So let's talk about a topic that tends to be one of the biggest conflicts in a marriage...Money. Since K and I got married, K has handled our money. Which from what I have observed is opposite of how it usually is. I have seen that a lot of the wives take care of the checkbook and balancing, right? Since K works at a bank and has for the past 12 years, he is naturally good with money and budgeting. I am not. I am a spender by nature and only worried about how much spending money we had in our account. K writes everything down in a little notebook and how much goes where, but I will be honest...I would skim the numbers and check the bottom to see how much spending we had and I was good to go. I was not involved. We have had some disagreements about money mainly because K is a saver and our two different personalities would clash.
Where there is no counsel, the people will fall;
But in the multitude of counselors there is safety. Proverbs 11:14
So here is a few tips we have learned from Dave that we have put to practice:
1) Do the budget together.
2) Give every dollar you make an assignment
3) Make sure to prioritize your budget (our priorities include: Tithing, Bills, Savings, Spending) and be as detailed as possible. Include gas, groceries, etc and write each debt like credit cards, student loans, etc.
4) Allow yourselves some spending money and do this with cash!! Once the cash is gone, no more spending money and it prevents you from overspending! It works!
The plans of the diligent lead surely to plenty,
But those of everyone who is hasty, surely to poverty. Proverbs 21: 5
My next post will be about savings (what has worked for us and some of Dave's tips) and I am currently in research mode on how to save on groceries. That was another area K and I would overspend. I do coupon a little, but I think I will have to change my methods. Until next time!