Re: Tough---advice help or encouragement please I know how you feel, we are on one variable income (dh is in sales) and we have had a lot of ups and downs this year it is crazy. It started out with a trip to visit dh's parents out of the country, we came back in february to the worst sales month for dh since he got started in the business 3 years ago, finally got caught up on the bills by spring, then dh had wreck, and we already had a small trip planned, went on it, then dh was having neck problems, due to the wreck that got worse and worse, so dh had neck surgery in the summer and we were trying to get caught up on bills yet again and then we were, and then dh said we should bring ds to the circus last month so we did, which was a big buyers remorse, the tickets cost about 70$ for the three of us, then 10$ for parking and another 20$ for snacks and then eating out afterward, and to top it all off ds was not that interested. But aside from some of the India trip in january before we had our ah-ha moment with the debt issue, none of our other splurges have been put on a CC. Eventhrough all this drama, we have still managed to pay off 41.8% of our non-mortgage debt cc/car/student loans, pretty much since march.
While I agree splurging should be done, from your schedule i would think that a nice at home "spa" would benefit you pretty well. Use up those cheap candles and free facial/nail products and draw up a hot bath, that's what i would want at the end of the day if i was so swamped like you.
Oh, one other thing, in our house it is a given rule that we don't buy drinks at restaurants, pop or beer or wine, it's just too darn expensive, so if we want that, then we buy it at the store and drink it at home. HTH |