I've been bugging my kids to get together a Christmas list since it is so close now. Would you believe my daughter rolls her eyes when I ask this and my son tells me he'll get to it but never does?
I tell them I would have loved for my parents to ask me for a Christmas list to give them, especially since I didn't get to celebrate Christmas because of their religion.
My daughter says there is nothing she wants really so once again I'm struggling with what she would be interested in and hoping I don't buy something that ends up being a waste of money and just sits there gathering dust.
I told her we could spend the money on experiences then if she couldn't come up with any physical thing/things, but she seems blah about that too. Seriously, are my kids weird or what? LOL.
I'm super excited and a little scared at the same time, but it looks like we might be paying our house mortgage off early 15 years ahead of time! I never would have expected that when we first bought it because we had agreed that we would buy a small house (really a starter home) so that I could stay home with any children we had instead of sending them to daycare. My husband was sceptical that I would be able to save enough money (silly man, LOL) for that to happen. We figured that even if I worked at a job, the costs would be too much vs. the income I would get. Me staying at home has lasted longer than we expected since I homeschool them now.
Again, my silly husband didn't think I would be able to pull this off as they got older due to expenses being more (the older they are, the more it seems things cost) but I have proved his reservations to be of no concern. This is the same man who told me years and years ago that I would never stick with couponing and would get bored with it.
Seriously, does this man not know me by now? LOL I have one personality trait that has hurt me at times, but has served me well in other situations, and that is I am VERY stubborn. If I make my mind up about something you can bet that I will accomplish whatever I set my mind to do or die trying, LOL.
My husband doesn't make that much money and hasn't received a raise in years. We have not received any help from our parents or anyone else at all, and this is our own hard work and sacrifice that has allowed us to do so.
We never got money or gifts when we got married so there was no help with a down payment on our house either although both sets of our parents help our siblings financially all the time. No one kept our children but me (for instance my mother has pretty much raised my niece for my sister) and we are the ones who pay for all their needs/wants with the occasional small birthday gift from my parents to them. We have no family nearby so he and I have been a strong team leaning on each other for support and relying on the two of us for everything.
I am afraid to say it out loud in case something happens and we're not successful in doing so, but we received the paperwork from the mortgage company yesterday in the mail and my husband is going to take care of it this upcoming week.
This is so surreal to me because I always worried that my husband and I would be struggling to make our mortgage payment when he got to retirement age since we bought a house and had our children later in life.
We still have college and other expenses ahead of us for the kids, but it is amazing that we've been able to save money even in this horrible economy on one income with no help from anyone. I have couponed, shopped at thrift stores/yard sales/church consignment sales among other things, and we rarely eat out.
I am ALWAYS looking for a way to get things cheaper that we need/want. I'm so ecstatic that the sacrifices we have made over the years are proving to be successful and worth the sacrifices we made.