It's not easy doing a spending freeze, but at this time it is necessary. After tracking our spending in January I saw in black and white how much money we spent on non-essentials.
It is discouraging to know that we will be in this position of forced frugality for months, if not years, to make our way out of this mess. I am, however, determined to create a new life for our family. One where we live well below our means and achieve our goal of debt-freedom in 8 years.
It is overwhelming to thing of the magnitude of it all. All we can do at this point is to take it one day at a time and do the best we can with what we have.