I am now back to work full-time and expect to keep my job until at least April. These are the new goals I am working on to help my dream of being a stay-at-home mom a reality.

Save 5 months’ of living expenses. I get nervous when there isn’t any money in the bank. If I am able to quit and my husband takes over as the breadwinner, our income will drop by about 1/3. I would like a cushion to help us deal with that. Thus far we have saved 18%, which is approximately 3.5 weeks of living expenses.

Have 2 no spending months. Just based on my salary and our expenses, I do not have enough extra income to save 5 months’ of living expenses. One of the ways we plan to get around this problem is by having several no spending months and putting the difference away. This not happened yet. However, we are having a grocery challenge this month, which is helping to curb our spending (and use up some of our grocery stockpile!)

Pay off 50% of my business debt. Yes, I opened my business 4 years ago before I had every heard of Dave Ramsey. In the first two years, I accumulated quite a bit of debt. I want to pay off 50% (or more, if I can) of that debt. Then when I quit my job, we can use some of my eBay income to live off of instead of to repaying debt. Thus far I have paid off 9.3%.

Sell at least $500 worth of extra household items on eBay. In October I sold another $88,(in addition to the $78 I sold in September) so I have sold a total of $166, making this goal 33% complete.

I’ll report back every month and let you know how we are doing!

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