I am always feeling just a tinge of guilt in the back of my head about not working right now. I mean I am working (at raising my kids, keeping the house, cooking the meals, driving the taxi, etc) but not "teaching" and helping bring in cash. But each time I voice this guilt to Rob he assures me that it's impossible and pointless for me to work outside of the home right now as both the kids are only in school until 12, Cora's still going through chemo and frequenting the clinic, and oh ya...we're about to have a baby in 6 days. And luckily I have a husband who is as financially conscious and smart as one can possible be. We sat down in late December and Rob proposed a budget plan that would keep us more accountable for dollars spent while allowing us a bit of personal spending money each week, pay all the bills, and still leave a little for savings. When looking at the budget on paper, I thought "no way" will this work, but agreed to give it a shot! A week or so later I was having a conversation about the guilt of feeling like I need to be doing "something" more to contribute with a friend who is also a teacher turned stay at home mom. She said something that totally stuck with me. She told me that she feels that way a lot too, but she has taken the stand that instead of contributing to the household by working, she can contribute to the household by being a better steward of the finances and saving every chance she gets. So then I considered Rob's point and hers and figured I'm doing more good here than I would be in any classroom.
I am very happy to report that after almost one month of living in our "2010" budget...it's worked beautifully!!!! I love it! I've been amazed at how much we're saving on groceries. We're buying for 1 week at a time, I'm coupon clipping and deal searching like crazy and we're spending under $100 per week on groceries. This may sound like a lot for a family of 4, but we all 4 eat 3 meals a day at home and the $100 includes all the extras like pull-ups, dog and cat food, and personal hygeine items. I literally go to the store once a week and that's all! We're spending WAY less, our kitchen is WAY more stocked, we both have spending money, and we still have left over for savings! I am amazed!!! If we can do it, anyone can! Here are the sites I'm using to help find all the grocery deals.
(warning...it is a bit of work, but it totally pays off)
