As a couple, we set goals. Money is something that got in the way with one of our goals, but we got past it. It took a lot of effort, but the end result made the journey worth it. When Tyler and I got married, we were just scraping by. It was definitely a struggle, but we needed to figure out how to improve our way of living. We started an expenses spreadsheet. It showed how much we both brought in every month compared to the amount we were spending on bills and miscellaneous things.
We had a goal: Buy a house. Together we agreed we needed to work more and push for those 40 hour weeks, and also get that overtime where we could. We started couponing and eating in more. I enjoy cooking so that was a win for me. Unfortunately, that meant I had to cut back on my shopping sprees. There were also some cut backs in bills that had to be done. For instance, not turning on the air & heat so much in the summer & winter. All in all, sacrifices needed to & did happen in order for us to one day reach our goal. And in the end, we reached our dollar amount goal we set for ourselves. That began our house hunting & we soon found our perfect home. Once the loan process began, it started to get intense since we had to watch our expenses even more.
We originally were going to receive 100% financing, but that went away with a quick phone call. They said we had been making too much money. How ironic is it that we worked so hard to be able to be at a place to purchase a house that we then worked too much to receive help for it.
With buying a house comes other expenses. Well, you need a fridge, right? Ka-ching! How about a washer & dryer? Ka-ching! And the purchases kept going. We had fights about what to buy, how much to spend, and when to actually buy. At first, I was not worried. Here we are 4 months later & still have all those expenses plus more. Luckily the largest one has 1 more payment.
We’ve had the ‘second jobs’ conversation a few times. Right now we are at the point of “Okay this number keeps dropping, so now what?” We are both nervous, so the second job option is drawing near. It is not something that either one of us want, but we do not want to go back to the place where we first began. We want that safety. So here we are with a ‘what are our options’ conversation. We have ideas, but so far nothing concrete.