First things first…
My husband and I have decided that for the month of February we will avoid fast food. For some this maybe easy but for us it will be inconvenient. Anytime we go anywhere we are a 20 minute drive there and a 20 minute drive back so our trips to town always end up going into lunch or dinner time. In the past few weeks I have cut back and tried really hard to plan ahead when we have to go into town.
We have decided to do this not only for health purposes, but because when we go through our checking account it is absurd how much money gets wasted on eating out. It cost my family $18 to eat at a fast food restaurant. We do it at least twice a week. That is $36 I could be saving or adding to our grocery budget. For $36 a week you can really do some cool things within your budget.
So to help myself I put together my Weekly Meal Plan and added more snacks. Things we can grab and eat on the go easily.
We have officially completed Dave Ramsey’s Baby Step #1 My husband and I started this Baby Step program in January. This month we received 3 paychecks, it was exciting that we started the program in a month where we received an extra paycheck. It has really helped motivate us.
I am so happy to be making progress in our financial goals. February will be interesting because it will be our first month doing a zero dollar budget. I’m not scared thinking it will be to restricting, I am just hoping that I took everything in consideration and nothing pops up I didn’t account for. But if something does that’s ok, this is our first month so we can make adjustments going forward.
My Financial Goals For February
- DO NOT TOUCH EMERGENCY FUND
- Pay off Kohls card- $200 owed
- Put $333 towards Lowes Balance
- File Taxes
- Switch my Life Insurance policy… Saves $12 monthly for the same coverage… zanderins.com
- Add $200 more to my Vegas Vacation Fund! (This trip was planned before we started the Baby Step program)
- If our tax refund hits in the month of February distribute to our debt snowball