Saturday, September 28, 2013

We're in the BLACK... for a couple of days

Wow! It has been a challenging month! Finally "manning" up and looking at our budget and where we are financially has been difficult. 

We have spent a lot of money this month on bank fees. Our bank charges $5/day for overdraft - and unfortunately, we have been in it a lot this month. It has taught us, though, how important it is to try and stay where we are.

How have we climbed out? As I said using our overdraft a bit, paying minimums on credit cards, buying minimal groceries, keeping up on our bills, and eating what food is already in the house. If you are struggling, I challenge you: look in your freezer and cupboards. What is already there? Do you have leftovers that you have stored away for a "rainy" day? This is the time to use them. If you are not making a list when you buy groceries... DO IT!  That will save you from buying more than you need. Those are a couple of things that we did and it has definitely helped a lot.

We won't be completely out of the red for a few days but it is definitely looking brighter!

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