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Everything posted by nicolegrey

  1. Just know you are not alone with the tight budget feeling. It's going to be a tight budget for us as well during the summer. I usually have great business from January to June so that I can go part-time during the summer without it effecting our budget. But not a lot of people are looking for an attorney during a pandemic, so my client list dried up. I hope in the fall, I can boost up my client list. Just take one day at a time :)
  2. I haven't had any alone time since this all started, LOL! 9 people in the house ALL THE TIME has been an adjustment for me. DH works from home, I have 4 kids doing distance learning, and I still have my clients to attend to. But, it has been great to not have a strict schedule to abide by. Reach out to friends and family on the phone or Facetime. That's what we have been doing. I can't wait to take my kids to the park and zoo again :)!
  3. We are going on a cruise in July to celebrate 12 years of married bliss! We are heading to the Caribbean! Cruises are a lot of fun. Especially when you are paying in cash. Enjoy!
  4. nicolegrey

    Divorce & Downsize

    Don't do anything until after the divorce. You never know what will happen between you and your DH between now and the divorce. I would research options and that's about it until July. Which, I think is good, because it allows you to emotionally catch up to what is happening in your life. You are going through a divorce. It's like going through a death in a family. It will take time to readjust to life on your own without a companion.
  5. Do you work? Are you going to be able to financially afford living on your own? Do you have any children? Can you live somewhere else to give you both space and to really think about what you want? Have you talked to an attorney for legal advice on going through a divorce/separation? Those are just some of my first questions for you to start thinking about. I am sorry you are going through all of this. Hope you have a good support system in place to help through all of this change.
  6. nicolegrey

    I did it!

    I'm an attorney. Juris Doctorate.
  7. nicolegrey

    I did it!

    Great job! I am in the same boat as you...I have a JD with no debt, but there is no "need" for me to work. My DH's income covers everything and then some. It's a great problem to have
  8. nicolegrey

    What's up with us

    San Antonio is a great place to live We have a very active homeschooling and military community. And the cost of living is comparably low to other parts of the country.
  9. I worked, and went to law school, all while having babies and staying home with them. It is doable, just be flexible with what you need to get done. Being home and working is something I an striving to do. I would much rather do that than going into a office everyday (which is what I am doing now). Congrats on the new blessing!
  10. I don't think "diet" should be in the vocabulary. Diet makes it seem like it will end, eventually. Instead make it a life time choice to eat healthier. Much like budgeting, once you see it as you telling where the money goes, instead of the other way around, we get a firmer control over the money. Same with food. You are telling food what to do, instead of food controlling you. And it will take time to find better, healthier foods that both of you like. My mom had to wean herself off pasta before she went cold turkey. She will still get carbs out at restaurants, but it's strictly a treat n
  11. Look into a paleo diet or atkins diet...maybe that is what you need to help get recipes for this new change. Also South Beach Diet. My mom lost 50 pounds following a combination of the paleo and south beach diet. You are a good cook, and make most things from scratch. So, know it's learning to incorporate more veggies/fruits/meat into the meals. Salads should be a new go to meal. Also soups, chicken breasts, fish, and eggs. It's good that your kids are older so there should be no temptation to buy sodas or other convenience foods. I would take this as a great opportunity to live health
  12. nicolegrey

    Breaking point

    I think you just need to sit down and decide what you want to do with your money. Is retirement important...then giving needs to go down. Is giving important, then retirement needs to go down. Is going out and doing something more important, then retirement and giving go down. It's important to be good stewards, but I think Dave Ramsey would also caution you to not spend yourself away from enjoying life (whatever that looks like to you).
  13. nicolegrey

    Shearing the Budget

    How about rent, electricity, car payments, and credit card payments? Wouldn't those be considered "utility" bills that have to be paid each month?
  14. Why don't you do the math when you eat dinner? That's what we do with our DD and DS. We just ask them math questions while they are eating, and to them it's a game. For reading, why don't you turn on the closed captions for their favorite TV show and ask them to read along with the program? That has helped our DD out with reading. And I count that as reading...Now you have to watch the show with her and pause it sometimes to make sure she is reading along, instead of just watching. Don't get stuck in that reading must be done around the table. There are so many opportunities to read, a
  15. nicolegrey

    Well Crap

    I am so sorry. I just want to thank you and your husband for the sacrifices you all are going through to ensure our safety and freedom. Even more reason to stay out of debt and build wealth in order for your DH to retire as soon as possible so that you guys can stay in one place and be together for the rest of your lives.
  16. Call the hospital and see if you can reduce the bill when it comes to you. We have always had the final bill reduced by 10-20% when we call and tell them we can pay them right now if they will reduce it.
  17. So she has 10 books to read a day, or is this for the week? Just take as much as you can, take a break, and then try to some more after dinner.
  18. Sounds like an incredibly productive day concerning all you were up against. Have a big glass of wine tonight to celebrate when all the kids are asleep (or whatever your beverage is of choice).
  19. If I were in your shoes I would... 1) Do ONLY the kids clothes today. And only separate underwear and whites from the ordinary wash. Most kids clothes are not special enough to be separated out even more. Get that done in less than 2 hours. 2) Dinner is chili. Put in crockpot by noon to be done by dinner time. 3) Clean everything that is in the high traffic zone. Meaning, what room is used most often? That gets cleaned today. Any hallways that see a lot of traffic...clean that. All of the other rooms leave for another day. 4) Vaccum. 5) Rest and watch football (or whate
  20. nicolegrey


    I'm sure you will find with one parent home, things in almost every category gets a little bit lower. The stay at home parent does not need a big clothing line, eating out line, blow money, etc....While I enjoy working outside of the home, areas in the budget had to increase to cover me working. Give your budget 6 months to adjust. If you are still short, then look at some work you can do to cover the shortfall. Good luck on this new adventure!
  21. Not to intrude on your personal decision, but shouldn't the focus be on saving for a permanent house to shelter said "future" children? It doesn't make sense to me that you don't have a home but are saving for the potential of future children. You have a child now that needs a permanent shelter, a place to call a home. I would focus on getting that established before trying for another child. Or does the land you bought come with a home? It wasn't quite clear from the posts if a house came with the land. Anyways, my two cents.
  22. How exciting. Weddings in the family are always stressful for everyone involved. The day before the wedding take a couple of moments of quiet with just your DD. Make some tea and relax with each other. She will need you more after getting married then before. Tell her in person how much you love her, etc....Those moments are more special than the flowers and food. I will be praying for a blessed marriage.
  23. I don't think you made an irresponsible thing. I would call it impulsive, but maybe having the dog will get you to a healthy place. And that makes all the difference. Just know that you are in a puppy honeymoon. Give it a couple of weeks and then see how you are feeling about taking care of another being for life. Make sure you have resources and support in place. Last thing, while having a family is an important event in most people's life, it is not the only thing to achieve in this world. I love my family. I am blessed to have an amazing DH and 4 kids. But there are days I wish I
  24. If I were in your shoes, I would start focusing on a job/career that is healthy for you and a good fit for your family. I would finish out this school year and then hand in my two weeks notice at the beginning of the summer. I would not wait until next year to quit the school job. That is time you can spend looking for a job that fits your needs. Take a couple weeks off to get you back to healthy mode. And then start thinking about the job you want that won't kill you. I would recommend the book "48 Days to the Work you love" Read that while you rest. I would think a librarian job or a rec
  25. Google calendars is able to be shared with everyone that is on it. That is what we use for our master plan. My DH and myself can see what is going on by just going on our calendar app. I think it's free, or maybe 99 cents. Check it out for a calendar to help keep everyone in tuned. For the transition from working mom to stay at home mom, take it one day at a time. You will find that you will be just as busy being a stay at home mom with a side job then you were working your regular job. It's a different busy, so get used to that. You will need to find some outlets for adult interaction. C
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