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Budgeting to stay out of debt

The New Year came and it was time for a financial reset. Many people live with debt or live pay check to paycheck. Having over budgeted all last year, I decided it was time for a financial reset. The joy of creating memories helped me plan our budget. Having too much stuff and clutter does not make one happy. To try to limit the clutter I decided were going on a debt diet. No spending diet for the next month. The hubs is doing a no alcohol diet for the next 28 days. I'm doing a not spending diet besides buying groceries and other necessities.

The steps I opted to take are:
  1. Eating leftovers cooking only every few days
  2. Eating vegetarian foods part time. Yes, not only are they cheap but they are a good alternative to meat. Since the price of meat is considerably expensive. Knowing how to use them is the key. I'd prefer spending money on fresh vegetables rather than a big piece of meat.
  3. No shopping, rather occupying my time with outdoor activities and purging the house. Preparing for a garage sale come the spring. As well as starting spring cleaning early. Cleaning the pantry and other closets in the house. Less is more.
  4. Making coffee at home rather than buying out. At least buying good quality beans enables you to have a great coffee at home. Having it at a fraction of the cost at a cafe.
In the end the goal is the create memories which lasts a lifetime. I also have a bookcase full of recipe books which enable me to make amazing recipes rather than going out. Looking at the cost to eat at the restaurant we have decided to reduce the amount of money we spend going out. Owning a house there are always expenses. For us, we have our windows to change. Yes, its expensive but it will save us with energy costs later. 

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