Making Financial Cents in 2010
This is significant because my husband is a free spirit and I’m a nerd (according to Dave Ramsey). In other words, my husband is the spender and I’m the saver. I’ve been trying to get him on board for quite some time with becoming a little more frugal.
Anyway, my husband and I are now doing the program together and it has been wonderful at helping us to understand the world of finance. We had a pretty decent understanding before, but this gives us a whole new way of thinking about things.
Who would have thought that our financial peace would come through information gained during a deployment?
We have set a new budget and if we follow it, we will be out of debt by the end of the year except for our home. We’re so excited!!
There are a few things that we are going to do to make this goal a reality.
- We are going to use cash only for grocery, entertainment, hair care, and miscellaneous needs. When the cash is gone, it’s gone. However, I refuse to use cash for gas. Pay at the pump is my friend. I haven’t paid cash for gas in forever. It is too much of a pain to get out, unbuckle my son, take him inside, wait in line, pay, come back out, put him back in the seat, and then pump gas. Maybe I’ll consider it when they allow you to pay cash at the pump. Wait a minute…why can’t we do that now?! We can pay cash at self-checkouts. Someone should look into that. Anyway…
- We are going to “Live Like No One Else”. In other words, we are going to make temporary sacrifices now so that we can enjoy life in the not so distant future. No extravagant purchases or expensive vacations will be made until we reach our goal.
- We will have regular budget meetings for accountability. We will pay bills together.
We can do this. We are going to do this. And our lives will be better for it.
What about you? Do you have any financial goals for this year?