The point of me starting this blog was to teach the steps that helped me save over $10,000 in 15 months. The difference is I now make $40,000 less a year than when I was able to accomplish that. Now I feel like I am making cents while trying to turn them into dollars. Today I want to be really transparent with you, after I completed my budget I realized there was NOTHING left to save. When I say nothing I mean I my bills were $66 over my income. When I decided that I was going to get my act together to start saving I knew that it would be difficult and that it would be more difficult than the last time. I refuse to not save though. I have completely stopped with my hobby of “clearance shopping” where I buy things simply because they are cheap. Knowing that my budget is in place and that I am over budget the first thing that I will be doing is called the debt snowball. I will start with my smallest bills and use all my extra income to eliminate them. As of now the smallest bill I have is a credit card with $428 dollars on it. To help me get this paid down I decided to go through clothes that my children and myself no longer wear or can fit and sold them to local consignment shops, to my amazement I was able to get $125 dollars between the two. After applying that to the credit card it not only eliminated my monthly payment but also lowered my interest. Making less makes saving difficult but not impossible. You can do this. I can do this. We can do this.
-Budgeting Cents
Budgeting While Making Cents 