I do not really expect anyone to read this. Because of where I live I'm unable to do the normally things people can do saving money by using coupons or stocking up when stores have sales. Because well you can't use coupons here nor do the stores have specials very often if they do it's because the items is expiring that day. I can't even get a free checking account or even an ING (you must live in the 50 states)
So I'm just using it to keep myself in check. We are in debt yet make good money. I'm trying to find anyway possible to help me stick to my goals.
Some things I did today was call my mortgage company to audit my escrow. I had a feeling we were putting too much into there because the taxes are not has high as they thought (good news right), also they had been taking out for flood insurance even after many attempts to prove I already have the coverage (been resolved but I know it will be revisited again in the fall like always). The audit produced a $60 per month reduction and a check for $340. Yay.
I also made my first banana bread today and found a new chicken recipe. I'm not a cook, that is DH's department. Plus our hours are so all over the place it's seems like it's easier to just go out. But I'm going to try. My thought is if I cook more at home I will cut back on going to the bars and eating fried foods and drinking too much beer. That should help save money, eating better and losing weight, or at least one would hope.
We have only eaten out once in the last 10 days. Not bad for us, normally it was a 2-4 times a week.
It's all about baby steps hopefully we will not fall down too much in the process.
Thanks for reading and helping us get on a better financial track.
First timer
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