Month two of my money-life overhaul. LOL, it's already losing its novelty.
I should be ashamed but I was never taught about a budget. I grew up in a 4 bed 2.5 bath with dad driving a company car. No one ever talked about money. I married a very wealthy man and my budget was handing him my monthly cc bill and it was paid. But, that was a long time ago. We divorced almost 20 years ago, and I've worked since. And I work hard. I'm a charge nurse in an ER, I work overtime every week and I work a weekend contract (off 5 per year) for the extra $12000. And now, all these years later, it's finally sinking into my skull that I need to have a better idea of how much money I have and where it's going.
This month has a lot of extra expenses. Not including my taxes that, although I made $800 less than last year due to increasing my retirement again, are up $1400. It's my DHs birthday, my BFFs birthday, and another very good friend (couples) birthday. I had to buy seresto flea collars for my littles (x 6) and I just got a bill for $300 for my termite contract for the year. UGH.
My husband wanted something kind of expensive so I actually sold something to buy it. I'm fine with it. I have too much crap and don't want any more money on the CC. I've never had (and hope never to) problems paying my bills. I just pay too much money out. This no-buy that I started in January has opened my eyes to just how easily I spent money without thinking about it.
I do appreciate everyones tips here. I'd not have a clue how to even start if I hadn't started following this thread. I think with some serious work, I can have my debts paid off in two years... which feels like a long time. But, every cent of my money I get to keep is a win.