We have decided that we will start a spending freeze after the first of the year in our home. We will pay bills and buy food and that will be it. No eating out, no buying of anything unless it is something that we absolutely need. We have to build up a stockpile of cash and this will be the only way that we can do it. I will take the money out of the bank so I will not be tempted to go online and buy stuff. Since we have no car that is what I have been doing, shopping online. That will stop. But I did buy all of the back to school items and all Christmas gifts online! So January 1st - THE SPENDING STOPS!!
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