Archive for the Budget

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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Surviving a Pay Cut

Last November Mr. Money lost his job.  Luckily, he was able to find a great job that paid really well and actually provided benefits. Last week we received the unfortunate news that he will have to take an hourly position for 40 hours a week at a huge pay cut.  I’ve been an emotional wreck for a few days, but I’m trying to see the positive in the situation and try to do something about it.  I feel if I have a plan that will make me feel better.  Here are some of the things I’m going to be doing: -Going over our budget and getting back on the bare bones budget.    This bums me out because I liked having wiggle room, saving for retirement, and being able to pay our bills.  With Mr. Money’s new pay, we’re either going to be really close or short with being able to pay our bills.  I’ll know more once he gets that first lower paycheck. -I’m going to be working more at freelance writing to see if I an generate more […]

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