After yet another day of deliveries arriving at our house (USPS, UPS, and FedEx all with at least two packages). I began to wonder, how do you decide when enough is enough?
We have a list of things we would like to buy. For the house, our hobbies, our family, vacations, events, etc. Who doesn’t? Since we had reached our big financial goal, what was stopping us?
In my early 20s the hubby and I began life planning (see money manifestation board). We dreamed and discussed how we wanted to live our lives (how many kids, how and where to raise them, where we want to travel etc.). So we developed a budget. A pretty serious budget. We sent directly to savings one of our salaries (we make about the same amount). Our budget wasn’t austere but it gave us a framework for determining what was important to us and using our money to achieve those things. Essentially, it made it simple to know when to say no to spending.
Three years ago, that budget meant that we had saved enough to enact our first huge lifestyle change. We welcomed our first child, moved across country to a small mountain town, I began to work from home (still fulltime) and hubby left his secure, salaried employment to start his own company.
As if that wasn’t enough change, the next two years brought the arrival our last child, hubby was hired by another salaried employer, and we bought and remodeled our forever home. Somewhere in the midst of this change, we stopped using a budget.
So back to the deliveries…
As the deliveries came in the door I felt frustration. Sure, we reached a big financial goal. What is more important is we are not yet where we want to be to make the next lifestyle changes. There are only so many hours in a lifetime. There are many interests we both have that we want to pursue. These deliveries (inexpensive items but everything adds up) were taking away from the present we want to be living. While we have the dream manifestation board, we had lost the tool that is essential for making those dreams reality. And so, it is time to yet again create a budget.
Talk back, do you have a budget? What are your feelings about living on a budget? Do you think one can ever have enough money to not find a budget helpful?