I am about to beat a dead horse; Financial woes of this country and how it affects ME.
I must start out by giving thanks to God. He provides all that we need and alot of what we want. I am incredibly gratefull that my husband has a job, a good paying job, and one that is relatively safe during these economic times. We are doing okay with income.
However, I am seeing a decline in weekly pay. It is not as much as last year. That worries me. We need all his pay to cover all our expenses. So far, not much to save. It concerns me, because this is the season he makes the bulk of his salary. This would be the time of the year that we would have lots of extra money to do repairs and spend on luxeries and such. I hope it pickes up. I have plans for debt repayment, house repairs/upgrading, and vacations.
In the meantime, while I wait for our ship to come in, what do we do to stretch those dollars? I would say that we cut back, but all I did was prioritize what I wanted the boys to do for the summer, and I sunk some money into our homeschool curriculum. Valuable spending. We bought a cheap above ground pool. ( Purchased at any Walmart, BJ’s, Target ) That keeps us home and the boys occupied. The boys go to Gymnastics 2x a week. We find that to be important for their health, interests and social oppurtunities. They still have music lessons. That would be the last thing we got rid of. So strongly we feel about music we do. ( HEE HEE ) There will be very few, if any, art classes. I doubt very seriously if we will go on long distance field trips. I have allready decided to pass on beach day with our homeschool group, simply because it was to far away. I am certainly driving less. I am trying to conserve gas.
Gas, what a pain in the ass that is. I thought that $3.99 a gallon was tough to swallow. Now, it seems we will be paying $4.25 by July. That would be $76.50 a week in gas. GOOD GRIEF. That is a crazy amount of money. Especially when it costs more to gas the car than it does to run electricity in my home. I guess, I will be spending enormous amounts of time at home!
Then there is the price of groceries. I can spend $600 a month easy on filling our cupboards and closets. I am trying to cut back, and I am doing okay. It isn’t enough, though! So, I decided to grow a veggie garden this summer and fall and winter and spring. ( Yes, the beauty of living in the tropics! I can grow year round ) I want to grow enough to feed us and to sell a bit. I would like to sell enough to cover the cost of having the garden to begin with. That will help the budget.
The electric. OH the MAFIA, as we affectionatly call them. That electric bill is the bane of my existance. I have been counting KW and calculating usage. I tried it with the air off, which is no fun here. I have tried it with the hot water heater off. There is an energy sucker. I have tried it with the computers sleeping at night and only on in the daytime when needed. That made a small difference. I have tried it by not using the clothes dryer. There is another energy hog. I think I have a handle on the usage now. The only problem remaining is to upgrade windows, sliding glass doors, and a/c duct and equipment. OH, and add insulation to the attic. Right now, as I type, my husband is replacing all the duct work. God love the men up in my attic. It is so hot up there! Hopefully, at the end of the month, we will have time to install a new sliding glass door and blow more insulation in the attic. All that will help to keep the house cooler, longer. That way they a/c won’t have to work as hard or as long. I also want to sew window quilts for the front windows. These will hang in front of the mini-blinds and behind the curtains. The quilts help to insulate the area, trapping the heat before it comes into the room. We also installed a new fan in the living room. That helps to make that room more comfortable at a higher temperature. ANYWAY, we were using 82 KW a day. The lowest I could get with all the things I tried was 47 and that was with the a/c off. It seemed that the best we could, without to much trouble, was around 67 KW. I look forward to the duct work results.
So, I mentioned different things I tried. I tried not running the air. Of course the humidity was lower. Now, it is a sauna and not so enjoyable. I turned off the hotwater heater. That made a big difference too. That thing uses 1 1/2 KW every hour. I don’t need it to run all day and all night. The water stays hot and then luke warm for a very, very long time, when you turn it off. It only takes 1/2 hour to heat up the water. SO, I turn it on when I need showers and turn it off. There is always enough hot water to do dishes. EASY way to save some money. The dryer is not being used anymore, either. The clothes fry fast in the heat. IF I get the clothes up early in the morning and continue all day long, I have no problems with getting rained on. 3 or 4 loads dried on the line is very doable. Before I had the clothesline, (which is tied between two large trees) I would hang my laundry over the fence. Dried just fine there. I didn’t really care how it looked. I am saving money and that is what matters more.
There are other changes that were made in the past. I do have all those energy saving lightbulbs. They work really well and last for a very long time. They helped out the electric bill too. I like having alot of light in my home. Helps me see. :) Tinting windows help too. I tinted them a few years ago. Did it myself. What a bitch, for an impatient person. But, it helped!
I need to be curbside shopping again. But, the price of gas is slowing me down. I do find so much that I can use. It is important for me to weigh the cost of what I need to the cost of the gas used to find it. Is it cheaper to go to the store and buy it? Of course it is much more fun to go out and FIND it. “)
So, the pressure is on. I feel nervous and apprehension about the financial future. As long as my husband keeps his good job and his earnings, we will be okay. But, nothing is secure anymore, these days. I find it best to just to adapt to the situation and find my way to frugality. Enjoying the journey makes it easier to bear. Willingness to try is key as well. Off I go!…..