January always seems like crunch time. We refuse to finance on our credit cards and would probably sell some things before dealing with credit card finance charges.
The idea of switching to a cash system still has some draw backs. It is important to track the money. More important is to spend less than we make. No longer immune to the changes in the economy; everything has gone up in price. Has anything gone back down?
The real problem this year seems to be the higher price for oil heat. How can one home need $2000 worth of oil in less than two months? Last winter and summer (Dec 09 thru Aug 10) we spent $3,000. The year previous (Dec 08 thru Aug 09) we spent $2,400.00.
Our electric is on a monthly budget plan. It has rose 35%. From $200 per month to $270 per month.