Help

[Jkd91]

It seems like my husband and I no longer live pay check to pay check its more like pay to four days. My husband Maoris two jobs and brings in enough money to pay the bills. He's works hard. And I appreciate him so much It makes me feel horrible that we don't have money to spend on things. I'm a stay at home mom and work on and off catering. Bit it's not a steadu job. I need tips to help save money. I'm sick and tired of being sick and tired. Someone help please!

[disneysteve]

Welcome to the site.

First thing to do is to list your budget for us. Total household income and then all of your expenses broken down as much as you can. That way we can point out areas where you might be able to cut back.

[Retired To Win]

It seems like my husband and I no longer live pay check to pay check its more like pay to four days. My husband Maoris two jobs and brings in enough money to pay the bills. He's works hard. And I appreciate him so much It makes me feel horrible that we don't have money to spend on things. I'm a stay at home mom and work on and off catering. Bit it's not a steadu job. I need tips to help save money. I'm sick and tired of being sick and tired. Someone help please!

Do you have a budget? Here is what mine looks like (with a little blogging color)

My $18K Annual Baseline Budget:

http://retired-to-win.savingadvice.com/2013/12/29/my-18k-annual-baseline-budget_106374/

And you talk about "spending money on things." What things? Are you clear on the difference between essential needs and optional wants? Here is my take on that.

My Financial Independence Key:

http://retired-to-win.savingadvice.com/2013/12/17/my-financial-independence-key-separating_106169/

Let us hear back!

[Eagle]

It seems like my husband and I no longer live pay check to pay check its more like pay to four days. My husband Maoris two jobs and brings in enough money to pay the bills. He's works hard. And I appreciate him so much It makes me feel horrible that we don't have money to spend on things. I'm a stay at home mom and work on and off catering. Bit it's not a steadu job. I need tips to help save money. I'm sick and tired of being sick and tired. Someone help please!

Welcome to the forums!

For us to help you we'd need more information.

A. What is your monthly household income? (excluding your catering business)

B. What is your monthly household expenses?

C. Do you have a budget you guys agree to each month?

D. What kind of debt do you guys have?

E. Do you guys have any savings or an emergency fund?

Have you heard of Dave Ramsey? Check out his 7 step program.

Welcome again. Hang in there. The first step to financial freedom is realizing your sick and tired of being sick and tired.