Lately I’ve kind of been a Debbie Downer when it comes to money. I feel like we aren’t saving enough and we have all these things that we should be saving for. Almost two years ago I quit my job to become a stay at home mom. I don’t regret that decision one bit and I’ve enjoyed my new job of being a wife and mom tremendously. I love my husband and daughter more that I ever thought possible. That doesn’t mean that things are always perfect though, and I struggle with the lack of a second income (especially now that Mr. Money had a pay cut) as well as having to be on a strict budget. Truth be told, I don’t like living on a budget; I like to go out to eat when I want and make trips to Target to bask in the fabulousness that is Target and not worry. However, if choosing not to do those things and being aware of where our money goes is what I have to do right now, then I will. Things could always be much worse.
I have been really overwhelmed with feeling like we’re not saving money lately. There are many things we need to have money for: a new roof, windows, Penny’s education, our retirement, and paying down our mortgage faster than on schedule. I need to come up with a plan so that I can set it and forget it.
I think one of my big problems is I read about these people that are completely debt free (some including their mortgage!) and I feel like we should be doing better. I hear about people that are my age and have over $100,000 in their retirement/investment portfolios. I feel like we’re behind in so many ways and that we’ll never be able to catch up. Sometimes I think social media and the internet are both a blessing and a curse.
I guess I do need to give us some credit: we have made it two years with me being a stay at home mom and we haven’t depleted our savings account 😉 That is a good thing! I need to relax about money and enjoy the time that I spend with my family. I am grateful for everything we have and I am very glad that I did spend many years working and saving money to be able to do this.
What do you do to not worry about money?