Every year about this time—actually, usually right after the holidays—my husband and I have a financial planning meeting. I know that might sound silly, but I think it’s very important to discuss your finances, and while we do so on a regular basis our planning meeting is to discuss what we want to accomplish in the following year. It gives us a chance to both be heard and discuss where want to be in the upcoming year. Although we have never quite made it to where we want to be in a years’ time, I do find it helpful for us to be on the same page.
We leave these meetings feeling so accomplished and determined but pretty soon those feelings are overridden whenever a new movie comes out, or the girls “need” a new toy. My kids aren’t spoiled by any means, but sometimes I get so tired of saying “no” to their every request, you know? My point is, I wish we could keep that feeling alive, and continue to be mindful of our goals all the time.
I’m not quite sure how to go about this. I really want to make changes, I’m just not sure how. We are considering tackling Dave Ramsay’s plan again. While I read the book and we discussed it, it was never something we both got behind, and in order to make changes within your life of any kind you and your spouse need to be on the same page.
I’m really tired of living paycheck to paycheck and using any extra money to pay off credit cards. I really want to get this life behind me but I really don’t know if I can do it. Wish me luck as I start talking this over with my husband!