When I started this year I had $16500 in credit card
debts. As of this moment in time I have
$14000 in credit card debt (all on one singular card). That means that in three months, January,
February and March I paid down $2,500 in credit card debt which is only $500
short of my original goal of paying $1000 a month to my credit card debt. I was starting to feel just a little bit
discouraged.
I have been in a high anxiety stasis this first quarter of
the year. Work right now is super stressful. We had one attorney leave the
office and another employee falling apart and unable to do her job. In addition
we had two files go to trial and scheduled for back to back trials this month.
If the office were functioning according to plan this would have been a busy
and stressful first quarter, but being short an attorney for 6 weeks and in all
reality a staffer since last November it was a lot of late hours for me. I didn’t get to take my planned vacation with
my girls for February break and this week is Spring Break and again I cannot
take time to be with my girls.
When my anxiety levels are high, I have a difficult time
sleeping which in turn feeds my anxiety.
The office is slowly getting back to normal. We have a new associate and
a new staffer so I know the workload can be distributed but we still have back
to back trials coming up. When I am
anxious my mind settles on my finances.
I started this blog almost 4 years ago in an effort to track my
path to financial freedom through a greener lifestyle. I have hit some road
blocks along the way (primarily in the form of Greeneryet) but I have made some
progress. However, I was feeling like the attempt to eradicate my debt was
consuming my life and I wasn’t getting anywhere.
Truth be told I was not doing a good job eradicating my
debt, I was holding steady. The other side of that path is that while I had been
holding steady on my debt I was also learning my pitfalls and moving in a
direction where paying down my debt was possible. This past Christmas was my first Christmas
where I did not add to my Credit card debt in order to pay for the holiday. I
did quite a bit of pre-shopping to spread the cost and I cut back heavily on
gifts.
I did the same this past Easter. My girls baskets have always been more about
the others than about Candy. We get our
candy locally (and I love it). The girls
get jellybeans, a large hollow chocolate item, small white chocolate item,
small orange chocolate item, some peeps and some cream eggs. Then they get something Art related. When they were little they got sidewalk
chalks and cheap water colors or markers or crayons or colored pencils. As they
have gotten older it has progressed to nicer Art supplies (also purchased from
a local shop – American made when possible).
This year GreenTween got watercolors and a watercolor pad while
GreenTeen received Copic Markers and a Copic Paper. They also typically receive
a toy. In years past it might have been
the Easter Barbie and/or a jump rope, sand toys, bubbles etc. This year they
each received a Bunny Nubbin from my friend and local crafter KiraArts.
Because it was a possibility that I would also have my
nieces Easter morning I ran out and got basket supplies for them (candy and
bunny nubbins). This was an additional
$50 in supplies that I ended up not needing. The girls still got their Bunny
Nubbins but the Candy bulked up Greeneryet’s basket. My focus with Easter was always on fun
outdoor items and art supplies. Now that the girls are older they still get art
supplies but they will also start getting things like personal hygiene items (which is the turn their Christmas Stockings
are taking as well).
I went well off track in February and March, and part of
that was simply the stress and hours at work.
I am working to get back on track and know that if I want to put more
money toward debt I have to cut my already low ($100/week for a family of four
adults) grocery budget. They way to do
that is to
1 1)
MENU PLAN
- and then stick to it
2 2)
Use all the food supplies I purchase without letting
them go bad
3 3)
GROW my OWN
Unlike many I won’t count Grow My Own as free (there is a
cost in seeds and other supplies) but I believe I can save a considerable
amount by growing my own.
For this first year I am focusing on:
Peas – shell and snow
Herbs – rosemary, mint, basil, oregano and cilantro (will
start indoor plants late in the season)
Greens
I have a bunch of seeds I have been collecting so I will see
what comes up and what produces what. My goal will be to eat as much out of the
garden fresh as possible. My family
doesn’t care for frozen or canned produce so my goal will be to eat as much as
we can and give away the rest.
I do hope to plant some late season crops (Brussel Sprouts
and several variety of squash as well as creating a cold frame to grow greens
through the winter) but the focus is going to be feeding ourselves out of the
garden for the growing season.
To that end I picked up organic starter so we can seed start
this weekend. Last weekend I did some weeding and plan to continue on that path
each weekend until the beds are ready.
I know this year will be all about the learning curve and I
won’t get frustrated if we don’t get tons out of our garden this spring/summer,
but I will do my best to use as much of what we do get as I can. Then I can use the grocery funds to purchase
ethical meats (to stock the freezer) and other pantry items that will keep.
How have you been doing?