Living within our means...

First I just want to say that this post is all about ME...so if YOU take anything personally that is your issue not mine!!!


This post is about me realizing what its like to live within our means...OUR meaning Jeff and I.
Jeff and I have spent A LOT of time talking about budgets, vehicles, houses...etc. What we have BOTH realized is we want as little of payments on things as possible...meaning as little DEBT as possible.

We will of course have a house payment as its VERY hard to buy a home without financing...LOL. However we have both realized that we CAN and WILL go without a car payment. That means we will never have a brand new fancy car. I am slowly making peace with that as I DO like shiny things...LOL.  However I understand.

Having a car payment isnt a necessity its a want. You can have a vehicle without one which means getting something older and im ok with that. We plan on purchasing an older excursion say year 2003. Its big roomy and drives well. All that we NEED. Wants sometimes have to get put on the back burner. Im not knocking anyone who has a new car or a payment just saying we are CHOOSING to go without.

Weve also decided to go a different route with a home. Instead of buying a traditional home we are going to go with a modular home that LOOKS like an actual home. Will have a foundation and everything! We both dont like the look traditional manufactured homes but are willing to go with modular type instead. We want to put it on land and have a small farm.

We only have one credit card and very few bills aside of that...Dish, Verizon, ATT, and internet. Thats all we have for now...LOL. Moving means taking on rent and utilities a luxury weve been able to forgo for awhile now. Good thing is though we will be living with the inlaws till our home is available for move in.

The house we will be renting is literally next door to my in-laws! Plus rent is VERY affordable. Which means we will be able to continue to live within our means and quite possibly save money which we havent been able to do on Jeffs current pay.

All in all we will be better off financially with this move and new job. Im excited!