Thursday, July 21, 2011
So I've been on this major life altering journey to save money. Several months back I completed Dave Ramsey's Financial Peace University, and it really did open my eyes to how terribly I had managed our household.
While my husband is the "main bread-winner," I am the one who pays the bills, makes household purchases, and manages our accounts.
So if we are in the red---it is MY fault. My husband earns the money, and I spend it.
This is terrifying to all those single men out there!! Probably their worst nightmare, "If I get married, she is going to spend ALL OF MY MONEY!"
And during the first few years of our marriage, that was exactly what happened.
I was 20 years old when I got married, and was a mother, and the lady of the household, and the manager of the funds, and the acquirer of a shiny debt card, and I WENT AT IT! lemme just tell ya'.
Anyways, once we moved to NC from LA our funds were definitely at an all time low. So low that I had to get my own job after nearly 4 years of being a stay-at-home mom. God really provided for us during this time and delivered me a job in less than a week! Praise God for his faithfulness, y'all!
Well since then I've been trying to be a better steward of the money we do have. And I truly feel like I'm getting better. Some months I have my set backs (like this month for example)--when I've over spent, under budgeted, and basically lost my marbles when it comes to financial responsibility.
But I've been reading this book called "The Cheapest Family in America," and it has rejuvenated my desire to succeed with money.
These people are EXTREME when it comes to how little they spend, and while I don't want to go to that level, I do feel like I could do better. WAY better. On average I spend about $650 on groceries a month for 3 people-2 adults and a 4 yr old! that's insane!!!! But it's much better than the over 900$ that I was spending just a few short months ago!
Well 2.5 weeks into July, I found myself severely over budget. Trust me I was distraught! but I have to say that I'm proud of myself because the moment I noticed we were in trouble, I buckled down. My bi-weekly visits to the grocery store disappeared. And I can't tell you how incredibly resourceful I have become with the food in my home.
If you know me, you know that I love to cook and am constantly cooking some new delicious dish. This passion to cook new meals sends me to the store pretty often, but I've had to make due with what's in my pantry and you'll never believe it??!! we're still alive. No one has starved. In fact, it has made me a better cook and more responsible woman. I've exercised way more self control, and I have learned how to be more resourceful with what I do have. I'm coming to realize how excessive my grocery shopping was now that I've not gone in 2 weeks and am still making due!