Archive for the Budget

A Minimalist Holiday Season

For the longest time, Christmas stressed me out.  Then last year came, and Mr. Money had just lost his job, and we were on no-spending mode so we really didn’t do too much as far as gifts went.  This year we’re dealing with a huge pay cut, so we’re being very careful with how we spend the money we have budgeted for Christmas.  I’ve also decided that instead of being stressed out about buying gifts for everyone is not something I’m going to do this year. Mr. Money and I don’t typically buy each other extravagant birthday, anniversary, or Christmas presents.  A lot of the time we don’t really need anything so to go out and buy something just because feels silly to me.  I try to keep our clutter to a minimum, so buying some tchotchke does not bring a smile to my face.  Last year Mr. Money bought me one present: a Home Alone DVD, and that meant more to me than if he had bought me a diamond ring.  I love that movie, and it was such […]

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I Don’t Have a Cell Phone

I left my job at the bank in January of 2012 before Penny was born. Mr. Money was working for a restaurant and they provided him with a cell phone (an iPhone) that they paid the bill for.  When he lost his job, he obviously lost the previously paid-for cell phone plan.  This left us with a dilemma: we needed to figure out what we were going to do about our cell phone service.  Prior to him having that job, we both had Motorola Razrs (ha!) that we had on a family plan with Verizon.  The phones served their purpose and we had a basic plan. We’ve thought about starting our own business and then we could use both phones for that, but once we realized the importance of business loans we squashed that idea. Mr. Money became spoiled by the iPhone and wanted to keep the phone active.  We checked with various providers and the plans were around $80 a month, a lot more than I wanted to spend. We discussed putting both of us on a family plan […]

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