it would be nice, and even a little reassuring, if there are any successful marriages that have fought through very hard financial times and could maybe post how you overcame it?
we've been hurting financially for soooo long, it's just hard to see the light sometimes. any help or advice would be greatly appreciated!!
Me & my husband met in our teens, both shared the same dreams --SAVE SAVE SAVE like mad- we wanted an old farmhouse, land, privacy - kids & me to stay at home. But his job sucked, we married anyway .
I worked full time till we had our 1st son. The most my husband ever made at this job was $8.25/hr -he stayed there being a faithful employee for 18 long yrs because the health benefits were killer excellent.
, this paid for my pregnancies & infertility testing. He went to Computer school -but never got anythng from it. We had 3 kids on his 1 income , we never had trouble paying bills or buying what we needed. (Our rent was cheap, landlord his aunt) Luxeries were pretty much forbidden unless it was major important to us . We always had too much $$ saved to get food stamps -but were low income "enough". I did have small side jobs here & there to bring in an extra $2,000 a year generally.
I just want to say... Me & My husband are both very very THRIFTY
, we were able to put down $15,000 on our 1st house 4 yrs after we married -not our dream abode by any means but it was half of the price of the house, had an acre & we saw potential for Profit with some fixing, we installed a wood furnce, built a chimney, laid cement, new roof, worked on that for 2 yrs, turned around & sold it for $13,000 more than we paid for it.
Then bought our Country Farm house we wanted w/acrerage.
We was able to put down $40,000 this time. 2 yrs later he got his current job- MUCH better pay-but not rich, just decent blue collar wages - Starting out at $14/hr ....We went on to have 3 more kids. He is still at this same job (approx $50,000 a year), we cut our 15 year house loan in half , by the time I gave birth to our last child at 40, we were completely DEBT FREE.
We are admittably cheap- or the nicer term is "frugal". I used to own a book called the "Tightwad Gazette" Amazon.com: The Complete Tightwad Gazette (9780375752254): Amy Dacyczyn: Books
Yeah, much of those things were a way of life for us, especially when he had his 1st job. I used cloth diapers on my 1st 3 kids & I hung them on the clothes line too! (in the country, no neighbors). We have always had a nice stash for emergencies. Never had a fight about $$. We refuse to pay interest on anything.
How we live. Could look at this as advice
1. I don't buy my kids expensive cell phones or designer clothes
2. I have a tracfone (averages $7 a month if you buy cards on Ebay, only use mine for emegencies- my older phone has FREE incoming text so I keep it -no bells & whistles at all.
3. I Use Google Voice for free long distance calling.
4. My kids use their ipods for Free texting
5. I clip coupons & do Buy ONe Get ONE free deals
6. I only buy on sale
7. I use ebay for their games & many items
8. Buy my books used online
9. I search anything & everything for competitive pricing from contacts to tires online, call stores
10. I go to Flea markers
11. I buy clothes at Consignment shops
12. I do rebates,
13. We have a rule -only water when eating out
14. We try to do our own home projects
15. Paint & repair our own cars
16. we take the family to the $1 theater on the day is only 75 cents a movie, we skip the popcorn, (of coarse with friends I will let them pay $6 a movie- we just don't do that as a family-too costly).
17. I cook mostly from scratch as boxed & prepared items cost too much
18. We have X amount come directly out of his paycheck every week in savings- helps you save if not slipping through your hands
19. I use Big Crumb.com to earn $$ on some stores online-it adds up !
20. We only buy older cars -have never gotten a car loan in our lives
21. I use CHASE credit cards , always pay in full, they give you perks to earn 2- 5% on every dollar spent , I generally make $300 a year free - just by using my CC on everything from food to gas to bills. (they do not like customers like me) http://www.consumerismcommentary.com...-credit-cards/
22. If I see a killer credit card offer, like a free DISNEY Visa giving away $200 in free disney dallors after your 1st purchase -I jump on that - I plan to use this to deduct $200 from our tickets when we go later this year.
23. I cut all my boy's hair with the buzzer , and my husbands.
I used to enjoy watching Suze Orman internationally acclaimed personal finance expert : The Suze Orman Show : Will & Trust Kit : FICO Kit : Insurance Kit : Women & Money
We are NOT rich by others standars of INCOME -but we feel we are doing pretty darn good.