Welcome to my little corner on creative budgeting.  At one point or another, most of us have had problems with our finances.  We have over extended ourselves and don't know how to fix the problem, without filing for bankruptcy.  There is nothing wrong with filing for bankruptcy, my husband and I had to do it, when we both lost our jobs and we had a baby.   It took us a few years to recover and we were doing really well, until the company my husband works with decided that they needed to cut hours.  Then my job decided they didn't need my teaching position anymore, so now I am a stay at home mom, which I love, but we have hit a little rough patch and I'm going to be sharing with you tips on how I keep us afloat and how we are able to save, even though we have a lot of debt again. 

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