Hi everyone, I am a long time lurker. Had been in and out of debt years and years ago, and this board was very helpful. Never officially snowflaked, but read and applied a lot of things. Think I would've learned. But DH income increased, and with kids, we fell off the wagon. Put some money in to remodeling our home, and now wish we waited because our income took a slight dip and without being careful we find ourselves in a pickle.
Well, we are getting back on track. Things are turning around with my husband's business again, and I'm going back to work part time. However, don't want this to ever happen again.
Going to try snowflaking, etc. I have never done a budgetspreadsheet. Any direction you guys can point me in? I am tracking my spending and trying to make a plan, using my bank website is helpful with tracking spending. Do you use a program for your budget? I want to get back on track and figure out a way to keep on track. The debit card is my downfall. Even with my bank app, I just flick it and figure something will be in my account to cover it, and for many, many years, it wasn't a problem. Thinking for a while, I need to use cash only. I do have the Dave Ramsey book, and am going to pull it out.
Have a small emergency fund, but need to keep adding to it. Good news is, we are saving for retirement and will continue to do so (auto deducted from pay).
Thanks for any support and help you can give.