In 2005, after we closed escrow on our 2nd home, DH became disabled temporarily off the job and we had to rely on SDI and disability insurance.
We had to use credit cards @ 0% and dip into savings to pay for both mortgages and expenses. Got into $9000.00 in 0% credit card debt!!
Since then, we are both a lot more frugal. We are not die hards, but we do try to get stuff free, and save energy and we are not typical consumers.
Typical consumers kind of make me gasp!
Also, we have a 10 year old washer and dryer.
We need a new mattress ours is from 1999
Furniture? Do not go there!
Love? We have plenty of that to be warm.
I bought hubby a new nova form pillow for Christmas. I got a deal on it and he needed a new pillow.
I told him what to buy me, just some face cream.
All in all on each other we spent $20.00 per gifts this year, frugal, but the love is there.
