Recent Progress
We’ve had one major and many minor changes in the last few months. The most major change is that my husband took over dealing with the finances. Frankly, I’m pretty happy about that because there have been some other changes that have naturally followed from that.
For one thing, I could always tell that he would bristle if I’d say that we were having a tight cash flow month, that we needed to be careful with spending. He knew that he made good money, and his wife was telling him he couldn’t spend it on himself.
Now, with him at the reins, not only does he have a new infinitely configurable geeky tool to play with — Hello, Quicken! — he also tracks every penny in and out and it’s a game to see how much we can save. Along the way, he also discovered Dave Ramsey. Now, admittedly, we don’t have any debt besides our mortgage — though our mortgage is larger than we’d like it to be — but it’s given him great motivation on the savings front. He’s retooled everything, and by golly, I think he’s having a good time. Our savings rate has gone way up, mostly because our spending rate has gone way down.