Be Real Budget Buster!

The first few months of creating budgets is tough. When a budget is made, BE REAL. Things are going to happen. The budget is going to get screwed up. Humans are not perfect, and to expect perfection the first go round of a budget is madness. Defeat is certain at first, especially when financial behavior is equivalent to that of a hormonal teenage drama queen, which can apply to males or females. Got kids, spouse or dogs? Junk food, flowers or dog toy is bound to bust the budget!

What do I mean by being real? Should one account for “extra” money in their budget in case of screw ups. That’s not exactly what I mean. My family prefers to do an every dollar budget. We allocate EVERY dollar of our budget until there is no money left to allocate. We picked this type of budget up through Dave Ramsey’s Financial Peace University. Every dollar of our income is budgeted in a certain way, so there’s nothing left over for “screw ups.” Which means whenever we bust a budget in one area (overspend more than we’ve budgeted) then another budgeted area automatically has less to spend; this equates to two whammies for the price of one. Big sarcastic YAY!

double-whammy

So being real? It means expect a little failure…at first. Strive for perfection, but don’t get disappointed when failure comes. It WILL. For an analytical guy like me, it makes me want to curl up into a tiny ball in a dark corner with my beans and start counting to see what went wrong. The very best thing one can do is shake it off, and try to do better, but don’t quit! Persevere with that budget! A few months of this kind of perseverance and there will be success.

FYI, any mentions I have of Dave Ramsey or any affiliates like Every Dollar, I don’t get a cent, and neither do they, I just really love the products.

 

What Causes us to Fall

Some of us, if not most of us, are at the bottom of a mountain looking up for one reason or another. It may be because we’ve never tried to climb one because we are intimidated by the thought of trying something new. Another may be overwhelmed by how daunting the task is. Others may have tried, but realized the persistence needed is just something that they didn’t have, and gave up. Then there are those who have climbed, got too overconfident, and came crashing down.

“Pride goes before destruction, and a haughty spirit before a fall.”  Proverbs 16:18

My wife said something interesting to me when we decided to record our journey. She said there were warning signs she recognized; and she mentioned them a couple of times to me before, but I never listened. The funny thing is, I don’t remember her ever saying anything to me, which probably proves her point. There have been times in our marriage where what may have been gentle reminders from her, were mistakenly taken as harsh criticisms by me. When perceived criticism causes anger, or a blown off reaction, it’s easier to just not say anything.

Such is life with a prideful person. It’s difficult to talk to them, it’s even more difficult to reason with them when they are in the wrong. I know this because I fell into this category for many years of my life and my marriage. It helped lead us into where we are now: staring at the top of the mountain while trudging in the foothills.

Married people MUST communicate, and sometimes they must let each other know that there is a problem. If one is too prideful to admit they are not perfect or make mistakes, it will only lead to disaster of some kind. I’m glad she was patient and forgiving enough to let me hit the bottom so I would finally listen.

So what to do if you find yourself in a situation where you can’t talk to your spouse about money problems, or any other kind of problems? What do you do if you find yourself in a dilemma where your stupidity got you and your loved ones in a bad spot today? I would suggest for starters, looking up past the mountain into the sky. That is where King Jesus sits on His throne, and prayer is where humbleness begins. Prayer is like an about-face, like a prideful Prodigal Son coming to his senses and realizing there is a better life out there, but first he must change and be humble (Luke 15:17). Once that happens, the Father is there waiting with open arms. Chances are, if done with the same humble attitude, so is your spouse.

In the end, life’s not about the money, security, fancy cars, big homes and lots of travel. It’s about kneeling before Jesus, hearing Him say, “Well done, you good and faithful servant,” because He is well pleased with what you have done in this life for Him and others. Doing for Him would be giving your life over to Him and trusting what He has for you…humbly. Doing for others? Why not start with your spouse? An attitude of gratitude and not being above it all will help start getting through that foothill snow, and giving you a partner to climb the mountain with for a lifetime.

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