So it has been more than a month since I wrote my list and it is time to focus. Finances are a big reason couples split up as we all know and considering the shape of our finances, we have more than a little to worry about in this house! Now, I am not expecting miracles-we had a tough year with the long distance flights and meet ups while we were in the immigration process and have accumulated debt-but I do hope to clean things up considerabley before June 2013. Here is a general plan of what I need to make plans for:
- Create a budget
- Reduce spending
- Increase income
- Pay down debt
- Save for the future and emergencies
Now, I am not an expert and not sure how to go about tackling each of these points but the first step will be to do some research. I suppose the first thing to do will be create a list of necessary expenses and income. This is a bit tough as my husband does not have a regular job yet so income is never predictable. We also have to maintain two cars due to the city we live in and our different schedules and the lack of transit near the job sites.
Anyways, the most important thing is to take control of our situation and chip away at it. This way, by next June, we should be in much better shape which will make things much easier on us (hopefully).