Good morning, girl. Happy Friday! Can we talk budget for a minute? Money. Your money. Your peace of mind.
Nobody talks about money, do we? It’s not polite. But it runs through the core of our lives. And there never seems to be “enough”. I don’t care who you are and how much you make, there always seems to be one (or twelve) more things we’d like to buy.
In the last two weeks I’ve met with a young (newly divorced) mother of three, and a young couple (three kids) to talk about money. We talked budgets. Like my husband and I, no one had ever talked with them about money. Or budgeting. Or interest rates. Or debt.
It needs to be talked about. Because nothing will make Mamma more stressed out than the feeling of insecurity that comes when you don’t have enough to pay the bills. Or when the credit card doesn’t go through when you’re in line at Target. Yes, I do know that particular humiliation first-hand.
My parents declared bankruptcy. My first husband declared bankruptcy. You’d think after all that pain I’d be right on top of this? Nope. It wasn’t until my new husband and I discovered Dave Ramsey that we got our out-of-control situation under control.
I’m going to link to Dave’s website below. He’s funnier and smarter than I am, so I won’t try to explain his system, but if you are stressed about money, if you are in debt, if you don’t yet have a budget that you follow every week or every month, I offer Financial Peace (his system) to you as a better option.
Husband and I meet every Saturday now to go over our budget. We take out our cash for the coming week, we have a cup of tea, we talk about our priorities. He generally gives me a kiss and thanks me for doing the budget. So nice.
So much better than fighting about where the money went (because we have no idea, and we’re both scared and it is so easy to blame the other guy).
Your money runs through your life. It’s not your life, but it does facilitate a lot. You tell your money where to go – you have peace. You constantly chase after not enough money and too much debt – no peace.
Talk about it. Do something about it. You can get control of this. Believe me, if I can, anyone can.