Focus Upon The End Result

So the more and more that I start to focus in on this financial fitness mumbo jumbo the more that I realize there are a ton of people (just like me) who are financially out-of-shape yet try to appear as if they are financially fit. Whether it be the neighbor down the street or the stranger in the grocery store the fact is there are more and more people trying to live up to the Jones’ expectations.

Sadly though I understand that the Jones’ and my expectations are going to be two totally different concepts. To be honest with you it sucks trying to save money. It is so much easier to keep blowing money but I’d rather not have fun and reap the benefits of saving money than have to deal with the stresses of having more month than money left.

In just a few days I will be celebrating Thirty-One years of being on this earth and sadly for almost all of those years I have been held captive to the slavery of debt. Now I am hoping to break through these chains with a fierceness that will leave the debt trembling into oblivion. The focus needs to be positive and needs to hone in on the baby steps of Dave Ramsey’s program. The very first thing we are going to have to concentrate upon is going to be obtaining $1,000 in our emergency fund to get past baby step one.

Now with that said in the next couple of days it is imperative that my family and I sit down and map out the dreaded budget. It is all about trying to find the right budget though because it cannot be too tough (get discouraged and quit) and not be too loose (not make any traction). If you are where I am, or have been where I am, or you are going to be getting at my starting point….feel free to voice your opinion here.