In which I bore you with money talk

This stupid fly.

It followed us in yesterday after spending several hours enjoying the cold front that came through (high of 90 degrees). And now it won’t leave me alone. It literally follows me around and sits next to or on me at all times. Does it want me to tame it like the fox in The Little Prince? Well, I don’t care if it would like the wheat fields because you’re too annoying to tame, little fly.

You tickle my skin with your legs and who know how many times you’ve thrown up on me. Where did I hear that flies throw up every time they land on something. Disgusting. I’d rather tame a slug. At least, then, I could rub in the slug residue as moisturizer. See? It would have a purpose. What’s yours fly?

I’ve never cursed so much in my life and it looks like I have severe seizures every 15 minutes trying to get it out of my personal space. Forget trying to swat it either. I’m just not fast enough and, plus, I think this one is different. I think it understands English. So when I mutter I’m getting that damn fly swatter, it mysteriously disappears until I forget why I’m standing in the kitchen.

Hey, remember when PETA went psycho over Obama killing that fly? That still makes me giggle. It’s a fly. I could use those fly-killing skills right about now.

But I’ll put up with it if we could have days like yesterday everyday. It was fantastic.

R and I spent two hours playing scrabble (I won. Barely.), while he also worked on our financial spreadsheet. He amazes me with his Excel prowess. I make one click and three billion things turn red. Sigh. That’s temporary though.

Has anyone done the Dave Ramsey envelope thing? We’re not used to handling cash, as we have airline miles on our credit card… putting everything on the credit card and paying it off at the end of the month. This was my first official pay period with no incoming money and the first time that we’re starting to watch what we buy.

No more buying things because we either a) want it or b) would get a bunch of miles.

It hurts.

Doesn’t everyone work our their finances with a dry erase board in bed? (Side note: Notice the painted toes. Yesterday was the first day R had to paint them for me due to size of belly.)

But Dave is helping. We’re still using our credit card to buy fixed expenses (i.e. buying a Walmart gift card for each vehicle’s gas, because you get the 10 cents discount as well as miles. Shush it. We still like getting the miles.) and also for any other major expenses (i.e. car problems, trips – we are committed to keep this an important part of our life, etc.) But now we’re using cash as well. And that hurts at the moment, because we’re paying off our credit card bill that’s due as well as taking out cash for the current month.

I’ve also become a coupon extraordinaire and have found the trifecta of stores to tackle: Walgreens, Harps, & Walmart. Walgreens has some great cash back programs (Register Rewards that can make you money), Harps doubles coupons up to 50 cents, and Walmart will match any competitor’s price as long as you bring in the flyer.

I’ve even enlisted my mom to look at the flyers and tell me what are good meat deals. So last week I bought a roast. My first time ever.

And it was awesome.

So this is where I give thanks that R supports me staying at home, because this aspect sure isn’t easy. But I already feel us working together to accomplish something that we never had to think about beforehand. It feels good. I feel good making his lunch/dinner that stretches our dollar, I feel good keeping the shack clean & tidy, and I feel good taking care of little errands that we used to argue who would have to do next. I have the time  now to focus on that, and I’m so grateful it’s a possibility to do so.

And yes, I do take naps.

But before I do, if anyone has done Dave Ramsey and would share their experience, I’d love to hear it. Right now everything feels a long way off and any little bit success stories help.

Also, check out Passion For Savings, if you’re interested in couponing. She lists out great deals for you so you don’t have to think about it. She also lets you know when freebies become available. I’ve already subscribed to three magazines for free based on her directions (Shape, Everyday Food, & Bloomberg Business Weekly). Love it!

5 comments on “In which I bore you with money talk

  1. Unc says:

    Who’s Dave Ramsey?? 😉

  2. Susan says:

    Hi Carolyn! You want a success story?…well, I haven’t done the Dave Ramsey thing myself, but two of my sisters have and both were successful. My sister, Patti, learned the Dave Ramsey system when she was first married and had a lot of post college/single-life credit card debt and wedding debt. She and her husband decided to pay off all debt before they started a family. I can’t remember the exact figures but they paid off thousands of dollars in debt in just one year. My other sister, Cathy, took the Dave Ramsey seminar after she was laid off of her job in California. She made it through six months of unemployment without going into debt and was able to live on seriously less income! They both swear by it…Are you encouraged? Oh, and by the way, you’re hysterical! I hope your baby has your wit!

  3. Katie says:

    Yay coupons! I live in Ontario, Canada so sadly its not as “extreme” here as it is for you guys in the States… but I still get really excited when I save even 50 cents! haha

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