I know that I haven’t purchased anything except limited food and gas for the car since the middle of December. Property and MUD taxes, HOA dues, auto and homeowner’s insurance and all the utility bills due in January. Only so much to go around. These all have to be paid. All the other stuff is unnecessary.
I am making the same ‘desperate’ type choices, especially with the cold snaps we are having.
That said though, as I have spoken with several accountants and reset the budgets, some how I still need to come up with another $500 to account for new expenditures mandated by the government(and that is not just due to 0bamacare).
My accountant actually told me...don’t hire this year. I agreed to revisit the hiring equation in the second quarter. If this tsunami is true...it will be a good thing we did NOT file the paperwork yet.
but...that still isn’t going to resolve a $500 per month shortfall either.