One Step At A Time

How did we get started? We looked at our bank statement and realized we spent almost $1000.00 eating out. A thousand dollars for us two and, at the time, a 15 month old baby, and we spent $500.00 on groceries, which we throw most of it way because we didn't eat at home. We started to cook more at home and put as much as we could in savings. Initially, our plan was to take 3 months to save. We figured to save 1000.00 in 3 months we needed to put away, 333.33 a month. That number looked huge to us, so we broke it down per paycheck and we decided to save $85.00 a check. We got paid 4 times a month between the both of us. As soon as the direct deposit hit, we transferred 85.00 to savings. What helped us save faster was not eating out and I got a bonus check from work and we put 200.00 away from that. We have not moved on to Baby Step Two, because we are expecting a baby. Felicia and I decided that we should probably save enough to help cover expenses because again she would no...

My wife and I are expecting a baby girl in February. We are very excited and cannot wait to meet her and for her to meet her older brother. Naturally after we celebrated the good news, we started to think about how to prepare for this addition to our family. We looked around us and our home started to look even smaller than what it really is. Where are we going to put this stuff? How are going to afford all the new stuff? My wife and I would talk about our excitement and our worries. Of course, money is a concern. If we had the money, we can just go out and buy everything we need and buy a bigger house before the baby is born. Right now, we simply cannot afford it and that it is frustrating. The stress of it all was started to get me, so much that I started losing sleep over it. We don't have anything in savings, we have too much month at the end of the money. My energy level was starting to get sluggish, I started to show up late for work more and more. I started to que...