i want to say that today was a momentous day for us. and i should probably thank dave ramsey and fpu for bringing my husband and i closer together. i'm not saying things are all perftect and fully of hearts or anything. but, today, for the first time ever, ryan and i prayed together. we pray at every meal--one of the kids or ryan does. i def pray alot during the day. but he and i have never prayed together. it was nice. i'm hoping that this is something we will start doing on a regular basis. it's something we should do anyways. he and i do separate devotionals. we read out Bibles at separate times in separate rooms. and we pray separately. but i'm hoping that will change some and we'll start praying together.
anyways, it was an awesome way to start our financial session today. we redid our quicky budget and our debt snowball. we have a def plan now! the cool thing is that we have kept up with every bit of our spending thru a budget and a register (thanks to YNAB) and put it in catagories for almost a year now. so we KNOW what our monthly average is on everything. there are def some areas that we can cut back on. for instance, we spend an average of $300 a month in "blow money." seriously? we do not need to be "blowing" that much money every month. no we do not. i do think we need blow money. just not $300!!!! maybe $50? prolly even less.
ok, so it's gonna be HARD. we are seriously struggling but we have a plan and that's a good thing. with hard work we can dig our way out of this mess. it's not as bad as it seemed at 4am this morning. and ryan is def not as stressed as he was-- so that's a good thing.
Sunday, March 8, 2009
2009-03-08
when are we gonna get ahead?
ryan is so stressed out. the only time he ever gets irritable, cranky, and just down right mean is when he is stressed about money. last night at 4:30 in the morning we had a huge fight. it started because of the dog. she wanted out. i nudged ryan to let the dog out and all hell broke lose. he was just being mean and saying i never do anythign around here and he's tired of cleaning up boston's poop. ya, i know. random. anyways, i reminded him that boston is not perfect and that i have to clean up accidents 95% more times than he does. and that cleaning accidents is part of parenting. then i told him i was tired of him being mean and short tempered and his hard words to everyone and that i knew all of this wasn't about getting up to let the dog out or cleaning boston's messes. and he admitted what i already knew. that he is super duper extremely stressed out about finances.
we are not gaining any ground. as a matter of fact we are losing ground. the fact that he is not getting any over time is killing us. the bills are piling up. actually, we are now behind. and we've not been behind since way before the kids were born and we were both users. when you use, everything else comes second. anyways, i'm stressed too. but i know that not being nice to my family isn't gonna help the situation.
well, it's sunday and that is our day to sit down and reevaluate our fpu workbook. we've decided to start doing this every sunday afternoon. hopefully we'll get things straight soon.
ryan is so stressed out. the only time he ever gets irritable, cranky, and just down right mean is when he is stressed about money. last night at 4:30 in the morning we had a huge fight. it started because of the dog. she wanted out. i nudged ryan to let the dog out and all hell broke lose. he was just being mean and saying i never do anythign around here and he's tired of cleaning up boston's poop. ya, i know. random. anyways, i reminded him that boston is not perfect and that i have to clean up accidents 95% more times than he does. and that cleaning accidents is part of parenting. then i told him i was tired of him being mean and short tempered and his hard words to everyone and that i knew all of this wasn't about getting up to let the dog out or cleaning boston's messes. and he admitted what i already knew. that he is super duper extremely stressed out about finances.
we are not gaining any ground. as a matter of fact we are losing ground. the fact that he is not getting any over time is killing us. the bills are piling up. actually, we are now behind. and we've not been behind since way before the kids were born and we were both users. when you use, everything else comes second. anyways, i'm stressed too. but i know that not being nice to my family isn't gonna help the situation.
well, it's sunday and that is our day to sit down and reevaluate our fpu workbook. we've decided to start doing this every sunday afternoon. hopefully we'll get things straight soon.
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