Thursday, January 5, 2012

The beginning

I’ve never been good with managing money. Ever. The phrases “burning a hole in my pocket” and “nickel and diming money away” come to mind when I think about my spending habits. When I was younger and lived at home, I didn’t have access to much money, besides getting a small amount for birthdays and holidays. What money I did have, my parents let me spend on whatever I wanted. In college and my early 20’s, if I was irresponsible with my money (which was fairly often) I always knew that my parents would bail me out and write me a check for what I needed. It sounds horrible as I type it out all these years later. Now that I am older and consider myself to be a responsible adult, I am realizing that I don’t want to be careless with my spending anymore.

So here I am today. 32 years old. Married to a wonderful man, with two young daughters and two bonus kids. I am finding that I want to do things with my family…….vacation, have a Honda Pilot again, send my kids to every camp and class they want to attend, or have a quick spur of the moment out of town getaway. Yeah, not happening.

The reason it’s not happening is because I have not learned how to be responsible with our money. I haven’t yet had the conviction or the urge to manage money the Godly and right way. Admittedly, I haven’t exactly delved into the Bible to read what God says about money. Sure, I know to tithe 10% and to give to the needy, but that’s seriously about the extent of my knowledge. Pretty sad for a girl who has gone to church for 32 years. So. That is my mission. I am going to read the Bible and really find out what God says about money. I know that if I’m not managing money the Godly way, then none of this will work out. I know that my HEART has to change in regards to money, and then my head and debit card will follow!

My husband and I have some pretty lofty goals for the new year. We want to pay off the remainder of a big debt that we owe, put our house on the market, move into a new house and then get pregnant for one last baby. But first and foremost, we want to be obedient and pay off the debt that we owe to others.

So join me as I write about becoming more familiar with God’s word, learn about money, and in the meantime SPEND LESS MONEY!