No it's not a diet - or a new exercise program. It's the mother of all challenges. Feared by most - experienced by only a few who lived to talk about it. Yes folks, for 31 days in January, I will be going into emergency cheap-mode.
Why would we do this? Simply because the Husband did not read the fine print on the new job he is starting in Jan. (State) It just never occurred to us. Like DUH! He will be getting paid once a month instead of the paycheck to paycheck living we have done for so long - our first paycheck will be in February.
All is not THAT hopeless. We do have some cash tucked here the there - but it will be tight - tighter than tight. Bottom-line the bills and the mortgage will be paid no matter what! And we know this is only a temporary challenge. Think of the many people who have had to experience this and it was more than just 31 days.
- I can't use credit cards!
- If I can't afford something in that 31 days, I go without.
- find creative and legal ways to bring in some more cash
- no eating out
- Pay all obligations or negotiate with them if at all possible (to save your credit history)
That's all I can think of right now. Can I do this? I promise I won't cheat - I'll own up if I have made a slip like using the credit card to pay a bill. I really don't want to do that, if I can help it. I'm thinking of this 31 day challenge as a cleansing fast for my budget.