One Step At A Time

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...

Spending is a Hard Habit to Quit!!! Felicia just asked me what we were going to eat for lunch, and I am trying to think about what I can go out and buy, because I just did the dishes and they are not even dry yet. I don't want to dirty them again. But a voice told me to cook the pizza we had in the freezer, I yelled out to her I can make pizza and she said she could make the salad. We sat down next to each other and I told her what my first thought was for lunch, but for some reason this lunch tasted really good. I think because it was a tasty, healthy, and guilt free lunch. I think we count this as a small victory, we did not buy lunch and we ate food that was in the house already paid for. I don't know how many times before, we would buy groceries and then throw most of it out. Spending is a Hard Habit to Quit!!!