For the last year or so, my husband and I have been really starting to look at how to get out of revolving debt. We have been married over 10 years, and because we moved so often between different houses and different states, we started off using credit cards for a lot of things. Over ten years, that can add up to a lot of debt.
Four years ago, we bought a home, and we plan to stay here at least until our son goes to college (in 10 years). So, now, we have everything the way we want it, and nothing has to change for the foreseeable future. This year, we focused on playing the balance transfer game in order to consolidate some of our smaller credit cards on to a larger card with no interest for a year.
As we get closer to our goal of having no monthly credit card payments, we have started to look at tailoring our grocery budget to fit our need to pay off debt. Yes, we have been guilty of going out to eat for most meals of the week. It is a habit we have carried with us from the time we were dating. The first five years of our marriage, it was just me and him. We both had good jobs and plenty of discretionary income. We enjoyed good meals that neither of us had to cook or clean up. We spoiled ourselves, and it has taken us years to get back to the real world.
We have had the conversation for many years. We need to cook more at home. We need to stop eating out. Do you realize how long it actually takes to figure out what everybody wants to eat and then make the rounds to pick it all up? Long enough to cook and clean up a meal at home. It just requires a different kind of effort. Well, last week, we finally got there. I don’t know how long this will last, but I have worked with my husband and son to come up with a list of meals that we could eat every day of the week and enjoy, while not eating out at all.
Friends, this is HUGE! If this works for an extended period of time, we will be adding hundreds of dollars…that’s right…I said hundreds back into our monthly budget. We can use those extra dollars to help us reach our goal of paying off debt faster. We will no longer be wasting groceries – we will only be buying what’s on the meal plan (grocery list). Period. And we will eat it. All. And we will like it. $$$$$ And I might cry when we pass the sushi restaurant 🙂