Two Is Better Than One

Finances are so much easier when everyone is on the same boat. Too many times there are personality conflicts that prevent the cohesiveness needed to run a successful budget such as one person being the saver and the other person is the spender. Yet when these two personality conflicts are able to come together there can be some financial harmony. The more and more that my wife and I dive into getting our finances back under control the more we realize that too many times people worry way too much.

Think about all the things that we, humans, worry about and how many times over those things we worry about actually never come to fruit. With that said there are many reasons that people give as to why they cannot start their budget today yet truly nothing is a good excuse. It is because of that mentality that we are getting our budget strategically in place so we can change the way we are living. It’s easier said than done especially when you claim that you’re going to live like no one else so eventually you can live like no one else.

More to come on this thought process and an update on the budget and goals.

Humbling Time Period Constructing Site

There is nothing more humbling than updating a web site and realizing that the road you were previously on was much better than the path you are currently taking. There was a time in which we had such vigor when it came to our bills, finances and savings. Sadly though it is a wakeup call as I look at the rising amount of debt that my family and I have accumulated and man do we have a task at hand. Now granted where we are sitting is not nearly as bad as what others may be dealing with so this is definitely something that I am thankful for.

I have updated the Debt Snowball with the most accurate information I have and believe it is pretty reliable. Now with all that said our debt comes in just a little over $88,000 with no money in savings, living paycheck-to-paycheck and that buck stops here. No more am I going to be stuck where we’ve been and the time is now.

Can you feel the motivation? Can you since the excitement in my voice? I look forward to being able to successfully sign off on the $1,000 Emergency Fund. I am ready to be done with the first baby step as we’ve been here before. Now though I must concentrate upon getting from zero to one thousand and as stated before….energy flows where attention goes. $1,000….here we come baby!

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.

Weaving the Web

It is amazing to me how easy it is to fall off the wagon of life. When I mention this wagon of life you can almost insert any word pertaining to that wagon. Whether it be working out, living on a budget, eating right, doing better at work, whatever that list might pertain the fact is it is easier to go back to slacker ways than to keep moving forward. I cannot but chuckle to myself as I looked on this site to realize that my last post for this site was almost one year ago. In fact it was 10 months ago the last time that I thought to myself I want to get back on my budget.

Truth be told I am not alone in my battle against debt. Let me take that back, I am not alone in my personal war on debt. So I am hopping on the wagon again and this time I am hoping that I can maintain my focus on slimming down my debt as well as slimming down my waistline. I love the lay out of my site here and I have decided to use this as my thoughts on everyday life. I am sure that we will laugh together, we will cry together, maybe disagree with each other, but one things for sure I plan on expressing my ideas and my goal in 2012 is to be able to claim that I am, “Debt Free!” I have made the mistake in the past of falling off the wagon and to be honest I am sick and tired of being sick and tired.

I’m taking the financial challenge in Twenty Twelve to becoming more financially fit as well as physically fit and this is going to be my stomping ground in doing so. Also I plan on setting the stage here as I grow as a Christian. Like I said this is going to be a mixture of all things in my life because I cannot grow in one area without growing in others. Here’s my spiderweb, let’s weave this web together!