My family is doing just fine financially compared to many others and I’m grateful for what we have.

But I can’t help but think lately with our rising expenses, my pay freeze and my husband’s slow-growing wages that this might be as good as it gets for us.

We’ve discussed our dreams, (moving to a different neighborhood and taking the whole family to Mexico) and our needs (a new car or two in the next few years, unless we decide to go down to one car and then we’ll need to replace a single vehicle). And if incomes or expenses don’t change, it could be tough to make it all happen.

So lately we’ve been talking about how to figure out if we’re sacrificing too much today to save 15 percent of our income for tomorrow.

Anyone else have those thoughts? If so, what did you do?

This entry was posted on Thursday, September 4th, 2008 at 2:22 pm and is filed under budgeting, economy, saving. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.