Finances are tight. Not just for me, it seems for everyone. Every blog is talking about it.
OK, so that is an exaggeration, and I have told my kids NOT to exaggerate, so I should not either. Not EVERY blog is talking about it. But nonetheless, finances are tight for us, and we are not alone. And that is not an exaggeration.
It is easy to look back and see what we should have been doing. And it is easy, when finances are tight to look ahead at what you need to do. But we were never in either situation. And yet, because we were not prepared, we are in the financial tight spot we are in now.
There is no way to know the future. And we always looked toward a happy future. While we were not rich, we were not poor either. So we spent money we had, not thinking to really save for a future emergency. Soon, we were spending money we did not have, only to pay it off as soon as the paycheck came in. NOT a good habit to get into.
There are so many blessings that have come about as a result of JJ being in the hospital. And one of them being that finances are now tight.
Of course, looking back, if we had saved better, finances would not be so tight right now. But the blessing of this is that NOW, while my beloved is still employed, and while the children are still young to not have developed bad habits based on our bad financial habits.... this has been a wake up call to get our finances in order. And we are able to do so while we have finances coming in, and while they children are able to learn.
SO we are FINALLY watching Dave Ramsey's Financial Peace University (can you believe we have had a copy for TWO YEARS and have not watched it until now?!?!). And one thing that we really knew, but weren't really applying, was to SAVE UP for the things you want to purchase. So even with all these AMAZING after Christmas sales, we will just have to save up and buy it NEXT year during the after Christmas sales. It is really hard. Especially when you find something that had been stashed away and now is brought out at the time everything is 75% off, and you know it is a good item that everyone grabbed up at 50% off.
How can I expect my kids to be disciplined in the area of money in the future if they are not seeing their mom and dad disciplined in the area of money? How can I expect them to have delayed gratification, if we as parents are buying everything at our heart's desire?