Tuesday, December 28, 2010

Money Sense

Last year, my New Year's Resolution was to be more mindful about our spending. I forgot it was my resolution, but I stuck to it just the same. I didn't do a monthly budget every month, especially as we traveled, and lived in limbo during the move. But I can say that we have done a much better job this year at spending our money wisely, making it go further. Now, we do have a monthly budget and it's very important, because we have a lot less coming in. We track where it goes, how much comes in, and how much needs to get cut. It is not as easy as that, but we've definitely made progress. And now I'm happy to say that we have a budget, we try to stick to it, and we have made sacrifices.
That's the part we really needed, the sacrifices. After all, the lesson I knew we had to learn was that we can't have everything we want. I don't have an income, and there are always things that would be nice to have. We have a post-it list inside a kitchen cupboard with a list of things we'd like for the house. Things like a better chair for basement, a new kitchen table, etc. We've crossed some items off when we've been able to save up for them or they've been on sale. But I've also learned to pass up a purchase even if on sale, even if I want/need/can justify it. Because at the end of the day, we have the food and shelter we need, we have enough love, and our relationships are not coloured by a struggle to get by.
Next year, I think I'll resolve to continue trying to be more patient. It's a biggie. And it's one everyone can benefit from. It means seeing things through a 2-year-old's eyes, putting things in perspective, picking my battles, learning to slow down, and laughing at frustrations rather than growling.

3 comments:

  1. I'm proud of you, financial knowledge is something way too many people avoid. Money isn't everything, it alone will never make you truly happy but being aware of your finances, keeping that stress at bay by talking openly and knowing what is happening in your account will be one step towards keeping a happy marriage and a happy family.

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  2. Thanks. I agree. Fighting about money scares me even more than not having any. :)

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  3. We are pretty darn strict with our finances and it pays off!

    I think I need to work on my patience level too. Cavan is hitting the terrible two's and I would rather feed him to the wolves most days!

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