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Starting Out – Frugal Novice

Starting Out

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I’ve been a little apprehensive about writing a first post, and I can’t figure out exactly why. I mean, after all, I’m pretty much my only reader right now. I guess it’s because I feel this post is the first step down my path toward trying to actually change my habits and live more frugally, and I don’t want to get off on the wrong foot!

If you are reading this and want to know a little more about me, check here. Those are the basics about who I am, but I figured I’d use this post to explain how I got to where I am now. Not in a physical sense, because I haven’t moved around too much in 28 years – but how I got to being more serious about trying to live a more frugal life.

When Brian and I first got married he was a senior in college, so we lived off my salary alone. It was more than what we needed, and we felt like we had a lot. Fast-forward almost seven years – a dog, a house, and two children later… We’ve definitely noticed that even though our disposable income has increased, it sure feels a lot smaller. Day care, student loans, grocery bills for four, a mortgage, car payments, and some credit card debt add up quickly and eat into what we have available for saving and for fun. I’m sure a lot of people experience the same situation.

We decided first and foremost that we wanted to pay off our credit card debt. A lot of that was acquired through dumb choices, and the interest rate is insane. To do that, we need to cut back in other areas. Some things are pretty common sense – using coupons, looking for sales, not eating out as often – but I want to find other ideas too. I want to find options that will work for our family long-term so this can really be a lifestyle change and not just a temporary fix. I’ll fully admit there are things we’re not willing to give up at this point – cable, internet, being a two-car family – so we have to find areas in which we can realistically make sacrifices or cutbacks to trim down our debt.

I’ve always done better at sticking with things when I self-report. At work, if I have something written in my planner to do, I’ll actually feel bad until I’m able to legitimately mark it off as completed. I figured this blog could help keep me accountable. It’ll be here, glaringly, if I make a dumb purchase – and I’ll get to come brag if I score a good deal or find a new way to save. Wish me luck!

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  • Kacie February 27, 2010 at 11:07 pm

    Looking forward to your future posts! Having my own blog has really helped me stay on-course. I hope you find financial success!

    Also — I LOVE your header! It’s so cute!

  • Christi February 28, 2010 at 8:25 am

    Thanks, Kacie! I really enjoyed reading your blog and have bookmarked it to add to my reading list. I’m so impressed with how much you’ve done with yours!

  • Amy@ New Nostalgia March 21, 2010 at 10:14 am

    So glad you started this blog-you are great at it and have much to share!
    I love your pizza art post, your consignment store finds post, your cookie recipe and the picture strip post. EXCELLENT!
    I decided to use my blog to get things done, too, so I started “Anti-Procrastination Tuesdays” Link party/Meme at my blog, New Nostalgia. Nothing like being held accountable by my readers! Its been great fun, I’m getting a ton done and so are my readers. Would love for you to join us!
    Great blog, keep it up!
    .-= Amy@ New Nostalgia´s last blog ..Homemade Laundry Detergent =-.

  • Rebecca Peters November 27, 2013 at 5:54 pm

    I feel the exact same way! I have been extremely cheap lately b/c of our income, moving, and having a baby. Its like I am saving us ton of money and it still doesnt make a differece, still no spending money, still no money to buy anything new that we NEED. Its just making it to where our bank isnt in the negative. x_x