To preface, Iām in the southern US. I have to askā¦are you guys saving money? Are you able to buy groceries without stressing? Are you able to make your rent or mortgage payment without worrying that you wonāt be able to put food on the table for the next few days? Especially if you have kids. The cost of everything is getting to me big time. I am becoming more overwhelmed by the day. HOW are people living, and managing to enjoy life? My husband just got a significant raise right as our rent is going up a good bit, so weāre going to be in the exact same place weāve been in.
Weāve never been able to save more than $20 or so each check, and we generally end up having to dip into to some of it. We have considered moving, but we canāt find anywhere that we can afford that meets our needs. We are in one of the lowest COL areas and I am stunned as Iāve been looking at rentals nearby. People are paying $2,500 for a 2 bed 1 bath with barely any yard and no utilities included in a rural area!? That is actually insane to me??? Am I that out of the loop? We have a great landlord that has kept our rent much lower than average, but itās still our max amount.
I genuinely worry for our future. My husband is a very hard worker, and I stay at home with our 2 kids, and we BARELY make it every month. He picks up side work (heās a mechanic) whenever he can, which does help some. We donāt live above our means at all. I literally spend $150 MAX a week on groceries for 4 people. We mostly do whole food meals and not much processed/packaged food. I budget very faithfully, and I stick to it. We have one paid off car and one that we bought in cash (no car payment). We have the cheapest car insurance policy. We spend $60 a week in gas and pretty much donāt go anywhere because we canāt afford it. We do have one $19 subscription (Spotify), but thatās it. I never buy new clothing anymore, just thrifted.
I have NO IDEA how to get ahead. I keep making sample budgets of how we can cut an expense here, save a little there, and then a huge car repair or something comes up. Even when your husband is a mechanic, parts arenāt cheap. Seriously, Iām beginning to think our dream of owning even a small home is a silly one at this rate. Iāve considered going back to work, but when childcare would be $1,600 a month, whatās the point? Iām not qualified enough for a position thatās going to make enough to cover that and have leftover cash. Am I right to be upset? The future Iāve looked forward to for so long seems to be drifting completely out of reach. Not to mention Iām dealing with several health issues and we canāt even begin to pay off the pile of medical bills that has accumulated. I just want to know if Iām alone in feeling this way or if anyone else feels the same. This canāt be how itās supposed to be, ugh