Finding My Step

I've had a whirlwind of activity in my life for the past two months and am very much looking forward to things settling down.

I'm in my new home, for the most part unpacked, still getting organized and am working on creating a routine or pattern to my days and weeks.

I now have to schedule in the laundry mat, I no longer have my favorite market that I went to weekly, I don't have as many household responsibilities, I'm not familiar with where to shop for the best deals. Meijers, Target, Best Buy. . . . . . . none of these stores exist in Detroit and I'm wanting to be able to spend my dollars here in the city.

I'm working on creating a healthy, productive schedule that's going to take care of me in a positive, balanced way. For the past few days, I've begun my mornings by attending a 7am Alcoholics Anonymous meeting in Grosse Point, and then heading to the new YMCA in downtown Detroit. Because I recognize that I can become obsessive about setting goals, I've decided to allow this pattern to develop and repeat itself until it becomes a habit. I don't plan on becoming rigid about adding other plans to my schedule, however, I'll look for new things to do that will make my life feel fabulous and fulfilling.

This past weekend my husband and I went to the Detroit Farmers Market. What a fantastic way to spend an afternoon! I LOVE to feel as if I'm getting a bargain, and this is definitely a place for bargains. A box of fresh, juicy clementines for $2.00, eggs fresh from the farm, large bags of apples for $4.00! Then we discovered there was a meat market across the street which we hadn't seen before. They had a special on N.Y. Strips for $2.95 a pound, and their prices for Amish chickens and turkeys are better than what they're charging in the grocery stores for just regular hormone filled chickens. It really was a fun time and I came home with plenty of fresh food for the week, and plans to return again this weekend.

I've determined that there's not a lot I can do about my employment until after my surgery, although I have been applying for jobs and following up on leads and referrals that I've come across. Hopefully this effort will pay off for when I'm back on my feet and able to get back to work. In the meantime, we continue to tithe 10% back for what God has given us and have been receiving many rich rewards because of it.

So, although finding my step is a bit of a challenge, I'm finding it to be a fun challenge. There are so many new things to see downtown, and new places to discover. I believe by putting God and myself first in the morning I'll have the energy and drive to make these new discoveries.

Reducing our Debts

My husband and I are working on getting our monthly expenses reduced and increasing our income. We're preparing to post our condo for rent, looking at used small cars, putting an art collection up for sale, etc.

Amazingly, this past month, we cut our expenses in several areas and so far are saving over $21,000 per year! Now if I could only get this low enough so I can retire LOL.

Here's a breakdown of how we achieved this:
Cleaning People $ 2400 per year
Gym Membership $ 2400 per year
Refinance Home $12000 per year
New Grocery Market $ 2400 per year
Clippers for Haircuts $ 840 per year
Manicures/Pedicures at Home $ 540 per year
Dye own hair $ 900 per year

Fairly minor expenses will be incurred in order to eliminate the expense completely , ie. purchase clippers $34, purchase used gym equipment for a home gym (currently in process), etc.