My Debt Blog

We’re finally in the first full week of the first month of the year. I was worried about my paycheck being less than what it normally was due to increased cost of insurance, but it wasn’t too bad. Even with that said, it still wasn’t much money to work with coming out of December. At the same time my wife has no money coming in yet which is now a problem.

My wife graduated with her masters, so she is officially a teacher now. I am patiently waiting for her to make the effort to get a temporary substitute job while she is working on a more germinate position. She is fully qualified and will make a great teacher, but the school isn’t going to hand her a job. Money has been tight since she stopped working and did student teaching. We need to get back to DINK (Dual Income No Kids) stage so enough money is coming in so I don’t feel all the pressure.

The reason I’m frustrated during this period of single income, our spending has increased not decreased. Sometimes I would pull from the EF just to hold us over to rebuild it back to its original amount. Since the EF was blown apart in December, we don’t have any cash to spare right now. This is why I get very frustrated when stupid things come up like Coldstone (ice cream) and Starbucks. We can’t afford these things right now and really need discipline when it comes to spending. No more using the credit cards to hold things over.

I’ve tried to have a serious talk about money before, but it usually turns into something else. The last thing I need is a fight because that doesn’t accomplish or change the present situation at all. Something tells me I’m going to have to find an additional job to bring in extra income. I hope she gets some temporary sub spots soon because we can really use the money to help ease the pressure I have been under. We have awhile to go yet before I get paid again and 2/3 of that goes directly to our regular monthly bills. Lifestyle is going to get seriously cut here until the income situation improves.

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