Friday 6dAugust 2021 I listened to a great episode from hisnandhermoney.com today – the guest speaker was Jesse Mecham, the creator of You Need A Budget. The episode is entitled: Master These Four Rules of Budgeting To Start Winning With Money. Jesse was super and said that the reluctant spouse was probably overwhelmed, and I think that makes total sense. I will remember that! Thanks Jesse! In the meantime, we need to review the budget as this week it’s not…
Tuesday 3rdAugust 2021 Yesterday was our 18thwedding anniversary. Sadly, because we’re new to this budget business, we didn’t budget for our celebrations, and I am feeling very bad about the money that we spent. As we’re at the coast, Bob really wanted to go out on a boat $150 and then I said it would be fun to go out for a meal too. Foolishly, I chose an expensive hotel to go to – what was I thinking? We just…
Sunday 1stAugust 2021 Hello y’all and happy Sunday to you! I am excited to say that Bob has just sent me a text that reads, “So, listening to Ramsey. He says we should have emergency fund of $1,000 and then clear off debt. I have $9,000 in emergency fund and $12,000 in credit card debt. Shall I use $8,000 to pay off some of credit card?’ My reply, “Yes!”. I wanted to share that because tomorrow we will be celebrating…
Thursday 29thJuly 2021 Bob was cooking supper today and when I walked into the kitchen, he was listening to The Total Money Makeover. This is just too exciting! I have been asked Bob to read / listen to the book for the last seven months. I asked him how it was going, and he replied, ‘It makes sense.’ Praying that Bob will complete the book, praying for the positive changes to come, praying and believing that we will be on…
Wednesday 28th July 2021 We did a weekly grocery shop at the weekend and the food has all gone! It’s only Wednesday! Thankfully we have cereal, bread & cheese left for lunch and evening meals planned but that’s it! Does anyone else have this problem? I have one husband and we have a daughter who is 12 years old and ALWAYS hungry… I have a horrible feeling that I was like that at her age! All the yummy snacks have…
Monday 26th July 2021 Today is pay day – always a good day! As we both work for the same school, we get paid the same day, which is great. Completely unplanned and unscheduled, we both sat down at the dining room table and got the laptops out. Moments later, we had reviewed the budget that we completed last week and cleared Credit Card 1. I was happy, I think Bob was too but he didn’t really show it. Sometimes,…
Saturday 24th July 2021 Bob still wasn’t keen to reveal our total debt, so I basically kept bothering him to find out. Not ideal I know. Here’s what he, begrudgingly, told me: Credit Card 1 $384 Credit Card 2 $1330 Car Loan $16,634 Total: $18,348 I was totally calm, didn’t fly off the handle and told him that it’s not horrendous and we could use our Florida savings ($23,372) to clear that all off. He totally wasn’t happy about that…
Friday 23rd July 2021 Today I asked Bob to let me know how much debt we are in. Credit Card 1, Credit Card 2 and the car loan, then we can follow the debt snowball plan. He says that the debt is his responsibility and he’s not keen to disclose the information. I told him that we are a team and we can get rid of this debt quicker if we are both focused on it. He mumbled something about,…
Thursday 22ndJuly 2021 This morning, I took the family out for a light breakfast (coffee and pastry). It was a great opportunity to discuss our budget as a family. I had suggested this on Wednesday, so it wasn’t a surprise to either of them. It was great! Bob had a good look at the ‘Every Dollar App’ and inputted some of the data. Better still, when he when shopping later that day – he kept to the list and paid…
Wednesday 21stJuly 2021 Hello, and welcome to Day 2 of Money and Marriage. In this blog, I share with you how I am trying to persuade my husband to open his eyes to our finances and get on the same page! Earlier this week, we watched Rachel Cruze and Dr John Malony in their ‘Marriage and Money’ LiveStream – although we didn’t watch it live because we live in East Africa, and it was 3:30am here! So we watched it…