I have been working many hours for the last two days to figure out a budget for our family. Are you surprised we didn't already have one? Yup....it's bad. The thing is, money matters really freak me out. It's a toss up for which is worse....Knowing how much money you don't have, or just not really knowing. The problem with the not knowing is that you just spend until it's gone, and some bills get neglected. This adds signifigant late fees and interest to said bills. We are really hoping to get out of debt and this looks like it might be the year to do it. It is projected that we will be able to take a sizable amount of money from Cheez's online business during the 4th quarter, which will enable us to pay off EVERYTHING...but the house, of course. But in order for this to happen, we've got to be on a really tight budget for the next 4 months.
After putting everything down on paper, I came to the realization that we are in no way making enough to pay everything we owe. That's scary! With our budget, we will have absolutely zero money to do anything extra. And we have to be really careful with grocery money. REALLY careful! Have you ever had to live off of food storage? I'll let you know how that goes.
I know that when January comes and we are out of debt, everything will be worth it.