We have made a commitment to each other that we are going to stop any extraneous spending (after we have worked out what that word means!) until we have some money in the bank. I am quite excited by the idea of actually having some money reserves, so doing a few less things and buying a lot less stuff doesn't feel like much of a hardship compared to the stress of not having enough money to get along on. We are in overdraft this week due to this issue, and I hate that.
The problem started in the summer holidays when we went down to one income but carried on spending money like we were a two income family. It meant we ran up a huge bill on the credit card, and then when the other income started up we spent that instead of using it to re-pay debt. So we didn't make any progress on the debt, it even got bigger.
Now I need to extend our debt levels on the house so that we can put in a new fire, as the old one is not safe. And we need to get the swimming pool out, and we need to do a couple of other things. Its not a good feeling. It feels like a heavy weight of stress sitting on my shoulders. And of course if I suddenly became unemployed we would be in very serious shit. Cos there are not a lot of options for me in Wanganui...
If the other half regards this as a real trial and totally horrible, then this is going to be a very difficult time for us. For me, the idea of belt tightening is exciting, cos what I am seeing is the fantastic feeling of actually having some money in the bank!
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