I called this blog Windy City Cheap Skate, because, well I live in Chicago and I need to be a cheapskate. I've always been pretty good at being frugal and stretching a dollar, but now that I am married and have two kids, I have other people depending on my dollar stretching abilities.
I had thought about calling this "Out of the red" or " Into the Black" because right now my finances are really backwards. I was laid off a year ago, and I have enjoyed spending time at home with my children, and not trying to balance work outside the home with my family. I am not planning to go back to work right now, but the income that I was receiving is gone, and I must find some creative ways to offset that imbalance.
Initially, I am going to focus on how I am getting our family back on track financially. I figure having my business out in the open will motivate me to be more serious about that, and give me a chance to vent or try out new ideas along the way. Eventually, I hope to help others who are in similar situations find their way out of the abyss.
But, for my own sake, I will list some things that are in favor for me right now (not in order of importance):
1) My cars are paid off
2) I don't have daycare expenses
3) I have an amazing husband who will work with me so that we can get over this hurdle
4) I am relatively healthy
5) I have a mortgage, but I got into the market at a good time and I don't owe more than the house is worth. Also, it's a fixed rate loan, so I am not in the position of trying to come up with an insane new monthly payment. (That's not to say that my real estate taxes and insurance costs haven't gone up)
Monday, February 2, 2009
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