Archive for the Budget

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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Why Does Spending Money Make me Happy and Sad?

Over the past few months I’ve been a little more lax about spending money than I used to be.  I have had a hard time in the past spending money on fun things, and was always beating myself up about it.  I decided to be a little more laid back and it’s come back to bite me in the butt.  It’s not like we’re living paycheck to paycheck as a result of it, nor have we gone into debt, but I have noticed little habits that I’d like to nip in the bud before they get out of hand. It’s so hard because when I spend money and get fun new things (especially in the mail) it makes me so happy! Then I realize how much money I’ve spend and how I probably didn’t need that thingamajig and it makes me sad.  Luckily, I’ve noticed that this has become a problem and I’m starting to address the issue. My biggest problem is shopping as a hobby.  I’ll admit, there have been quite a few days where I’ve been bored and […]

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