Budget

It's is so hard to make a budget and live by it. We struggle so hard trying to make smart financial decisions. When I was a working mom, we really didn't have many fears in the world, but we did have debt. Credit cards, vehicles, medical bills and so on. Then we decided that being a working mom was not for me and so we started doing a financial peace study with our old small group. This study was very rewarding for us. We were able to become debt free within a few months and so I was able to quit my job and stay at home. However, then, we didn't make enough money to afford all of our bills and much fun. So it was all about our budget in order for us to make it happen as a one income family. I remember having to tell people that I couldn't go places because I had a gas budget and I really had to follow it. I am glad that we have been beyond blessed since then and things are not like that anymore. But still, even with a larger income, it's still important to budget and know what our money is going.

It's hard to not go buy everything that I want or a new car even though we probably can afford it. It hard to want to save vs spend. Spending seems so fun. Having shiny new things is fun. Dressing in the most stylish things is fun. Driving a new fancy car is fun. Unfortunately, if I have all of these things, then Im not saving all that money and one day will be disappointed. My children will need money when it's time for them to drive, go to college and move out of my house. Clynt and I will need money when we decide to retire, build our forever home, and so on. The now things are not going to do us any good in the future. But boy is it tempting!!

Even though income changes, it doesn't mean that expenses need to. This is what I'm trying to learn slowly and surely.

I'm so not writing this because I am good at saving, I'm writing what's on my mind and what I'm trying to teach myself! Budgeting is so important!