It sounds like you are on the right track. Have you made a budget with expenses divided by 12 (months) that don't happen every month but you are still putting money aside to pay the expense. Those are called sinking funds, kind of like a planned spending plan and has been really helpful for all of us here.
momof2kelly wrote:I find it kind of refreshing to live a more frugal lifestyle than we used to.
I find it kind of refreshing to live a more frugal lifestyle than we used to.
There are definitely advantages to not having money. . . it cuts down on a lot of the time you spend managing stuff and spending money. I have an enormous to-do list this week, and every single item on it has to do with managing or spending money.