In a nutshell, a family crisis involving my 11 year old son changed our situation when it was agreed he would live with my father, 3 hours away. On top of the emotional starin this all caused for my household, between no longer getting child support from my ex, and now paying out child support to my Dad, our income $ dropped by $1k a MONTH, on top of my husband's manufacturing business barely eeking by. It has been such a tough year for us, all around. These last few months I haven't even made up a monthly budget, which I have done every month without fail the past few years, and we've made NO progress on our debts in a good 9+ months.
So....I need to get off my duff, get budgeting again and stick to it! I need to concentrate more in this new year on the snowball, every little bit counts. I am opening my own etsy shop next month to help a little, and my hubby's business is picking back up. We -hope- to purchase a new-to-us mini van,. paying cash, later this year, if we can swing it- piecing it together bit by bit, but sure does hamper the debt reduction efforts. I try to remind myself planning ahead to NOT acquire new debt is a step towards our goals.
We've thus far made it, sometimes it felt like we were -just- staying afloat, but bills have all been paid, on time, we've been just getting by.
Back on track, our horrible 2009 is almost done, 2010 is a new year! Thanks to all of those of you who share your sucess stories, inspiring me, or share your hardships, making me feel not quite so alone in these tough times!
So....I need to get off my duff, get budgeting again and stick to it! I need to concentrate more in this new year on the snowball, every little bit counts. I am opening my own etsy shop next month to help a little, and my hubby's business is picking back up. We -hope- to purchase a new-to-us mini van,. paying cash, later this year, if we can swing it- piecing it together bit by bit, but sure does hamper the debt reduction efforts. I try to remind myself planning ahead to NOT acquire new debt is a step towards our goals.
We've thus far made it, sometimes it felt like we were -just- staying afloat, but bills have all been paid, on time, we've been just getting by.
Back on track, our horrible 2009 is almost done, 2010 is a new year! Thanks to all of those of you who share your sucess stories, inspiring me, or share your hardships, making me feel not quite so alone in these tough times!