Tax day! I’m so excited …um no.
Actually our taxes were done ages ago, but since it’s tax day and money’s on the mind, I thought I’d touch on budgets. I have a love/hate relationship with budgeting. Yes, budgets suck
, but I will say it is much nicer telling our money where to go at the beginning of the month rather than wonder where our money went at the end of the month.
Have ya’ll ever heard of Dave Ramsey? He’s funny, tells it how it is, and has been broke but is no longer broke; needless to say – he knows what he’s talking about.
We want to change our family tree and have our kids grow up in a home that functions below its means, is debt free, and pays CA$H for everything we purchase. It’s because of Dave Ramsey’s advice, by attending FPU/listening to his talk show/and putting ourselves on a budget, that we have been clawing our way out of debt.
When I met my hubby, one of us had money in the bank and was debt free but the other of us was driving a new car, had credit cards, and had not paid a single cent on getting a graduate level degree. I think we were on third interview (yes interview!) when we decided it would be a good idea to attend a FPU class together because hey, if money is the number one thing couples fight about, we better get on the same page of how we use money, as at that point we obviously managed money very differently.
We consider that experience, along with pre-marital counseling, such a tremendous help in our lives. If we didn’t get on the same track/lay the same foundation/talk about how to plan our attack of debt as well as how to save for the future we would, no doubt, be fighting over how to spend money all.the.time. However, since we have the same financial goals and agree how to go about getting to those goals, we know that,”everything is gonna be alright.”
Flash forward to today … New car was sold and a reasonable older car was bought, with cash, all credit cards have been paid off and cut up; all but the biggest student loan has been paid off, and we have gotten rid of all unnecessary expenses such as cable, subscriptions to countless magazines we don’t have time to read, and suuuuper fast internet.
The fabulous husband goes to work while I stay home with the twins. “People smile and tell me I’m the lucky one, and we’ve just begun.” We are not rich monetarily, we shop thrift stores, and try to only buy things on sale, but we are healthy, have happy kids, love each other with all we’ve got, don’t use credit cards, and are actively paying off debt!
Yes, I am definitely the lucky one.
“Even though we ain’t got money, I’m so in love with ya honey.” It’s true. My heart is full and I am so grateful for everything we have.
Moral of the story: Budgets, although not particularly fun to be on, work.