Money time

something awesome happened!
the Hubby and i had a very important talk!! what kind of talk a money talk! we both have agreed that we both want to own our own home. But our credit is well in one word TERRIBLE. So we are going to start getting out of debt and building a what drum roll please...... A SAVINGS ACCOUNT!!! now we have a savings account and there was some money in it but well something came up and my car needed new breaks so there went that.

our first step was look for where all of our money was going... and the truth is we eat out a lot. i like cooking for my family but recently i haven't had the time. so take out it has been. so now on the other side of this money talk and also come to the lets talk about getting healthier, but that is another post!  we sat down and we talked about were we planned to be financially within the next couple of years.

since my husband doesn't really like dealing with money he always tends to let me deal with it so i came up with a plan a very detailed budget of were EVERY dime was to be spent. then it hit me! school starts soon and emily needs some new clothes and of course school supplies and then we have christmas. I LOVE CHRISTMAS! so we had to kinda adjust some things so that we can have a GREAT Christmas.

We got all of our bills together and made out budgets for all of the bills that could be variable.  i also was able to gather all of the account numbers with login and passwords. i have even put into my extremely detailed calendar times to come back a revisit the budget and savings plan. and to adjust when necessary.

ahhh so excited!!! lots of great things to come! plus a great big savings account