Well, I can’t believe I’m saying this, but I have officially reached new levels in the nerd world. Is that even possible? Hi, I’m Kayla, a frugal wife and mom of two, just trying to keep my head above water in today’s culture of consumerism. Welcome to my new blog! I’ll do my best to not bore you with the topic most of us avoid like the plague: money management. Now, I do have a little disclaimer: I am by no means an expert in this area. I’ve just simply learned what’s worked for me, and I believe it can work for you too. So allow me to convince you why having a budget really is the key to your financial success and not a waste of your time. Let’s dive in!
Recently, I read that money is the one universal language we all speak. In essence, this is true, but money can be a touchy subject. Let’s be honest, the word “budget” isn’t exactly associated with words like, “fun” and “exciting.” However, creating an effective budget is a tool that is absolutely necessary if we want to consider ourselves wise with money. How do we know if we are wise? What does that actually look like? Basically, we know we’re making good choices with money if our expenses don’t exceed our income. But more importantly, it’s how we use our money that counts. Some of us are savers, some of us spenders. Some of us are materialistic, while others are more minimalistic. We can all identify with traits like these, and we can all improve no matter what side of the spectrum we’re on. Likewise, we all have goals and dreams. Places we’d like to be someday surrounded by the people who matter most. What are your dreams? What is your financial situation? Perhaps you are crushing your budget goals and looking to this blog for moral support and fresh ideas. Maybe you have no financial plan at all. Or maybe, like the majority of us, you are drowning in debt. And I don’t know about you, but I don’t want to picture myself drowning when it comes to financial matters.
So how will we achieve our dreams? How will we keep our heads above water if our debts are constantly pulling us down like an anchor? How will we stay afloat when the unexpected storms of life surge in, threatening to swallow us up? When the current is too strong and the waters are too high, we need a budget. When we establish a budget, it acts as the life preserver; its most important job is to do what it was built to do, especially when we need it most. We rely on it. Without a budget, we are simply lost at sea.