I am no expert in personal finance. I am simply sharing how I maintain our family's finances in hopes of helping others.
Have you ever argued about money or stressed about how you were going to pay your bills? Are you living paycheck to paycheck and seem to never get ahead? Has money torn your marriage apart or kept you from enjoying life and pursing your dreams? Money can absolutely inject unnecessary stress into our lives, but it doesn't have to be that way! It is possible to save and enjoy life even when you're living paycheck to paycheck and never seem to get ahead.
Thankfully, my husband and I are in a good financial place, but I can't say that was always the case. When we first started dating I was a 19 year old full time collage student working at a restaurant and my husband was 24 and had just bought his first house. After about a year of dating I moved in while I continued to work and pay my way through collage. There were many weeks where my husband didn't get a full paycheck and we had to scrounge around to make sure we had enough money to pay our bills on time. We rarely ate out, we cut our house phone, put our DirectTV account on hold (I'll explain later why we didn't cancel it altogether), I sold stuff on Ebay and did a lot of online surveys to make extra money. It wasn't easy, but we made it through and the experience taught me a lot about the importance of money, budgeting and saving.
I know what you're thinking. How am I supposed to save money when I am living paycheck to paycheck? It won't be easy, you'll have to make major changes and work hard, but I promise it can be done.
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