I am still struggling to find ways to make my income match my needs. My debt is basically credit cards, which I tend to use for Roxie’s care (vet, grooming, treats/food). About half of that debt is at 0% interest.
I have stopped the lawn care service and decided to buy Scotts products to apply to my lawn myself. I am monitoring my electric usage, although as summer comes, it may go up again to manage southern heat. I am watching big expenses, but I think it is the smaller ones that do me in.
Regarding the lawn care, I have received the Scotts products and will start to apply my first treatment this week, providing the weather cooperates.
Further decisions I have made: (in conjunction with my financial planner) withdraw monies inherited 401K to cover two RMDs and to pay off credit card debt + escrow shortfall…initially pay escrow shortfall from savings but repay when disbursement comes; pay off any credit usage monthly; re-grow savings to 6 months of income; refrain from leather conferences and runs this year; decrease fast food purchases including frozen meals; re-evaluate groups I belong to and continue with those that provide nourishment for me.
Other ideas moving around my brain: discontinue Value TV service and subscribe only to Basic; discontinue all TV and phone via cable – keeping only internet service; discontinue gym membership; host for Air BnB.
Feathers of My Mind 