Are not so much good. But I did learn some things over the past 30 days that have been helpful and I can use to re-evaluate my budget and spending.
I realized that the only way our family functions without accumulating debt is largely due to:
1) Mr. KB’s amazing talent of being able to fix anything and everything for a fraction of the price of hiring the job out or buying a new beebob;
2) My constant awareness and ability to plan for and predict future needs for our family and, for the most part, have provisions in place to cover these needs;
3) Stockpiling food and other consumables through price-matching, couponing and attention to detail (even though this means that I make the actual shopping trip(s) less about fun and more about function);
4) Ensuring that I maintain separate budget lines and accounts to cover most expenditures – both expected and unexpected, large and small. My one oversight, I have learned was not having a new-to-us car fund started to buy a replacement daily driver. Getting on this now so maybe when the need arises (as we expect it to in the near future), there will be some money available to help fund the purchase.
5) Our combined efforts to make purchasing decisions based on function and price/cost rather than impulse and glitter.
We are so fortunate that we can largely be a one-income household (because can you believe that no one is paying me to write? No, really. I can’t believe it either. Gaw.) Our combined contributions and talents make this possible and while we don’t pack up the family for a week in the Caribbean or Disneyland every winter, we do have family vacations, go to movies, go out for dinner, the kids participate in school pizza days, we hit at least one town fair a year, have swimming and dance lessons, take in a couple of big Rogers Centre events a year, and summers include cruise nights and beach days. And we do it all without racking up expensive, soul-crushing, consumer debt. We use credit cards for the points, gas discounts or other freebies and never carry a balance. If Murphy has been a particularly big bastard, I cut back in other areas to make up the difference without tapping into credit.
These past thirty days have not been the big money-saving adventure that I envisioned it would be. But, staying aware of our family spending and making sure that I’m creating balance, between saving and shopping has been useful. Did I follow all of my original parameters? No. I didn’t. When I find flip-flops for the kids at 75% off, spending 25% of the money now, rather than 100% of the money next summer just makes sense for the way our family and budget works.
Luckily though in terms of reducing the amount of ‘stuff’ I did quite well this past month. We tossed and donated a lot of clothing, household goods and toys. We still have more to go through, but we made a great start at it. Was I sad to say good-bye to some of the clothing that I’ve been hanging on to for ‘one day’? Yes, but the lightness I felt seeing my newly tidied closet and easily closing drawers more than made up for those sad feelings.
The next 30 days, I’m going to work on continuing to reduce our ‘stuff’ Broken or outgrown toys need to go, VHS tapes that no longer play need to go, outgrown clothing needs to go. With this many people in a house, hanging on to every single thing is not reasonable or plausible. I’m all for fame and fortune but the last place that I need to find that fame is on an episode of “Hoarding: Buried Alive”