So obviously I don't have the hang of blogging....I am working on trying to keep my sanity in the everyday life I live! But I am going to try again anyway and maybe get a post for two consecutive days this time. I am still struggling to juggle raising my family, going to school, and working a high stress job; it's coming together one day at a time though.
So this week the challenge is as always finances to support three growing children while working part time. Making my husbands salary stretch is a trick for sure. I have been taking advice from other bloggers and some wisdom from the great Dave Ramsey; in general what I have learned is that I am a product of my environment! I don't like to wait and earn the things that I want. I also want a lot more than I actually need!
Goals for me are to acknowledge the difference between want and need. Then to decide is this thing that I want worth the time it will take me to save the cash to buy it? No more instant gratification, if it's worth my money then it's going to have to be significant! Another goal is to begin teaching my children the value of their time and money. We are starting with taking care of their current possessions and saving 10% of their income.
The first step to finances is always budget followed by decision. I have to decide to stay within my budget and live on less than what we bring home. It feels very good to pay off debt and I plan to be debt free in two years so I have to live on less than I make to see that happen. Everyday choices to be frugal are not alway satisfying but I am finding that end result of saving money and paying off debt is so worth it!
Have a great day out there and remember you are worth the effort it takes to make it through today!
Wednesday, September 21, 2011
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