HAPPILY EVER AFTER?

HAPPILY EVER AFTER?

I'd like to think that our financial life is happier, but the reality in our current economy is that we took a $10,000 hit on our income last year, and a $20,000 hit the year before. So we are down by $30K in 2 years. That will pierce even the most defensive and worthy budgets.

The next step was to change our choices and lifestyle. Except for special occassions like birthdays and anniversary, we almost never eat out. (And - shocker - we are all healthier for it.) I price shop online so I know if I'm getting a good deal locally. I ate dirt and asked our CPA for a discount. Gulp. The hardest question ever emailed. (I didn't say I was brave.)

I put a box of granola bars in my car so if I'm famished and can't get home for lunch, I have a snack at the ready to tide me over. A great alternative to spending money on bagels at a coffee shop. We also gave up latte's long ago.

We are planning a trip 'back home' this summer and are looking forward to the drive and camping along the way. Air travel is out of the question.

My husband is a plumber, so his work clothes come from the thrift store. I was blessed with two boys, so we have never had the hair and clothing expenses. And I take care of my wardrobe, classic style pieces and a little shoe polish goes a long way.

And the best defense to an attack on your budget is the word "No". No, I don't need it. I may WANT it real bad, but I don't NEED it. You should practice saying it. The world won't fall apart if you decline an invitation to a baby shower, or decide to do your own oil changes instead of a quick lube shop.

We will all be ok through this coming decade, and we will be stronger from it. In the meantime, I wish you much success in getting your home's financial life in shape.