Shaking my head

Well at this point in time here I have been cutting way back here in the household totally.  It has not been that hard to do in the past 2 weeks here at all and it has been easier than what I thought it would be also at this time.  With alot of folks living beyond their means all over the place all I can do is shake my head on the matter totally.  What I am saying is that they have more money going out of the household for food, bills, and gas money at this time instead of spending less than what is coming into the household with the pay checks here.  I have found a happy place of not over extending myself nor my Husband at this time here.  I am not saying that it is easy all of the time of not to get something that is a want instead of a need here totally.  Trust me I want another chest freezer for the household and have not got one as of yet.  I am still shopping around for one here and that is why I have not got one as of yet.  With that being said I know several people here in the area that constantly over extend them selves totally and do not think anything of it at all here.  At this point in time one had told me straight out that she was always broke at the beginning of the month since all of the bills are about that time here for her household.  I asked in what she could cut out on and she said nothing since her husband would roll in his grave totally if she cut things out.  I shook my head and told her the worst he could do was haunt her for cutting things out of the budget and it would not be a bad thing.  Also I could not understand when she had the gas company out to her house to shut off the gas in the summer time totally when there is disconnection fees and turn on fees to do that part of things.  That is how alot of the companies make their money off of the stupid moves with some folks here in Western NY.  But then again the same person always swore that I was the stupid one out of the bunch along with looking down on me for being a house wife here also while I was at it all.  Little does the person know here about in what I have done to make the household run totally along with cutting the costs for the household.  But then again the gal had bought a trailer and could not understand in why she was not getting the tax bill on the land with the trailer also here.  I asked are you paying lot rent and of course the answer was yes out of her mouth at the time here and I told her that the taxes are figured in with the lot rent totally and never known a state to do otherwise at all.  I could not get it thru the gals head at all in that is why you pay lot rent totally.  But then again I am the one that lived in a trailer more than once here and never had to pay taxes on either one since I had to pay rent nomatter what went on.  The first one that just burnt to the ground in November here I only paid 100 dollars a month in rent and did not own the trailer at all and the 2nd one my Husband owned and we still paid 355 dollars in rent to keep the trailer there in the park.  I even went so far as to pull up the laws in Washington state on things totally and I was the one that was stupid for knowing that she did not have to pay taxes at all on what she bought to keep it in a trailer park.  But then again the gal always over extends herself on things in her own household totally and then starts crying about it also after the fact also.  Now at this point in time I have had companies ask me when a good time for a payment is for the budget here and I will tell them on this date or this date and they set it up for inbetween the dates that I say for.  Just like the bank here asked me to transfer money from one account to the other, when is the best date for you and we will do it.  With that being said here some do not believe in writeing out checks at all and have the money automaticly withdrawn from the account also and that does not help out at all unless ya know that the money will be there also.  All I can say is that set up a budget and mark down on a pad of paper of what is spent during the month totally and watch the money go out the window for every lunch, cup of coffee, dinners, and other things add up and then cut some things out as you go for the months to come.  I get one cup of coffee a month here and that is when I am paying the loans off for the house for the month also here.  As my Husband told me you want it get it thru the month and all I get is one cup of coffee a month here and that is all I ask for totally.  All I can say is keep track of what is spent thru the month and work on cutting things out that way for the budget.  This is why I like the small memo pads that the kids write there homework assignments on totally for that reason.  Try it out and see what happends.