YeAr of tHe PigGy bAnk

Happy New Year!

Well...the year has started off with a yucky cold that has made its way through our house...bummer! 

Hubby has been studying hard for his final apprenticeship exams...he takes the first two tomorrow and Wednesday!  Please send good thoughts his way over the next couple of days :)  I can't believe that we started this journey 5 years ago...and we are finally close to the end!  He has worked so incredibly hard and I can't even begin to tell you how proud I am of him!  He has the best work ethic of anyone I have ever known! 

Hubby-  Thank you for working so hard for our family!  We appreciate all the time and dedication you have put into getting through this long program!  We made it through...can you believe it!?! The girls and I love you so much and are so proud that you are ours!

Hubby has declared this the year of the piggy bank...we are going to save, save, save! Plus make smart money decisions that will benefit us in the future...

We have started off small...so far we are:
*using a wool felt dryer ball...saving money by not buying dryer sheets
*writing a detailed grocery list and sticking to it!!! No extra trips to the store during the week!
*using cloth napkins 
*not eating out...you can always find something to eat at home
*no more starbucks or dutch bros...sad but an easy way to save
*selling items on craigslist that we no longer need (have already made over $500) and putting into savings.
*not using the visa card...if we can't pay with cash then we can't buy it!

It's actually kind of fun finding ways to save money!

Also, we plan on contributing to the girls' college fund and paying a little extra on the mortgage to shorten the life of the loan. 

With that said...we are now held accountable to make it happen :)  Yay for the year of the piggy bank!!!  Do you have any new years resolutions?

Have a great week!
xo
Mar