||[Nov. 9th, 2004|02:59 pm]
hi all! i'm brand spanking new to the community -- it was recommended to me by the lovely themowingdevil after i posted the following to my private journal...any thoughts you have would be much appreciated!
how do you all -- in small and large ways -- cut expenses/save money on bills, groceries, etc etc? what are your money-saving secrets?
over the past couple of days i've come to realize that my husband and i really only fight about one thing with regularity, and that is money. i know, i know -- boring, typical. but i have yet to understand how it is that with him making the salary he does, and with me micro-managing our finances as i do, we get down to scraping the bottom of our checking account every two weeks. i've approached a lot of our monthly bills and cut where i can -- changing cell phone companies, for example, cut about $35 off our monthly bill -- and even paid off our one car loan so that we actually own both our cars free and clear, and no longer have a monthly car payment. and yet despite all this it seems our money disappears with alarming rapidity. we're on a budget, we have allowances....yet we (ahem cough) seem to have a problem sticking to it.
the upside to all of this is that beyond school loans/mortgage, we have no debt, credit card or otherwise.
so anyway, i guess i'm looking for some secret magical thing you do beyond the obvious (see above)... don't worry, i won't hold my breath.
relatedly: how the fuck do people survive with $500K mortgages and shit (standard for the DC metro area)? when i think of how we wrestle with our finances with a decent salary and modest mortgage, my mind reels to think of what these people are doing to make ends meet...