i am thankful

I've been reading blogs from other frugal folks, watching the news, and going through the information sent to us from our bank. They all say the same things.

• Have a budget
• Use cash
• Save while paying down debt

We've been doing all of the above for four years and I'm just now realizing what a blessing it is. I believe we were pointed in this direction intentionally. I can't remember exactly how or why we started using cash only but I know it had something to do with ATM fees. The cash-only system needed a budget to give me an idea of how much cash we needed. After hearing a few different places that even with debt we should be paying ourselves (aka saving) first, I started a college fund for the big kid and IRAs for the Baron and me.

I've never been as pleased with the Baron's job (USN) as I am now. I know things will work out and we will be provided for but I do hope the economy will be on the rebound by 2013, when he's up for retirement.

Even my bland social life with my blah schedule paid off. I had all the time in the world last year to clip coupons, chase deals, and stock up. Now, with the Baron deployed and the competition for deals on the rise, I can stay home and live off what we have.

I want to put out there how thankful I am and how blessed I feel to have been given the opportunity to learn about budgets and frugal living. I think the crunch is still a part of our lives, but we've been living differently for so long, we haven't needed to make drastic changes.