My main worry is always money. Not having enough, when bills come out, which bills come out, where is my money going, what am I buying? Mark and I, both want me to stop worrying about money, and I think the answer to that, is to have more, have enough in our accounts that if we pay rent, we won't have to worry about bouncing a check or not having enough to pay our phone bill. So that is what we are striving for now. I read in a Glamour, Define what RICH means to you. (Glamour of ALL places!! I know!) Reading that made me stop and think for a few minutes. Mark and I have been trying to get out of debt for a while now. (Ok since we got married and added our debts together. Most of it was mine... and it's really not alot, but we still want to get it gone before we incure any more. Everybody tells us this is SMART!) We have had tons of plans on how to do this, and so far have only been able to implement ONE! And that has only been in the past month. I will tell you our strategy so far. I borrowed a book from Teri, by Dave Ramsey, called The Total Money Makeover. We started that, and even eliminated a credit card (woot woot!) we saved up $1000 for an emergency fund, and then.... we bought a dog. We tried at least! Well, that was back in March (we bought Bandit) and now, we have new resolve to do this and get it right. We've got big plans coming up (and you can take THAT anyway you want!) and we want to be debt free for these plans. Well, we got the paper route -it sucked big time- we but it got more cash money flow into our accounts, I switched all my accounts and bill pay over to Mark's account (he has had that account since he was 15 or something ridiculous like that) and he has all his loans and his one credit card at that bank. I got my paycheck to go into his account, and now we work solely out of that account. I created an estimated amount of bills that come out before the 15th of the month and another amount that comes out before the 30th of the month. (I get paid on the 15th and the 30th of each month.) and I leave that money in the account, and then take all the rest of the money out. We have the rest of it as cash. Cash is easier to work with, it means you can't spend more than you got. We set aside for groceries and gas and the dog. When we find out the 'extra' money we have, we then deposit it into my old and unused bank account (from a bank here in town) and then transfer money to the debtors we want off our backs. It works out pretty good (so far!). Mark and I make lunches/buy cup of noodles from Wal-Mart for .28 cents. We each get $30 at the start of each month, to spend on what we want. (Mark buys hunting/fishing stuff, I buy crafting stuff.) But that $30 is all we get, we can't spend 31, or 30.27, we can only spend $30. Then we have $30 for a date night out. (we rent movies-in-the mail for cheap, so we have date night each week, but a night out is still fun!) But, the 2 things that really make this work : Only having OUR cash in our wallets and leaving the cards at HOME! It is so easy to say, "Oh, it's only $2 for a hamburger." swipe that dang card and do that all week, and next thing you know, there goes $25 on food! So, anyways, it's been working so far, and this plan has helped to ease alot of stress and worry.
State of mind, state of being about love. It's up to you if your marriage sucks after 5 years or not. (Ok, not just you, but both of you!) I hate when people ask how long we've been married. A little over 1 year. Oh that's so cute, call me in 5 years when you two hate each other. OK! Really?! I love my husband more than words can explain, it feels like saying I LOVE YOU doesn't even come close to what I feel for him. I plan to be in love with him forever, or at least until they find a new phrase for it! ;) I plan to keep falling in love with him until the end of time. Call us cheesy, corny, dorky, or naive, but I love him, and I am so happy to be with him. So all you people who keep telling me that marriages don't last, that after 10 years we won't talk to each other, in 5 years we'll hate each other, you can all kiss my booty! Mark and I talk about everything, and enjoy spending time together. We both plan to make this work, and want to make this work. So :P (pbbbtttt!!) It's that whole STATE OF MIND, STATE OF BEING!!
much in love- bry and mark
1 post-its:
Hi Bry! I love your attitude! Over 40 years ago, Linda & I were told that our marriage wouldn't last 5 years. Couples who hang in there during the rough times will look back and see that it was the best thing they ever did. Believe it or not, marriage gets better over the years. I can't imagine how it can keep getting better, but it does! You guys are doing great! Just keep doing what you're doing, and you two will last forever! Promise!
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