It seems somewhat pertinent that yesterday’s sermon in church was on the Parable of the Shrewd Manager. (Luke 16:1-13) “You cannot serve both God and money”-Luke 16:13.
D and I were discussing money yesterday, it mostly started out because I was super frustrated that because of my debt I can’t really save like I would like. I was talking about how my budget now included maxed-out credit card payments, so that I can pay down my credit cards ASAP. So until further notice I have a monthly allowance, which is both liberating, and super frustrating. It means no more going out for dinner on a whim, no more buying flowers, which is not impossible. Just a change, and one that I am taking a while to get used to.
Anyway, D and I were talking, and he asked me to send him my budget worksheet. Now I found this worksheet (which is actually an excel document) on Get Rich Slowly, which I find to be a GREAT resource for tips on getting out of debt, and basically how to live life so that you can live, but also be financially responsible. It’s also what gave me motivation to start saving for retirement, and to stop using my credit cards. But I digress… So I sent D my worksheet. I’ve tweaked it a little, so that it breaks everything down so that I can see where all of my money is going. But that sort of format didn’t work for Dan, so he simplified the whole thing.
Long story short, by the end of the day Dan now knew where his money was going! Which is such a liberating and purely AWESOME feeling. Before I began budgeting, I would stress out each month on whether or not my bills would get paid. I knew that I had the money to pay them, but it was a matter of whether or not I had already spent it. Unfortunately it’s taken me a long time to finally reach this point. But for once I feel good about my finances, and now my husband’s finances too! We’re keeping mostly separate books still, because I don’t want him to feel responsible for my ridiculous school debt. But it feels really good to know that we are both on track. We’re saving for our retirement, our future life, future adventures, and for me paying off my debt more quickly than before.
I am not a money wizard, and I know that at some point I will slip up. But for now, I feel like I am in a good place with my finances, and that I won’t be in this black hole forever.