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Budgeting-What I Know

Thursday, May 7, 2009

There are some people who are just naturals when it comes to budgeting, they don’t have to sit and stress about it, they don’t have to write things down over and over trying to get it right.  I am NOT one of those people.  I am a stay at home mom with a very hard working husband who wants to have something to show for it.  But budgeting can certainly be a struggle as well as trial and error.  Subsequently I’ve been learning a few things along the way and admit I’m still quite a work in progress.  So here’s what I think I know so far:

  • You have to want it and you have to be willing to make sacrifices. While you have to want it that isn’t always enough, you have to contribute to your own success which usually involves sacrifices.
  • Sacrifices don’t always have to be drastic, even the small things make a difference.
  • Even if you’re in over your head now don’t give up on the future.E Take mental or paper notes and be aware of what is currently contributing to your bad budget.
  • If you’re in a relationship it’s going to be a lot easier if your partner is on board. If your partner isn’t on board when they go against your goals for the budget you’re going to feel let down and sabotaged.
  • ACTIONS speak so very much LOUDER then words. We’ve all heard that statement before and oh how true it is.  It’s really, really easy to talk about it and to let everyone know how great it’s going to be, but what it’s going to be isn’t nearly as great as being able to say what it IS.
  • Knowledge really can be power. Don’t take just one mans word for it.  Go to the library and rent books and take notes…watch tv shows, ask friends and of course the good old internet.  Just because one guy claims to be the expert doesn’t mean he is and it doesn’t mean he isn’t, but I think the more information you have the better chance you will have at success.
  • Prayer. This isn’t for everyone but for me just talking to God and asking for his will and his wisdom certainly helps bring me a since of peace in it all and I think in time he can truly bless your situation.  But we all need to remember is that our expectations and our time line isn’t always what he has in mind for us.
  • We will fall. I think there are very few people who can get it right the first time without mistake.  And I say we will fall for a reason, because when you fall you need to remind yourself it’s okay and it doesn’t automatically mean that we have failed, it simply means get up and dust yourself off.  Don’t give up, pick up where you left off.

I had thought about writing different ways to get started, little ways to make a difference but I think first and foremost is adopting the go get it attitude and getting yourself and or family on board.  These suggestions most certainly won’t work for everyone, but a lot of journeys are trial and error and these are things that I have learned and am learning along the way.

In other news…woo hoo it’s Thursday, which means only one more day till Friday when that hubba hubba hubby of mine will be home…even if it is only till Sunday.

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One Comment leave one →
  1. Thursday, May 7, 2009 5:19 pm

    great post.

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