While it will be a while before we can afford a home, heck, we are still trying to come up with a few thousand dollars to buy a car before the baby gets here! I am looking into foreclosure options, with all of it going on we might be able to find an affordable option sooner rather than later. Not that I dont love our place, I just want one without wheels!

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Car Loans are incredibly scary for me right now, adding yet another bill to the list is not something I wanna do, but I am at the point where we have to look into a used car loan and talking prices before the baby gets here, I would like to try to get it in cash and avoid the hassle of more payments, but if it comes down to it we will finance for the right number, and for the right car.

We might even call the bank we bank with and get the loan through them instead of a car lot, but I dont know enough about car financing to know what is better for us. I just know we HAVE to have the lowest possible payments! Since we will be adding full coverage and the loan payment.

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After all the talk about credit cards I decided to take a peek at my credit report. It is pretty bad! After we get everything worked out and our other money settled I am gonna look into credit repair, this site has a cool article on spotting fake credit repair companies, very useful, as that would be my luck- finally settle on fixing my credit just to get scammed! LOL I like that site, there is a lot of info on credit cards and credit in general, and of course, lots of different card company offers.

I just sat down and made a dinner plan for the next two weeks, after cleaning out the fridge and freezer that got a lot easier. I still have a lot of extra work to do in the kitchen, I want to clean and organize the pantry and cabinets still, then I will make a detailed grocery list, so we wont have any more last minute trips to the store mid week. Once we shop and get the regular things like gas and such I am gonna put the debit card in an envelope in hubby’s wallet, sealed and writ on there “is this more important than a car or things for the baby?” to help us not spend money as much… hopefully it works, we have got to get cought up. We are getting close to needing a second job!

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It is official, I need to make more money, or we need to spend less. I keep having to take money out of savings to cover regular bills, and at this rate we will never have enough to get a car by the time the baby gets here. I am seriously at the flip out point. I was looking into getting a credit card but even if we do that it will just add more monthly payment to our list and not really help the situation at all. We just need to manage better.

Our biggest problem is eating out, and mid week trips to the store, just little 10-15 dollar spending here and there adds up so quick! I need to make a better list ans shop for everything at once. I just joined a recipie site to try to get more creative in cooking so we dont eat out as much…. heres to hoping it works!

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I feel like I JUST got last weeks budget under control, (we budget weekly since hubby gets paid weekly) and now his next check is here already! Once we get enough in emergency savings I will be able to budget monthly at the end of every month for the next month, leaving each of the three check in there ready for next month, but we are not there yet! :-(

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