This month my cell phone contract with AT&T is up for renewal, and instead of getting a new device and committing to pay them $75 dollars a month for another two years, I am cancelling my cell phone service with them. That’s right. I will kick AT&T out of my house. BUT HOW WILL I [...]
I love thrifting. I LOVE it. When I stumble upon an amazing vintage dress or an designer sweater for $5, I feel like I found a true treasure, something unique and beautiful, and something that I can also afford to buy and own on our tight budget. As Phoebe gets older and grows out of her clothes, [...]
How much money do you spend a week on food? When I discuss this question with people, I inevitably get frustrated, because people always tell me a figure that seems unreasonably low. In our house, we budget; we keep track of every dollar; and we know exactly how much we truly spend on food each month. And, let me tell you, it is hard to spend only $50/week on food for two adults.
Money, money, money. Isn’t that the big green thing that keeps us from buying a house, or keeps us from affording the house we want? Thanks to a myriad of financing options, you don’t need $100,000 in the bank to buy a $100,000 house. In Washington State, a seller can disclose on his listing that he will accept certain financing types. The reason why sellers might prefer to exclude certain financing types is because there can be extra hoops to jump through or the process can take a lot longer. The reason buyers might prefer certain financing types is because they get a much better interest rate or APR, or there are other perks; also, if a buyer can only finance a home in one particular way, her options would limit her if the seller refused that financing term. As a buyer, if I saw a house I was interested in, and the online listing did not list the financing terms I wanted to use, I’d still contact the seller to check if he would accept my preferred financing method.
Do you think you might be interested in buying your first house? Perhaps you’re not ready to make a purchase now, but sometime in the near future you’d like a house? As a twenty-something-year-olds, Mr. Wetzel and I always assumed we’d get a house “someday,” perhaps in 5 or 10 years. Then our friend, Randy, bought a house and shared with us how much his mortgage was. Mr. Wetzel and I looked at each other, baffled, and we knew what each other were thinking: “That’s less than what we pay for rent!”
Some additional guidelines to help you stick with your budget: > Find Balance > Pay Off the Cards > Cut the Cards > Cash counts > Wish Lists & Shopping Lists > Accountability.
What spending categories do you have? How much do you need to budget in each area? Think of these categories separately instead of lumping them together with all of your earnings and spendings. > The Budget Binder & Individual Account Pages.
You must be aware of where you start from. Assess your current spending habits, as well as the attitudes you have about spending. > Keep track of all spending and earnings for 1 month. > Don’t be materialistic.
We’ve gone through the usual rigmarole every year: turning lights off in unattended rooms, installing energy efficient bulbs, turning the heat off at night or when we’re away, and wearing sweaters and slippers. In addition, we were thinking “inside the box,” being creative about the space that we are in and channeling its strengths to work for us.
Hi, there! I’m Erin. I’m a crunchy Christian mom and artist. I love to eat local farm food and shop at thrift stores. I blog about our crazy life and baby girl (born April 2011). I love rainbows. My hair is messy. ^_^ I hope you enjoy my blog! (Read More about me here...)