I have decided to move to a paid hosting service instead of using the free blogger. I figured it was easier now while this is still new and there's not a lot of content to move.
Spending fast. Spending diet. A period of time where you don't spend ANY money except the essentials. My poor spouse still thinks Taco Bell and Arby's are "essentials". I have done a lot of reading about people doing spending fasts and most do it for a month up to a year. We are starting with baby steps. The first week, we had gone grocery shopping that weekend so we had plenty of food at home. We (meaning I) chose to go Monday, Tuesday, Wednesday without spending. He agreed because he knows we need to cut back. On Monday I came home from work and he asked me for about 30 minutes straight if we could go to Arby's. I stuck to my ground because I always bend and said "no". He said he had a bad day, I said I'm sorry but we're sticking to this spending fast. We ended up making breakfast for dinner and it turned out really well. Tuesday, we had to go visit a friend and normally we go out to eat. Once again, we disagreed and then he finally realize...
My student loan debts are gone. I make extra payments on my car so that should be paid off a lot sooner than the loan. But, now we get to my husband's debt. When we were young and dumb, young, we didn't think to much of how student loans were going to affect our future. We knew we needed loans to go to college and some to live off of. We made the mistake of my husband not working AT ALL and taking out the max amount of loans so he could focus on school. HUGE MISTAKE!!! Now we're at a point where we can't even make the minimum student loan payment on his loans. He did an income based repayment plan a couple years ago (we weren't married yet so didn't have to include my income). After twelve months of the IBR plan, he OWED more than when he started out one year earlier. So we're at a loss. We learned with my loans, the only way to make a decent dent is to make higher payments than the minimum. That is impossible if you're barely paying the bills. We s...
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