My financial story
The worst thing about personal finances, is that NO ONE talks about them. Especially when things are in a dark place… smile and wave, but lips are sealed. Well not here my friend! Ready for a good story? Grab your snuggie and a bucket of popcorn. You’re in for a treat.
We had just finished one of our most childish arguments about something ridiculous intertwined with finances when my husband turned to me and said, “Man, now I know why so many couples get divorced over money… this is horrible!”
I, being an immature newlywed, internalized his comment into the most offensive thing he could have EVER said and drug out our argument extra long. Take that best friend who I decided to spend eternity with…
Fast forward a year and a half to the same couple, yet still as horribly financially stupid (that’s a bad word in our house, so I must mean it… ) and one afternoon, I got a phone call from my husband. He told me he’d just been fired and he’d be home (too) early.
To our horror, the following 12 months were filled with 5 different jobs, unemployment, unexpected medical bills compounded by lack of insurance (due to job juggling), a lightning strike… yep, debt, absolutely no savings, broken cars, tuition, and the cherry on top, (although super exciting) was that we had a baby on the way, and absolutely no way to pay for her or her needs. It sounds like it is straight out of a horror film right?? (Or maybe it hits too close to home for you…?)
One evening I was sitting in a camp chair underneath our covered parking admiring my hubby’s muscles as he worked on his motorcycle and conversation drifted towards what on earth we should be doing financially….. like what. on. earth??
As we talked about goals and what we could do, I remembered a book that we had been given for our wedding. I ran inside and dug it out of the closet and that evening, we started reading it under the covered parking. Romantic isn’t it. 🙂
That moment changed our life. Our eyes were opened to how America really lives and that if we wanted to “be like everyone else” that meant we were going to be wallowing in debt, stressed out of our minds and walking on glass only until it gave way to our financial stupidity. Oh wait… check.
So that’s when it began. Literally over night, we made up our minds and started working on a system. My dad has always been a numbers guy and I knew he had some sort of system in place, but growing up (sadly) I wasn’t very interested. You bet I was all ears now!
I started asking him all sorts of questions. How did he pay for Christmas? What about vacations? What happens when the sewage line is damaged and backed up, your basement is flooding (with poop…ew) and home owners insurance won’t pay for it? The guy is a genius. He gave me so many ideas on how to grow our savings it was SO COOL!
From there the hubs and I went into trial and error mode with our spending budget. How much is possible to live on? What is comfortable, and what is unrealistic? Guys… it was so fun. I knew I was a numbers nerd, but I had NO idea how fun personal finances could be!
Was it a walk in the park? Absolutely not. It was still hard, but a different kind of hard. We had to say no to a lot of things. We weren’t used to that. I remember telling a family member no to some Jerry Seinfeld tickets. They bought them for us anyway perhaps thinking that we would come up with the money or something.,,? Nope.
But the exciting thing is that the systems I learned and created started working! The following 12 months we put away 14K on 50K salary!!
Fast forward four years to the same couple, now with awesome financial sense, and we’ve payed CASH for home upgrades, newer vehicles, a master’s degree and a spontaneous trip to Ireland (you MUST go). We have three children now and besides our small mortgage we are debt free!
Please believe that I’m not trying to brag, gloat or be cocky about our finances. I’m telling you because our new way of life is so different from how the rest of the world handles money, but ENTIRELY less stressful and totally more successful in the long run. And you, YOU my friend, can totally do it too!!
You’re sick of the stress, that’s why you’re still reading. You’re sick of the tension in your marriage and that gut wrenching feeling of wondering how you’re going to make ends meet. I TOTALLY GET IT !!! I walked the trenches of financial H-E-double-hockey-sticks, just like you are right now. It’s the wooorrrrrsst. Ready to change????
My whole purpose with this blog is to help others find peace within their families and marriages by fixing their finances. Because literally… the moment we started making better financial decisions the arguing stopped. STOPPED! We like… really enjoy each other now! All the time… it’s weird.
Please enjoy my posts and definitely check out my Debtor’s Diet course. It details exactly how we dug out of our black hole.
I want to help you stop the debt cycle and be able to focus on your family and marriage again. Why? Because family is everything. Without strong families communities fail… nations fail. We need strong families more than anything! Cheers to you! You got this! You can do it. You really can, you just gotta start. And today is a good day hey?
You got this, you beautiful human!