post but I am making a commitment to do so in order to track my progress. I will list what works and what doesn't work and I will get my family back where we want to be. I am so glad to have a place to share my thoughts and trials and find others like myself.

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