Vonnie and I had made quick work of reviewing and revising our spending plan for the remainder of the month, so we started work on our finances for the first half of November.
“I think we should put something in savings,” she said.
I was caught off guard and surprised when Vonnie said these words. Not because she said them, but because I knew it was possible.
For so many years, it has been so different. We’ve been living paycheck to paycheck for our entire marriage, and up until we enrolled in our debt management plan we supplemented our income with credit cards. Living the concept of “Pay yourself first,” and putting money into the savings account that has been stuck for years at a balance of 25 cents has been unthinkable.
With significant cuts in our monthly expenses over the last three years, and both of us now receiving additional income from new opportunities, the funds left over after paying all our bills was a number that we have never seen. I started to think about what this meant for our family.
Upcoming expenses like new brakes for our van, winter gear for our kids, and gifts for the upcoming holiday season will not cause the financial mini-crisis that they have in the past. We could start putting money away for a family vacation, or increase our contribution to our 401K.
IF we can control our spending, and stay on track financially.
It’s really up to us, and whether we can successfully manage our finances. We hold our fate securely in our own hands. I can barely believe that we are in this position given the issues we had just a few short months ago. I started to wonder if my eyes and ears were deceiving me. I needed someone to pinch me to make sure this is real.
“How much do you think?” Vonnie asked.
“Hey! Are you listening to me?” she said, obviously irritated.
“I’m sorry,” I finally responded. “Can you say that again?”