I am sitting here pouting... like a 2 year old (I have great experience, now watching Cy pout 24/7 - I have it down PAT!). I just took out my SIM from my iPhone - what a beautiful phone that is! lol. And put it in an old, non-smart phone. And let me tell you - there is NOTHING "smart" about this phone :-) I have BUTTONS again for crying out loud! In the process of getting used to being without my map ap, facebook/gmail/games/calendar/notes.... the list of APs goes on. But I'm ok. I will survive! ..... Maybe ;-)
With a 2nd kid on the way, while we could afford the data plan on our phone and everything else - we decided NOT to. It was either, keep living how we WANT to live, get a full-time job, and go on with life. OR cut out a TON of things, stay home with the kids, and enjoy life in a different way. Who needs an iPhone - when you have a beautiful, though CRAZY 2 year old to chase around while 7 months pregnant?! HA! My data plan was $40/month - craziness, I tell ya!
ON to next thing - cable and internet :-) We cut out cable completely. Our TV went out a little while ago and instead of buying a new one, we now have a tv-less living room. I love it! Cy doesn't watch TV at all except in our room for brief times during the week, and we don't have the constant pull of the TV. :-) We are saving over $70/month! Get some netflix and HULU on XBOX to old TV in room and we are good to go! :-)
Simplifying life is my new moto. LIving without the extras... enjoying free things. I am loving it too! It's hard when I cut out the iPhone and i"ll be pouting for a few more days while figuring out how the non-smart phone freaking WORKS but it's worth it! We are adding that much more into our savings accounts and I am able to stay home that much more with my beautiful boy and soon to be ADORABLE baby girl. Priorities :-)
OK just had to pout a little bit...it helps. And to get more perspective while typing it all out. There is an end to this - and I will do anything to be debt free and living the life! Live like no one else now, so I can LIVE like no one else later :-)
Fouladi Family
Showing posts with label Dave Ramsey. Show all posts
Showing posts with label Dave Ramsey. Show all posts
Wednesday, May 25, 2011
Wednesday, April 6, 2011
Cash System
The first thing Ash & I learned with Dave Ramsey was about his cash system. You pay CASH for most everything - gas, groceries, clothes, misc, ect. This way you SEE and FEEL how much you are spending and you are more aware of it. It is amazing when I started this! I mean, when you have $20 spending money a week and Starbucks takes $6 of that... yeah, you start re-thinking how important Starbucks coffee really is! When you have $100 a week for groceries (including diapers, wipes, toiletries, ANYTHING for the house) - you start looking for coupons and other ways to save where you can!
Before, I was a debit girl! Everything was debit for me. It was easy, quick, FUN :-) But I never FELT the sting when my money started decreasing the in bank. With this - you feel it! You feel it bad! It's awesome! I spent $82 on groceries this week, and I was so excited, I was able to put the remaining money in my "savings" envelope and am so anxious for next week when I can add MORE to the savings envelope! :-)
You should definately try it! Yes, it's hard, it takes work and getting used to. But you seriously do spend less because seeing the money slip out of your fingers... there's nothing more painful :-)
What is my point is saying all this? Well, I used to drive around town like crazy - going here and there whenever. Well, gas has now murdered us at 3.60 a gallon - OUCH! And I have decreased my gas allowance to put the extra cash to other more important things, like bills :-) So I get $30 a week for gas. yeah.... at $3.60/gallon... $30 gets me LESS than 3/4 a tank! Are you kidding me?! What am I to do with 3/4 a tank of gas for SEVEN days?!
I'll tell you what: cut out all driving, go to the park and library a lot!, see friends who live close by, and make people come to me :-D This cash system has made me start counting mileage - something I never even CARED about and is making me do FREE things around the area :-) I love it!!! Good for the car (less wear on it), good for my $20 spending money (hehe), and good for me to learn a valuable lesson = when the money is gone, it's GONE! There is no credit. There is no charging it, there is no taking it from savings. It's gone!!!!!
More of us should do Dave Ramsey - stop living on credit, stop living beyond our means, and start living like God wants us to! Responsible stewards over what HE has GIVEN us....
Before, I was a debit girl! Everything was debit for me. It was easy, quick, FUN :-) But I never FELT the sting when my money started decreasing the in bank. With this - you feel it! You feel it bad! It's awesome! I spent $82 on groceries this week, and I was so excited, I was able to put the remaining money in my "savings" envelope and am so anxious for next week when I can add MORE to the savings envelope! :-)
You should definately try it! Yes, it's hard, it takes work and getting used to. But you seriously do spend less because seeing the money slip out of your fingers... there's nothing more painful :-)
What is my point is saying all this? Well, I used to drive around town like crazy - going here and there whenever. Well, gas has now murdered us at 3.60 a gallon - OUCH! And I have decreased my gas allowance to put the extra cash to other more important things, like bills :-) So I get $30 a week for gas. yeah.... at $3.60/gallon... $30 gets me LESS than 3/4 a tank! Are you kidding me?! What am I to do with 3/4 a tank of gas for SEVEN days?!
I'll tell you what: cut out all driving, go to the park and library a lot!, see friends who live close by, and make people come to me :-D This cash system has made me start counting mileage - something I never even CARED about and is making me do FREE things around the area :-) I love it!!! Good for the car (less wear on it), good for my $20 spending money (hehe), and good for me to learn a valuable lesson = when the money is gone, it's GONE! There is no credit. There is no charging it, there is no taking it from savings. It's gone!!!!!
More of us should do Dave Ramsey - stop living on credit, stop living beyond our means, and start living like God wants us to! Responsible stewards over what HE has GIVEN us....
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