Saturday, June 25, 2011

Money, Money, Money, Money...Mun-nay!

We're on a new debt diet. Jon and I have decided that there are many areas of our life where we need more restrictions and finances is just one of them. We've been discussing the pros and cons of this for a couple of months now, but it's taken us this long to actually do something about it. After much prayer and self-realization, we have realized that we spend entirely to much of our hard-earned cash on frivolous things instead of necessities. Did you know that eating out and HD cable with DVR are NOT necessities? I didn't either. In fact, they feel VERY necessary to me. At the end of a long day with two boys, all I want to do is sit in my "Ma chair" and watch Housewives...of NYC, New 'Joisey','s a ridiculous addiction and I'm not proud to admit it. And when it's literally a boiling 192 degrees outside...okay, not literally, but it sure feels close, I don't want to cook. Even as much as I do enjoy cooking, I don't like the preparation of making sure I have everything I need from the store, because I never do have everything. I don't like the heating of my kitchen that comes with using the stove top or oven, and I don't enjoy all the cleanup. Sometimes a girl just needs some good Mexican food, ya know?! Jon added up how much we spent on eating out the last month and it was absolutely appalling. And the most sickening part of it was that most of it wasn't even good was quick drive-thru meals on our way to tball practice or soccer games, or out of desperation because there was no way that I could make a meal out of the only three ingredients I had in my fridge that day. It was wasteful spending. We got to looking at what other wasteful spending was going on in our checkbook and it was nauseating. So...thus, the debt diet. Not even debt,, financial restriction diet, I guess I'll call it.
Isn't it interesting how you can look back over the years and see that the more your income increases, so does the spending? I can remember the first year Jon and I were married. We both worked at that time...although I hardly really ever got paid. I made a measly $12,000 that year as an office manager for a dental practice, but it was still a great job. Jon has always been our breadwinner. His first year as a salesman he worked inside and when he became an outside salesman, he began making commission on top of his regular salary. His first commission check was $900 and we both had to pick up our jaws off the floor when we opened that...we thought we were rich...what young, in-love idiots we were! Now a $900 commission check would leave us starving. But instead of staying within the realms of how we lived that first year of marriage, we upgraded on many things...things that we never really needed. Things that really have since then not been so beneficial...such as 700 cable channels. Who in the world needs 700 cable channels? So, as we sat and watched our 700 cable channels, and ate our dinners out, and accustomed our way of thinking to the "we need more" mentality...our butts got bigger, we spent less time talking and reading and enjoying nights sitting out by the fire pit, and taking our dog for walks. So...we're going back to the necessities. We're focusing on the cheaper side of life, and the more beneficial. I'll let you know how it goes. Oh...could one of you please DVR Housewives for me? I might go through withdrawals if I quit everything all at once, you know? I first.

1 comment:

  1. So good to re-evaluate and examine our lives from time to time!! Some one said "The unexamined life is not worth living." It's so easy for all of us to get caught up with what the world calls success. Success is what you and Jon have just done, and I admire you so much for that. Thank you for sharing, Steph!