Hi Everyone~

Thanks for all the advice. So it sounds like my hub and I are on the right track…we are already doing what some of you have suggested.

We take a portion of our monthly income and put it into savings before ANY bills or debts are paid. We will use that for our deposit. We only have one credit card now (the others were paid off awhile ago![biggrin]) and we pay the minimum plus $200 -$250 more depending on what’s available for the month. We also have a car and I’ve got a school loan payment that we’re working hard on getting rid of.

We’ve evaluated what got us into debt…and that was basically anytime a little extra money came into our hands we would spend it on stupid things instead of saving it. We’ve definitely got that under control now as we don’t do anything anymore!

The last large spending splurges that we had were for a new suit for my husband b/c he was very patient and used his old one to literally it’s lining BUT we made sure we got a deal for it, and we joined the gym b/c he won a 6 month membership…so we both joined for the price of one! Going to the gym keeps us busy enough to not go out and spend a night out on the town or go shopping. BUT to avoid going insane, we have allowed ourselves to have 2 nights a month where we either go out to dinner or get take away…but we don’t spend more than $30-$40 and if we’re not borrowing movies from my brother who has every one imaginable, then we are going on cheap tickets night! We’ve learned what delayed gratification means now! We’ve got our eye on the prize and we know what path to take to get there.