Hello frugaleers, it has been a while, but I am back on the bandwagon.
Thanks to awful, awful fibro and lots of time off work, I know that I need to get an absolute grip of spending from now on to build some security in case I reach a point where I can't work.
I've asked to reduce hours next year too. If that is accepted, we will be due a drop in income. Combine that with DD losing maintenance and CB next year, we definitely need to get our house in order.
Have a stupidly expensive holiday booked this year that I would never have committed to if I'd know how bad my health was going to be. However, need to get that paid off and go and enjoy it in the full knowledge that it will probably be the last one for a few years.
I've set my shopping budget for March and am just trying hard to curb the general spending, which has gone very well so far.
My plan is to start living on the reduced wages now to get used to it, which is really what we should have been doing from the start.