So many people have had their income cut for different reasons:
Loss of job (living on savings or unemployment, etc.)
Pension being cut in half or taken away
Retirement income being used up
Inflation cutting into the income you do have with rising food prices, gasoline, insurances, utility costs, etc. ( Yes! Inflation basically gives you a pay cut.)
Some of you purchased homes just before all of this inflation hit and at top dollar. Now you are having trouble making ends meet.
So many people are having to adjust their budgets right now and I believe that so many more will be losing their jobs in 2023. We are already seeing many companies lay thousands of people off.
To be totally honest, I do not see an end of this in sight for the next couple of years.
Every one is affected by at least one or more of the things that I listed. So we all have to cut expenses where we can and that is going to be my mission from now through next year and beyond if need be.
We will strive to live on just 50% of our income so that is going to take some major cost cutting. Will that be easy? Not at all. Will we be able to? I don’t know but we will be trying our hardest.
I know so may of you will not be able to join us because you are using every penny you have to just survive. However everyone can cut costs even if it is only a little bit. I have always said every little bit helps. So all the ways that I will be showing you how we are cutting costs should help in some way.
We are facing different and more expensive food costs because of the diet that Hubby has to follow. I have been making 99% of his meals from scratch since he came home from the hospital. Everything that he can’t eat has been taken out of our kitchen by donating it or disposing of it (open jars etc. in the refrigerator). This way he knows that he can eat anything that is in our kitchen and that he won’t be eating the wrong things.
We also are facing another expense besides some of the hospital and doctor bills and new drug costs. I am trying to find a snowplow driver for this winter. Please wish me luck because winter will be here soon and snowplow drivers are hard to find.
The best time for me to post on here is while Hubby is sleeping. He sleeps longer in the morning than I do usually. He is sleeping right now, hence the post. The rest of the day is taken up with our needs. So look for posts in the morning. I will try my very best to document every little or big things that we are doing.
I will start tomorrow if he sleeps in.