My husband and I recently decided to work on our financial wellness. You may be thinking that finances have nothing to do with your overall wellness, but I strongly disagree. Our finances have a profound affect on us. They allow us to pay for important healthcare; such as acupuncture, massage, or even a visit to the doctor. Having adequate resources allows us to buy healthy and nutritious food. Money even supports some self care activities such as going on a retreat, vacations, or yoga classes. Even without all the things that having some coin in our pockets can do for us, there is the stress that not having enough cash causes. When the bills seem to out number your income or creditors all calling, the stress level can get out of control fast. High stress levels are not good for us. They can cause anxiety, depression, high blood pressure and other illnesses including unhealthy weight problems. Gaining control of your funds is an important step to your overall wellness.
As my husband and I set out on our journey to financial wellness, we first had to get on the same page. We are grateful for the book, Total Money Makeover; by Dave Ramsey. Dave doesn’t believe in manifestation or the Law of Attraction. Interestingly, I feel it was my focus on manifesting financial abundance, that caused the Universe to bring Dave and his books to my attention. I am happy to agree to disagree with Dave on this point. Total Money Makeover inspired Marty and I to get serious about our finances and we started working on the steps Dave laid out in his book.
All of this was a new to me. I have done spreadsheets for bills and payments due but never made a plan for how to spend the rest of the money. It just never seemed like there was enough of it to worry about. However, not worrying about how to spend the rest caused overspending. This just made matters worse and financial stress higher. We downloaded the app, that has been developed to support Dave’s principles. It is called Every Dollar. Dave wants you to give every dollar coming into your household a home so you know where every dollar is spent. When we initially logged our October spending, we were shocked to see some of the ways that money was escaping from our pockets. There were a lot of little things we were spending money on that, quite frankly, were a waste. Money was dribbling away from us in little insidious ways. It was not big purchases that were doing damage to our bottom line. It was the few dollar here and a couple of bucks there.
Next, we developed a November budget and set forth to follow it as close as possible. It was the first time either of us had ever really budgeted that tightly. There were things that came up that we had to adjust another spot in the budget to expense them from. Everything needed to add up to zero at the end. There were a couple places where we placed too much money and a couple others where we did not plan enough. In the end, we made it through our first month of budgeting. When we talked about how we felt during this first month of budgeting, we both agreed that we felt more in control of our finances and less stressed. The interesting side effect was, when we got to the end of the month and the next payday, we had some money leftover. It seems crazy but true. Somehow being on a budget, giving everything a home and watching where things were going; not only gave us the feeling of having more money but actually more money.
I am very grateful that my husband is the type of man who is willing to walk this process with me. It is truly a team effort. If you decide to start on a road of finance wellness, I wish you every success. That are many money gurus out there. Maybe Dave is right for you or maybe it is someone else whose process just seems to make sense and be the right tool you need to feel financial well.
Thank you for reading my blog today. I love you! I wish you a lifetime of finding the right financial tools for your personnel wellness, as if by magic. Just as mine came to me.
*Photo taken in Rome, Italy
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