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I wish I’d learned how to budget before now.
Before I was married, I still lived at home with my folks and I mostly did what I wanted with my money. I had a car payment and a couple of credit cards but no other real bills.
After Mom and Dad separated, Mom and I split bills until I got married and then Moo and I split bills.
It wasn’t until we bought our house three years into our marriage that we even had a joint bank account.
But even then, we really didn’t set up a serious budget. Oh we knew how much money we made and we made a moderate effort to stay out of debt, but we didn’t really stress out over it.
However, since Phoebe was born, we have seriously buckled down. For one thing, we’ve gone from two incomes to one. We also had some debt that we needed to deal with – nothing big but big enough that it squeezed us pretty good.
We got out of debt except for the house and stayed out but we still didn’t save like we should have.
Now, we’ve changed all that. We’ve learned how to budget down to the penny and we work hard to keep our expenses as low as possible and we’re beginning to be able to put a little away. Not a lot – not yet, but it’s coming.
So that’s what I wish I’d done. I wish I’d been smarter sooner.
I imagine a lot of people wish for that.
Day 2: Something you love about yourself
Day 3:Something you have to forgive yourself for
Day 4: Something you have to forgive someone else for
Day 5: Something you hope to do in your life
Day 6: Something you hope you never have to do
Day 7: Someone who has made your life worth living
Day 8: Someone who has made your life hell or treated you badly
Day 9: Someone you didn’t want to let go, but who drifted
Day 10: Someone you need to let go, or wish you didn’t know
Day 11: Something people seem to compliment you the most on
Day 12: Something you never get compliments on
Day 13: A band or artist that has gotten you through some tough times
Day 14: A hero that has let you down
Day 15: Something or someone you couldn’t live without
Day 16: Something or someone you could definitely live without
Day 17: A book you’ve read that changed your view on something
Day 18: Your views on gay marriage
Day 19: What is your opinion of religion?
Day 20: Your views on drugs and alcohol.
Day 21: (Scenario) Your best friend is in a car accident and you got into a fight a couple of hours before. What do you do?
Day 22: Something you wish you hadn’t done in your life
Day 23: Something you wish you had done in your life
Day 24: Make a playlist to someone and explain why you chose those songs
Day 25: The reason you believe you’re still alive today
Day 26: Have you ever thought about giving up on life?
Day 27: What’s the best thing you’ve got going for you right now?
Day 28: What would you do if you got pregnant (or got someone pregnant) right now?
Day 29: Something you hope to change about yourself
Day 30: A letter to yourself