It’s W Wednesday

So a lot of bloggers have things they do on certain days.  For instance, Moving Monday, Wine or Whine Wednesday, Taco Tuesday (oh wait, that’s something else and now I want tacos.)    Well, I’ve  wracked my brain to think of something original and couldn’t come up with anything.  Honestly though it’s hard to allocate brain space to that when I’m sitting here trying to figure out why my husband is not capable of putting a trash bag back in the can when he takes one out.  That’s a blog for another day.

Today though I wanted to write about budgeting because I feel like I struggle with this issue just as much as all the other issues I struggle with.  Anyone else out there have a hard time making and sticking with a budget? (Insert some emoji of a creature raising hand and jumping up and down.)

There are loads of places to get information on budgeting.  If you ever get on the YouTube you can find a bunch.  Chris and Jackie from Gazelleintents will give you all  the information you need about an awesome budget form in excel.  This is the one I (ahem) use monthly.  You should also check out Penniesintopearls.  She’s a whole lot peppy but very informative.

I do sit down every month and make a budget.  Usually about the time I hit save my husband calls because he has a flat and broke two or three spokes on his bike and got a hole in his pants while fixing the flat.  Then on the way to Wal-mart to buy the stuff to fix his bike and get him new pants we noticed the blinker doesn’t work on the car and the air conditioner is blowing hot air.  Oh and by the way, “Mom, I need lunch money and we are going on a field trip can you give me $100?”

Budgeting is tricky.  My husband and I have decided that Dave Ramsey is pretty smart.  We are trying to follow his teachings as best we can. You know his “Baby Steps?”  Baby Step #1 was to get a baby emergency fund of at least $1000.  We had that at one point – a long long time ago.  Oy!  Actually we are almost here again then we will be moving on to Baby Step #2 the Debt Snowball.  This scares me silly because we have a lot of debt.

I guess what I’m trying to say is that although it’s hard Budgeting is a MUST. How can we reach our goals and dreams if we don’t have the money to fund them?  I for one get pretty tired of saying to my kids “No, we can’t do that we don’t have the money.”

It’s a continuing struggle but we have to keep at it.  What doesn’t kill us makes us . . .

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