Ive read about 20 pages of this thread
. I will eventually get it all read! I wondered if anybody would mind taking a look at what Im doing and plan to do and offer any advice on areas we could do better. This may get long, sorry!
First of all, hubby and I have 7 children between us. All 7 live with us, neither of us receive any child support from the other parents. We raise our kids as if we had them together, theres not a lot of involvement from the other parents either, so it works for us. The kids range from 6 to 17 years old. About a month ago oldest DD's boyfriend called hubby. In the middle of the night. He and his stepdad had gotten into a fight that turned physical, boy got beaten up pretty badly, mom and stepdad kicked him out. He has been living here since. He is 17 nearly 18 and still in high school. That makes 10 people living in our house.
We just bought our house in March, so there's no possibility of refinancing to lower our payments right now.
Hubby is the only one working. Three of the kids have problems (one Down's Syndrome, two on the autism spectrum) so I have to be available at any given time to run to the schools for them.
So, our house was 3 bedroom, but it had a pantry off the dining room that was as large as the bedrooms. We turned this into my and hubbys room as it has an entry door leading to the garage and thats where hubby spends most of his time anyway. But that severely cut down on my storage space.
I already cook most things from scratch. I dont make my own bread because Hubby has a love affair with a certain brand of bread, but everything else I do. I currently spend about $150 a week at a discount grocery store. My garden is starting to produce now so Im hoping that goes down some.
I have 8 pullets, only 2 laying so far. I also have 12 chicks, straight run so no telling how many girls I will end up with. We go through eggs like crazy here.
I have 14 cornish x left in the freezer. My local farm store had 27 of them last night marked down crazy low that I may go back today and grab, but my problem with them is im always struggling to pay for feed because they eat so much. I only have 1/2 acre in a rural subdivision so they cant free range.
Hubby gripes about all the money going out, but he doesnt try to find ways to save. For instance, I got our electric bill yesterday. $327. He complained that the light company's rates were too high but then said "just pay it and go on." Our house doesn't have central air, we have two window units that I have set on energy saver mode. We do have a huge woodstove for this winter thannkfully.
Not a lot of consumer debt. Cars are paid for. We have one personal loan that we took out 2 years ago. We borrowed 6,000 have paid on it for 2 years, and we still owe 8,800. Not happy with that at all. No credit cards.
So Im looking for ideas to lower what bills I do have. Utilities and groceries. (Water bill is over $100 a month). We dont have cable, house phone or internet. We have 3 prepaid cell phones in the house that we pay a flat $45 a month for unlimited talk, text and data. Also, ideas for lowering feed bills if any. I currently buy my feed at a farm store in 40 pound bags. We have a farm bureau co-op near us, but I dont know if they sell feed or just seed for the farmers around us. Ive never been in there.
Im planning to hit Goodwill for back to school stuff. Im a member of freecycle but most of the stuff posted is 30 miles away so not really cost-effective.
So any ideas? We are living paycheck to paycheck and worrying every week if we can pay the bills. I hate it.