My husband is retiring from the Army next year. Oh, yes, he’s actively looking for employment for when he gets out, but we have been so spoiled! In addition to his base pay, we also get housing allowance, and health, dental and vision insurance. Short of a job in D. C. (shudder), there is really no job out there that can match what he gets in the Army.
Before everyone starts jumping all over me (why don’t you get a job!), I feel I must point out that I homeschool our four children. I also run a small party-plan business that at this point is not replacing his income. Since home educating our children is a priority for both of us, I will not be able to get a job outside the home (well, I could go back to bartending a few nights a week, if we were that desperate).
As I’m sure those of you who are also stay-at-home-moms know, one of the best ways we can help with the family finances is to be frugal. I’m no spendthrift, we don’t hit the drive-throughs, we try to mainly make food from scratch, we shop the grocery sales and buy generic, we hand down clothes and shoes until they’re falling apart, we shop thrift stores and clearance racks (sometimes I find clothing on a clearance rack that costs less than the same thing used from a thrift store), we outright own our older used vehicles, and we don’t have cable.
BUT, I am guilty of almost daily Starbucks beverages. And not the $2 cup of plain coffee, the $5.83 grande pumpkin spice latte type coffee. That’s *gasp* about $30 a WEEK before tips! That’s $120 a month! And don’t get me started on the ice cream runs, and the couponing (uh, that will be the end of me). “I thought couponing saves you money?” No, not always. Sometimes it tempts you to spend a whole lot, a dollar or two at a time.
So when I saw this “31 Days of living well and spending zero” challenge hosted by Ruth Soukup at Living Well Spending Less, I decided now was as good a time as any to cut out the extra spending. I think it would be a great kickoff to a new habit of overall spending less than I do now.
With pledge signed, I’m ready to embark on this fun challenge!