Posts Tagged ‘budgeting’

postheadericon Day 17 of Money and Marriage Talk with Eric and Taffy

Up at the crack of dawn and cranking things out. Sending emails to follow up on two different interviews this upcoming week – one that I am conducting and another where I am being interviewed. Love love when I get to make progress early in the morning. I also sent out banners to several businesses that would be linking back to Bride and Groom Money Talk FAQ. Be your own cheerleader if no one else will!

Hubby reminded me that we needed to take my car in. So I said absolutely let’s get it in so they can check that tire. It was important for me to know that my tires were all in good working condition. Some of my busiest meeting days are Mondays. So we dropped it off and then we planned the rest of our day. He would be taking care of our yard, kids involved with that and I’d be in here writing and doing some of the household duties inside. Teamwork is soo powerful even when it comes to domestic duties.

Remember yesterday when we talked about the car – the tire should be changed and no cost because of the warranty. Keep that in mind. Hubby and the kids left to go to a store and get some weed killer and a couple of other things for the yard! That was cool because they’d get a chance to get out, walking around for a bit and I could keep pressing on with what I was doing.

After several hours, I called when it got close to 4 and asked if they had called him about my car. He said no! I knew they closed at 5 and I wanted to make sure I had my car back! He said we are close to home I’ll call them when I get there. As he pulled into the garage, the house phone was ringing and it was the Tire company about the car. The gentleman went on to explain to me that 2 tires had holes and needed to be replaced. There was a cost involved – I requested that the gentleman bottom line it for me $62.00 . Interesting when you are thinking $0. Then he went on about some other things that they found wrong. By this time, I had walked outside and gave the phone to my husband. Alright wives, how many of you know when it comes to cars and what’s wrong sometimes they are speaking a completely foreign language.

Whew! So I gave the phone to hubby and said listen to what he has to say. Hubby was listening and the man went on about the tires, then the battery, next was the air filter and something else. All I could hear was cha ching! Cha ching! Hubby got off the phone and said I told them to fix the tires. I can change your battery and air filter myself. I said okay. So I went back to work for quite a while and waited for them to finish up with the car.

Shortly after 5 the call came in and we went to get the car. We paid for the tires. Then hubby and I went to a local Autozone and got a battery ($122.00) for my car which ended up being less than the price we were quoted. He changed the battery when we got home. Later that evening I went out and gased the car up so I would be ready to go on Monday and not have to do that.

The day ended up costing close to $200 which I must say is a big difference from not expecting to pay anything. Would you be able to pay $200 unexpectedly or would this affect your household budget in a negative way? Would you and your mate begin arguing about the car not being maintained or would you be giving up something else in order to get the car fixed.

I always think about prioritizing. What’s important for the day to day. Each day can take care of itself. What do you think.

Money and Marriage Lessons for Today:

1) There are a lot of benefits to having a saving account or an emergency fund! One being it keeps you
from panicking when an unexpected financial situation happens.

2) When it comes to automobile repairs, weigh all of your options. Do your research and know what works for you and what doesn’t. For those that this is their only means of transportation to and from work, get the cars fixed!

3) For all money decisions, think big picture. What are the advantages and what are the disadvantages.

Money and Marriage Encouragement for today:

Hindsight is 20/20 -that is why it is very important to take your time when making all decisions whether they involve money or not. Do what is best for your family and the marriage.

postheadericon Cash Christmas Continues

When I looked over in the next check out lane, there was my husband and our son. I said to my daughter, cover up his present. She did right away. So she stood in line with our shopping cart. Hubby and I touched base briefly and then agreed to meet up for lunch after both of us checked out.

Our son was soooo excited for his sister. He told her when you see what I got for you its going to blow you away! Now, coming from an eight year old – that made me laugh a lot. I knew what he had gotten her. Mind you, he went over the dollar amount and on this one I stretched since I felt it was truly worth it.

After lunch we had a couple of more places to hit and then we were home for the evening. It was sooo much fun and of course the twins were excited for the next day. They had saw boxes being delivered by UPS, the mailman and Fed Ex. Yet, they didn’t know which ones belonged to them and which ones were ours. Oh the fun I was having.

Needless to say that evening, there I was with all of my receipts and budget evaluating what was done with the finances that day. I was very proud of what my husband had done with his lists and dollar amounts as well as myself. When Christmas came, it felt good to know that we stuck to our game plan and didn’t move from it.

It was a great day for many reasons and one which was because it was done in CASH! That’s right. No credit card bills coming in January with huge balances or anything of that nature. I told my husband thank you and that I appreciated him working within the plan because I know that is not what he would like to do.

Lessons from the Cash Christmas:

1) Set your plan whether early or even late and stick to the plan. You (and your family) are the ones that has to live with the consequences.

2) If you are the shopper, shop within healthy financial boundaries that allow you to enjoy life knowing the bills are paid and you have money left over.

3) Create memories surrounding finances that don’t involve stress. Hmmm, there’s a refreshing idea.

4) For those with children, set the example and actions you want them to follow once they are adults.

postheadericon Needs versus Wants video

I thought this lesson was so important that I would continue this theme throughout this week. Hmm, timely considering Christmas is coming. I knew that is what you were thinking.

Sit back and take a look: