Showing posts with label budget. Show all posts
Showing posts with label budget. Show all posts

Friday, July 23, 2010

Too Much Stuff

I've been having a great time discussing the last couple of posts. I'm grateful that there are people that I know and people I don't know that are reading this blog. I started it to teach myself writing discipline and document areas in my family's life that I wanted to improve, but the ways that others have responded, taught me from their own experiences and challenged me to deeper levels of faith in areas I need to grow has been humbling. Thank you for reading.

I come back to the matter of finances again today. I've come to realize something in my adulthood that I never knew as a child growing up in the home of the pastor of a small town church.

You can have too much.

As a child, I never felt that we were destitute or poor. I couldn't even tell you now if we were. We did have to be careful with money. We did live frugally and conservatively. We wore hand-me-downs and once or twice I remember people bringing us boxes of food and we were grateful for it.

I didn't spend a great deal of time pining for things I couldn't have. I know I did the usual whining that kids do, but I never really felt like anything was truly missing from my life.

Then I went from Pastor's daughter to engineer's wife. We are by no means wealthy, and being an engineer, MacGyver has a personality that is practical and frugal, so we don't spend to extremes. We don't spend what we don't have. And the budget we have agreed on is not suggestions, it is the bottom line.

We have everything we need. We have enough to spend extra to have healthier foods and products. We have enough for quality clothing and fun vacations with our family. And I'm thankful for this.

But we have too much stuff. Some days I wish I could just dump it all on the curb. I am constantly picking up the same 17 pairs of shoes, the same 600 toys and game parts and the clothes are everywhere!

So in the next month (before birthdays and Christmas hit us again) we are getting rid of extra toys, clothes, and all the things that just get crammed in corners and set to the side to deal with later. If it doesn't get played with much, doesn't mean anything to anyone, or tends to end up all over the floor and under foot - it's history.

I'm not sure what the Kidney Foundation does with all this stuff. But as long as it isn't my problem anymore - I'll just be happy to dump it on my front porch for them to whisk away.

Oh, and everyone wish MacGyver a happy birthday!

Thursday, June 17, 2010

Can We Afford All These Kids?

It's time to be quite honest. More honest that I'm really comfortable being. That's the sticky part of being a writer.

By the way, did you notice I moved the blog posts so you could see the bottle of glue? I felt that made more sense. And that little punch of orange on the page is so refreshing.

Anyway... oh yes, being honest. I'm actually starting with the easiest category. Money. Not that money is easy to figure out. I've never liked math. I got an A in geometry and still didn't understand how I'd come to the right answers. Figure that one out!

MacGyver and I have had our share of disagreements about money. In fact, we are just about as opposite as two can get in our views of money priorities. MacGyver knows that a penny saved is a penny earned. He understands that if you buy something for less you save the difference. He also gets a little nervous when our spending creeps right up there around where our income is.

It's not that I don't agree with him. I do. I am so incredibly relieved that I have a husband who saves and sacrifices and hates the very notion of having debt. I am also ecstatic that MacGyver can fix ANYTHING. While the rest of you hire your electricians and plumbers and handymen I have my very own who works for free. It's okay to be a little jealous. And I'm not exaggerating - he can fix just about anything with a chocolate bar and a paper clip.

Maybe I was exaggerating a little. But just a little. A tiny bit.

So here I sit and wonder - what exactly are our financial goals? We are already debt free (thanks to MacGyver, NOT me.) But I just have to be really honest and say having four children does get a bit expensive. All of them like to eat. I didn't get the picky little skinny child who won't touch his dinner and seems to survive all day on a few ounces of apple juice and a chicken nugget. All of my children eat as much as I do - if not more. Well, I guess I can't say all my children. Number 4 hasn't entered the world of solid foods yet. But his day is coming soon, and it's only going to make grocery shopping within our budget that much harder. And because we are committed to eating healthy - it's a challenge. It seems like the price of food and clothes just escalates every month. Add to that diapers and pullups and all of those accouterments... it certainly adds up.

So I'm just going to make one simple goal in the area of my financial responsibility for this next year. I'm going to attempt to stay within our budget. I'm always running to MacGyver bemoaning the fact that the world has just gotten to expensive for our budget to work anymore. But enough is enough. I'm going to make it work.

I'll let you know how it goes.