Last night we sat down with our budget. Talk about things I dread doing! Currently we are on page one of David Ramseys really long budget worksheet. We decided to take it one page a night so no one completely freaks out. So far it has made me realize a few things:
a) we have a horrible cell phone plan - we are paying way too much for little we use it. Plus it's lumped with our home phone and our internet - and it's still not a very good deal. I'll be looking into how we can change that.
b) I should not have a credit card. Not that I ever rack up debt we can't pay, but it just tempts me to spend. I've had a Credit Card since I was 16 years old - but now it is out of my wallet! Instead I have been given a $50 cash allowance a month to spend as I like - when that cash is gone I'm not allowed to buy anything else. This may finally break my eating out and going to target habits!
c) I have no clue what I owe on my school loans. Seriously I don't have any idea. So today I'm tracking that down.
I'm sure I'll learn even more fun stuff tonight as we move to budget page two! SCARY!