So here’s some honesty. We need to have more money coming in than what we currently have. Here’s some more honesty. We could probably cut a little bit more, maybe $100/month. Maybe not.
We’re not going hungry. We’re not in danger of losing our home. But we’re only getting by. Like many Americans, we’re living paycheck to paycheck. We have no reserves. No savings other than a retirement account we can’t really touch until we retire. (Which may be a good thing.) We’re in some moderate debt. We want out. But we don’t want to sacrifice life in the process.
Okay, yes, we could go completely bare bones, but I believe we do deserve a few things we enjoy. My husband enjoys sports, movies, documentaries so we pay for cable-one tier above basic. We both enjoy shooting so we do have a gun range membership. Those are two things I’m not willing to cut. But those two things together are less than $170/month.
I could probably drill down the groceries a little more. And, I’ll work on that.
This all leads me to my question. Side hustle or part time job? Should have called this the honesty post because here comes some more. I really, really don’t want either of us to get a part time job. We have limited time together as is. And frankly, our marriage is more important to me than money. But it may come to one of us getting a part time job for a very limited amount of time.
What about side hustles? I’ve read a little about some. Have any of you used any and did they help? I’ve been using one of the survey sites for over six months and still haven’t earned enough points to cash out at the lowest level which is only $10. So that doesn’t seem very effective. Has anyone used Inbox Dollars? Have any of you worked as a virtual assistant? I’m considering some very limited and lite pet sitting-maybe just dog walking and feeding.