Bye Bye Debit Card

I realized something today. I can’t be trusted to manage the money. Yeah I make sure the bills are paid and we have food in our fridge. But if I have cash or the debit card I will go spend money. So I made a huge decision today, I handed over my debit card to my husband.

Now don’t get me wrong, I’m not giving up control of paying the bills or keeping food in the house. I can’t trust my husband to take care of it all. But now I have to tell him to go get money out for our cash envelopes. And I’m making him give us allowances. Yup, just like we were kids. Just like we give to our own kids. But it’d what needs to be done. I have already admitted that I am the spender. So this is the way I am choosing to deal with my spending.

My debit card will now live in my husband’s wallet. That way if he is gone I do not have access to it. So I better make sure I have gas in my car at all times. Hahaha.

☆☆Jenn☆☆

 

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Cutting the cord

So long cable! Well actually we haven’t had cable in over a year. But we have Netflix, hulu, and had a subscription to a service called Sling. We cancelled the Sling subscription, saving us $25 a month. Our internet provider however has been expensive! We have Cable One and they have caps on the amount of internet usage and we go over that ALOT! Meaning that we have been forced to upgrade our internet a few times. So after a little shopping around we are switching to Century Link. By doing this we will be saving about $50 a month on internet.

We even sat down with our insurance agent the other day and went over all our auto insurance coverages. We carry full coverage on both cars and renters insurance. While it might not make sense to carry full coverage on cars that are 15 and 18 years old, we ran a few scenarios. If we drop coverage to the state minimum and we get in an accident, while pretty much any accident will total our cars by insurance standards, having full coverage will allow our insurance company to still pay us the value of the vehicle so that we will have money for another car.

I have been very open about our plan and our goals of paying off debt. I have been open about following Dave Ramsey’s plan. I feel that it is the only way to hold ourselves accountable. And while we are still working on saving the $1000, I really believe that all these small changes we are doing will help us get to where we want to be.

And here is another garden update picture

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Garden Update

So sorry for not being around. I spent most of last weekend doing Garden stuff and yard work. It was such a nice weekend that we definitely took advantage of it. I just finished my work week….3 days in a row and I am exhausted.

But my garden bed is done! 12993584_10201529173988285_4548950712132513602_nNow there was a slight change of design plans. If you remember my original plan was to use cinder blocks…..but the store didn’t have any of the kind I wanted. So off to the lumber department we went. 12924454_10205567368293538_6495022289502676568_n We ended up going with some lumber and I am so glad we did. It looks so pretty doesn’t it?? Thanks to the Home Depot guy for putting up with out crazy cutting needs!

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It ended up being a 4 ft x 6 ft raised garden bed. And those blue things that my husband used as a table to put the sides of the bed together, is a 55 gallon barrel cut in half. I got the idea from my friend/co worker. He husband did the same thing for their garden and they planted potatoes in their barrels. I am going to do tomatoes in one and potatoes in the other.

Our seedlings that  we started last Thursday have started to sprout! I can’t wait to actually get them in the ground. Hopefully next weekend. As soon as all the snow melts on the mountains. It got chilly here today and I do not want to risk my plants getting killed by frost. (who knew I had a green thumb and would like to do this stuff haha)

Oh and just to spice things up we got a pretty neat hand me down from our elderly neighbor

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A patio swing that she never uses. She was thinking that the minions would like to swing on it but mama’s got other ideas! It will be used as outdoor seating since we don’t really have any in the backyard.

More garden updates to come once I actually start planting.

**Jenn**

Homegrown

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Photo courtesy of Pinterest

What a week it has been!!! Technically I am in my weekend since I work 12 hour shifts. It has been a mentally trying week at work. Not my coworkers, they are AMAZING! Seriously I have the best coworkers ever! But the patients I took care of….well lets just say I was happy to head home last night after work.

 

Now I can focus on some projects that I have been wanting to get to. I have 6 days off (almost a whole week! Have I mentioned that I love working 12 hour shifts when I get a long stretch like this off) First on the list is my garden! I have been wanting a garden forever. Now that we are in a house with a backyard I can have one. Its nothing permanent since we are renting but its not going to be something that someone else couldn’t use. However we don’t plan on moving in the new few years so why not just start one? Or two in our case.

My parents have a huge backyard and there is a section of it that at one point had ben used as a garden. My parents haven’t done anything with it in the two years they have lived there and they have offered it up to me to use. I am thinking that this is a great area to grow some pumpkins and corn. Maybe some potatoes too.

We don’t have an area that has already been plotted out for a garden. And since we don’t own the home I do not want to create an area. So we are going to build a raised cinder block garden. It will be able to be removed if needed. And we have an area of the side yard that is perfect for it. I think that it would add to the backyard and I have a feeling that once we do move out it will remain. The picture above shows painted cinder block but is exactly what I want to do. I do not know if I will paint the blocks or not but the flowers in the smaller holes around the garden is what I want to do. That is my project this weekend. Building a garden. Which will in turn help reduce our grocery budget as we have access to fresh fruits and vegetables in our backyard.

I would love to hear your gardening tips and see pictures of your gardens!!

**Jenn**

When you fall…..

I got my  Total Money Makeover book Thursday. I was so excited to come home to find it. I haven’t started reading it yet though. I had an eye exam yesterday and opted for eye dilation. The effects lasted longer than I liked. But I did order new glasses and sunglasses. Thanks to my FSA account. Which I am glad I have.

Tonight I plan on sitting down with my budget and making lists and lists and lists. I need to figure out how to reduce some items in our budget, like grocery. There are 5 of us in our family and we spend too much on groceries, well more than I like. If I can cut it back even $100 I will be happy. I need to get baby step #1 ($1000) done asap.

The $100 I had made selling stuff to get started on our baby step #1 is gone. Dave Ramsey says that getting out of debt and staying out of debt is 80% behavior and boy is he right! So the other day I wrote about M #1 needing new shoes. Turned out M #2 needed new shoes too. That along with the few grocery items I got for the week cost $50.

I have been doing really good at work not buying lunch. Or snacks. Or drinks. I have been so proud of myself. Even my coworkers know about what we are doing with our finances and our goals. I am keeping nothing private. I want others to know so that it helps keep us accountable.

So out of the $100 we had $50 left. I underestimated how many diapers we have left and then I needed a few more items from the store. When its all said and done we are back to square one. I realized that I am the spender in the relationship. Who would ever be able to admit that? So this is all my fault. All this debt is me. The Hubs hardly EVER spends money without asking. It’s my behavior that needs to change. I need to be more like The Hubs. I have a hard time saying no to the minions. Although I will say that while at the store I did pass up things I wanted. So there is a small change in behavior. But I need a big change. 80% of spending is behavior. My behavior. But I can change I may have fallen and spent the last $50 from the emergency fund….but as Steven Covey says, it takes 21 days to make a change a part of your everyday life. We are only at day 8, I have 13 more days before this is everyday life. When you fall, you get back up, dust yourself off, see the error of your ways and start again.

**Jenn**