Skip to main content

I am back...hopefully.

Hey Blog,

It's me again.  I have taken a long hiatus from you.  Now, I am ready to give us another shot.

Why now? 

The main reason and the scariest reason is that I am turning 40 this year and I still don't know what I to be when I grow up.  With that milestone approaching, I am hoping you can helm me stay motivated and encouraged to keep soul searching and figure it out before another decade goes by. 

When I was turning 30, I was filled with a lot of anxiety and despair and some of those feelings are starting to creep back in now that I am looking at 40.  I know I will have some of those feelings again, but I am hoping with you that I can better manage them.

A lot has happened since I tried starting this blog.  My wife and I will be celebrating our 15th anniversary this year.  Our two kids are now 13 and 11 years old.  We are living on our own after living with her parents and then my parents for awhile.  These are some of the good things.

Some of the not so good, we have not bought a house yet and do not have much saved.  We have started and stopped the Dave Ramsey plan a few times.  As I am get older, I am starting to experience aches and pains, and acid reflux.  So I need to add health and physical improvement to the To Do list.

I do see some things turning in our favor lately, and my hope is to find a tool to help me stay on track and be accountable to my goal and my vision.  My general goal is to become healthier physically and financially. 

My vision is to strengthen my family tree so that it stays rooted in success for generations.

I look forward to this journey with you!

Comments

Popular posts from this blog

Handling Hiccups

Lately, we have had some weird things happen at the house that has caused us to get a little off track with the budget. In spite of these things, we have not touched our emergency fund and have just found other ways around these emergencies. Our dryer and our stove are busted. We are renting and the land lord had us call a appliance warranty company but for both appliances they claim are unfix-able and not under warranty. We are waiting to hear back from the land lords to see what they want to do about it, but nothing yet. The dryer is a simpler problem to work around because we can take the clothes to our parents house and wash them while we visit, Felicia's mom will sometimes take a couple of loads and do them herself for us, or we can go to the laundry mat. The stove on the other hand is little more difficult especially since we don't like to cook anyway and now we have to learn to bake instead of cooking Hamburger Helper. I am kidding but when we cook it is pretty bas...

It's the Budget, Stupid!

A budget is not something you put off. When we do our budget, it helps us stay on track. In the past, I have written about getting off track but even during those times a budget kept us from going overboard. This time around we kept putting it off and putting it off and just kept spending without a plan. This laziness has hurt us and it pushes us further away from our goals. When we got paid on the15th, we did pretty good and had some extra cash in our envelopes at the end of the two weeks. This paycheck, I know we have spent more than we brought in and had to go tap into savings for non-emergencies. When this happens, it feels like I have let my family down. I am the one who is going to set the example for my children and their money. I could always just spin it and tell them that this is an example of what not to do. I know the habits that we are supposed to have that will make this work. It starts with making the budget. Duh! It needs to be done in order to make the money behave. W...

FPU Week 3---Dreaded B-Word

Last Sunday was our 3rd class in Financial Peace University, and we talked about the the dreaded B-word, Budget. Since I read Total Money Makeover months ago, we have been doing the budget and have posted several times about it. Therefore, I am not going to go over every detail of this past Sunday's class, but will discuss some of the issues I have with budgeting so far. I believe if I keep honestly critiquing us and our money management, it will help us in the long run to win with money. Having a lot of money is not the desired result of this process, the results we are looking for are Financial Peace, retire with dignity, and pursue some of our dreams later in life. Below are just some of the things and habits that gets in our way of achieving our goals. One of the things that I do that absolutely does not work is create the budget and never look at it again. I work hard to make a zero based budget and making sure every dollar has a name, but never pull out the game plan to m...