*Pictures don't really go along with the words in this post... Just, as usual, I have some cute ones of Bubba to share... and He's (kinda) wearing clothes in some of them!
Last Saturday John and I used one of our favorite wedding gifts. Tickets to go see Dave Ramsey live. This gift was a favorite because it wasn't just something we needed for our kitchen or home... but knowledge to help us better our lives and our future!
I had heard of Dave before (I think most people have?) and because the tickets were accompanied by his book, The Total Money Makeover, John and I both read it before going to the show.
Dave mainly preaches about being debt free. About the power of OWNING things OUTRIGHT. About the lie that our country tells us about needing and depending on debt.
The best part? It all makes perfect sense. It's not a get rich quick scheme, he isn't manipulating information- it is cold hard facts. Both John and I cannot deny that.
I don't think that we have been "stupid" about money in the year that we have had a joint bank account, but we aren't really being "smart" either. We made a budget "in theory" but it was never on paper. There was no teamwork going into what we were spending each month, barely any communication, and that has left us feeling unorganized - and guess what? We are spending WAY too much on stuff we DO NOT need.
We are lucky to not have any student loans (yet), car payments, or mortgages. We are in a position to get really aggressive with our savings and realizing that dream of putting a really large downpayment on a house within the next five years! But in order to get there, we need to do without... this is hard.
The blogging world is great for many things... but materialistically it is NOT good sometimes. It is so easy to compare yourself to other people with their HOUSES and their NICE CARS and cute clothes and all the shopping sprees they go on. And honestly? Sometimes I find myself saying, fine, lets be in lots of debt so I can have all of these nice things! And for this... I feel ashamed!
So it's time to change some things around here. Time to get serious about sacrificing - so the house and the cars and the shopping sprees can all be mine- guilt free baby! The thing is... we are making ABOVE the average household income, yet we definitely aren't living like it! What the heck?!
But I think it's easy to say we are going to get aggressive about saving and sacrifice and then half ass it. One of the few things that John and I own OUTRIGHT that is of any worth is our rings. Now our wedding bands? Those are off limits. They were blessed by my great uncle on our wedding day and are precious and not replaceable. But my engagement ring?! John didn't pick it out or create it, we always said it would get upgraded eventually, and my band is gorgeous all on it's own - so why not SELL IT! I know, I know... but really?! I want a house and a nice SUV and mostly FINANCIAL SECURITY more!
So this week is a trial run. I am wearing only my band and if at the end of the week I miss my ring, then we won't sell it.
So what do you think? Am I completely crazy?!