OK, so basically we have been completely out of control with little trips here and there, going to the casino, and eating out. Since we have no kids, and the mortgage is our only debt we have a hard time with self control cause it is so easy to say "Hey we are only young and childless once, might as well have fun while we can!" Well that attitude is ok once in awhile, but we have really been stuck in a rut with this unneeded spending constantly. We have come up with a plan for summer to not go on anymore random spontaneous trips. We have a trip planned to Vegas in August, that we have planned for and saved for, but until then no more going crazy. Also need to focus much more on savings for now, and less on the mortgage as I recently realized that a large percentage of our savings is earmarked for future vacations and the EF is pretty miniscule from us stupidly using the EF for non EF things. So savings it is! And large it will be!
Time to get responsible.....and realistic
June 17th, 2010 at 05:57 pm