It started with reading some articles by MMM a few months ago. His 2000 a month budget article spoke to us. We started an archaic sheet of paper to track spending on food and stuff in the beginning of Oct. Then, I found these forums and started to post.
There are many areas we need to improve in. Grocery spending is one. We've been spending in the realm of 640 a month or more, depending on restaurant use. We have spent $345 this month, and I think we may end the month with at least a $100 reduction in costs.
We are going to stop making extra payments to principal and invest the remainder. The loan should be done in about 25 payments. We aren't gaining that much ground anymore.
We need to sell our rental. It isn't earning enough for us. That cash will do better in index stock funds. Selling will hopefully happen by next Summer.
It's only been a short while here, Things are going well, but I have hope that we can do much better still.
Thank you.