Today I went to my bank and asked them to wave my banking fees as I am a student. I have to bring in my student card every year, but it is worth it. I kept forgetting that the bank can do this and could have saved $25 a month in monthly banking fees… that is money I can now put towards debts.
I also had coffee at a local Resource Centre and received a free shoulder and neck massage as there were students who needed practical experience. That was an awesome treat!
I have started physio, kinesiology and massage therapy now. I go twice a week for physio and kinesiology, and massage once a week. I have done one week so far, and I am sore but okay. I am hoping to have more strength and less pain after the 14 week program. I find that my back is still sore after doing any prolonged standing or walking and my foot is still sore and randomly goes numb. I still have some nerve pain at times but it is better than before surgery.
Overall life is good. And the weather here is beginning to warm up, so I get to spend more time outside on our deck enjoying it!
We made it with our limited budget this month, and still had a little bit left over so I put it into our debt to pay off a bit more. Our budget is the same for May, being limited but I did add a couple more categories I hadn’t considered – a monthly miscellaneous category for those times I give change to someone who needs it or we pay a parking meter, and a medical category, since I know I will need new glasses eventually.
I am hoping to make it to the end of May with leftover money to put on debt, but we will see.
We have planned to be without debt other than our house a year from now. It is a tough goal, but if we follow the budget it is doable!
I have been menu planning and we have eaten out less often, and my coffee addiction, well, we go less often but I still need to work on it!
How do you cut costs?
Today was a beautiful, sunny and productive day! I slept in, and sleeping is pretty rare for me lately. Then I had a coffee and began to clean the house. It takes me a significant amount of time to do this. Sometimes I don’t ever complete it.
I started in the bathrooms as my son is sick and because my immune system is compromised everything must be, for the most part, germ free. Normally I skip cleaning the bathtub because it is hard for me to do, but today I managed to complete this as well.
Then I took a break and took apart the vacuum cleaner so I could clean it (dust and dog hair all over a vacuum kind of defeats its cleaning value). I vacuumed upstairs and put the dishes in the dishwasher. Then I took another break.
My son was sick all day Monday but went to school today. I picked him up to take him to work. He said he still felt seagull but wanted to go to work anyway. I dropped him off and went back home.
Since I cannot mop the floors with a mop well and was sore from vacuuming, I hand washed them. It took 3 hours, but it got done. And I wiped all the switches and handles in the house with Lysol wipes.
When my hubby came home we splurged and went out for dinner. It was a nice treat. We have been doing very well on our budget, and still have a fair amount of money left considering there is only 12 days left in the month. It is a good sign 🙂
After supper hubby helped me make turkey stew and turkey noodle soup that we froze for dinners later. I feel like I really accomplished things today. Hoping tomorrow will be just as great. Thankful.
Life in our house has been challenging at times. Almost 4 years ago now we moved to this house. We bought this house with a downpayment that was made by saving income I made and living out of jars with my husband’s income (what was left after the bills were paid). Our mortgage is higher than our rent, and after we moved my injury worsened causing higher medical bills. I am working now, so we have lost my disability payments. We spent money we didn’t have, and now I find myself forced to follow a budget and go back to our jars.
I am not complaining. We don’t do without. Our bills are always paid. But my daughter wants to go back to school, my son graduates and begins college soon, my husband put his school on hold, and I would love to complete my degree at some point. Added to this, we are waiting to hear if my husband is going to have to move for work. Talk about moving or retiring, these things concern me.
I am trying to trust God in this. I am trying to listen – to know what to do. I have voiced that I love my job and am not wanting to leave it, and my husband doesn’t want me too either. But do I let him go if he has to and just see him when he is off? Would I want to live apart to keep something for me? Am I being selfish?
Trust in the Lord with all your heart
and lean not on your own understanding;
in all your ways submit to him,
and he will make your paths straight.