Monday, June 6, 2011

What to do

In this current economy, in our current state of affairs, it seems everyone is tightening their belts in some way.  The question is, how do you tighten your belt when there's nothing left to tighten?  I've been going through my budget recently, listing my expenses and going through everything.  My cell phone?  Cheapest package.  Do I need it?  Yes because it's still cheaper than a land line (which I got rid of).  I suppose we really don't need our Satellite dish, but we have a little one and while TV is NOT a babysitter, he does enjoy watching the programs offered on Sprout.  Unfortunately, Sprout is not available on the most basic DirecTV package.  I am going to be more strict about the air conditioning/window situation.  Windows open after dark and if the AC is on during the day, it will be set to the mid-seventies.  We work in the basement anyway so it's usually cooler than what the thermostat says on the main floor. 

We have a home warranty that we're paying $41 a month for.  I think I've used it all of three times since I moved in back in 2007, but I'm afraid that once I cancel it, I'll be hit with a huge repair fee.  Of course, I could just save the money in an account and apply it to a repair bill if and when it happens.  $500 a year is a nice chunk of change and really too much to just throw away.  Plus, it's another $50 each time I have to call them.  If I'm paying you $500 a year, why do I have a $50 deductible also?

Once AJ is potty-trained, the diapers expense will go away, and we'll be able to get him into a traditional pre-school.  Don't get me wrong, I love where he is but they don't have any rate differential for daycare and pre-school.  However that may still be a deal, as I don't know how long pre-school is typically supposed to last and if he'll need to go back to day care when it's done. 

As a part-time student (full time WAHM), I can't get a second job because my plate is full as it is.  However I'm open to any suggestions anyone has.  I'm not looking for miracles....I'd just like it to not feel so tight each month.

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