Connoisseur of Pennies

I have been a little discouraged lately, so I haven't been blogging.  I'm still struggling and making bad choices.  I can see that I really need to get serious but I also need to figure out WHY I am not making this a top priorty.  

Its a small win, but we are under $100K on our mortgage!  Yay!

I got paid today so I will work on posting some numbers.

I made the decision to go to the grocery store last night.  We are celebrating Halloween with my parents and making homemade pizza.  And I had in my brain that I wanted lasagna.  I spent $54!  I didn't have $54 to spend.  It was a bad decision.  I spend more than I have.  I made the lasagna and will be able to eat it for several days.  And my mom contributed $10 for the pizza.  But I should have been smarter.  How do you all stick to a budget?

Took a few minutes and balanced my checkbook.  I have $127.44.  I get paid Thursday, but after my husband's last minute dentist appointment and bills, I will be short ($261.60).  That is only with the necessities.  I am going to go through our pantry and see how many meals I can come up with.  Not that it will save me much....I only have $35 budgeted for the grocery store.

Hi! I'm obviously new here and a little nervous.  From the looks of it, I may be in the worst shape on this platform.   I'm 44.  Married.  From the great state of Texas.  I work full time.  My husband runs a business.  Now the not so pleasant stuff.  At this very moment I don't know what is in my bank account.  I have zero in Savings.  We are behind on income from my husband.  We are behind on our bills.  And I have $14 in cash in my wallet.

I don't want to say "Its time for a new me" because it sounds cliche.  But I feel like I need a change.  I have done well in the past.  I have even been debt free besides my mortgage, but that feels so far away right now.  I have read Dave Ramsey books and watched Gail Vaz Oxlade.  I have read blog posts here and watched budgeting TikToks.  But I'm in pretty rough shape right now.  

Maybe I should share more info but I'll save it for the next post.  Words of encouragement and wisdom welcome.

mrsfitz