tag:blogger.com,1999:blog-4055690688282230469.post1712505421424350022..comments2024-03-28T18:58:47.880-07:00Comments on creative savv: Setting up a budget: determining goals and prioritiesLilihttp://www.blogger.com/profile/13292553654219380455noreply@blogger.comBlogger9125tag:blogger.com,1999:blog-4055690688282230469.post-32877120874270527042012-10-27T08:24:59.834-07:002012-10-27T08:24:59.834-07:00Hi Anexacting,
Thank you. I know, the judgement t...Hi Anexacting,<br />Thank you. I know, the judgement thing is rather ridiculous. What business is it of anyone else's if we don't eat out much, but we want to keep our house warm, or I want to buy a piece of nice artwork for the wall?!<br /><br />We do like to include our kids in our finances, as for one thing, when they're on their own, they will already have an understanding of how to manage their financial life, and secondly, I want them to see that it's all about choice. <br /><br />When I was growing up, my parents would often say "we can't afford it", when I'd ask for something. So I grew up thinking we were poor. A lot of kids make this mistaken assessment, simply because their parents worded a reply incorrectly. Instead, my parents should have said we were choosing to spend our money in other ways. I could have understood that just as well, and learned something about personal finances at the same time.<br /><br />Thanks for reading.Lilihttps://www.blogger.com/profile/13292553654219380455noreply@blogger.comtag:blogger.com,1999:blog-4055690688282230469.post-81880196103736273142012-10-27T08:11:56.144-07:002012-10-27T08:11:56.144-07:00Hi Janice,
I'm so glad to be of help. Good luc...Hi Janice,<br />I'm so glad to be of help. Good luck with your finances. It's not always easy, but I know you can make it work!Lilihttps://www.blogger.com/profile/13292553654219380455noreply@blogger.comtag:blogger.com,1999:blog-4055690688282230469.post-50845756567315639822012-10-27T05:04:03.462-07:002012-10-27T05:04:03.462-07:00This is excellent. I think people are too quick to...This is excellent. I think people are too quick to belittle someone who prioritizes pretty home decor or a warmer house. As long as you are living within your means and saving from other categories, why the judgment? I also like your approach to helping kids understand and participate in the family financial "big picture."Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-4055690688282230469.post-61544638358883993772012-10-26T09:20:28.520-07:002012-10-26T09:20:28.520-07:00Thank you! This is what I was hoping for. I look f...Thank you! This is what I was hoping for. I look forward to reading the next part.<br /><br />My husband comes home from a week-long conference, tonight. I want to talk with him about our goals this weekend. We've been struggling to get our spending under control. Again, thank you! I think this will help.Janicenoreply@blogger.comtag:blogger.com,1999:blog-4055690688282230469.post-23707803118880296302012-10-25T17:53:57.937-07:002012-10-25T17:53:57.937-07:00Wow. You said a lot just in that paragraph. You ...Wow. You said a lot just in that paragraph. You are so right, young adults do think they are immortal. I know I did. (Somehow that perception changes when you cross over into your fourth decade of life!) I think you and your husband have both persevered and endured through incredibly difficult circumstances. You have so much to teach the rest of us! Thank you for being candid.Krisnoreply@blogger.comtag:blogger.com,1999:blog-4055690688282230469.post-22223044379451073142012-10-25T15:32:50.345-07:002012-10-25T15:32:50.345-07:00Hi live and learn,
That is an excellent way to han...Hi live and learn,<br />That is an excellent way to handle the door-to-door sales kids. A way to give to their organization without buying something that you had no use for. Lilihttps://www.blogger.com/profile/13292553654219380455noreply@blogger.comtag:blogger.com,1999:blog-4055690688282230469.post-4779162684944040762012-10-25T12:50:00.019-07:002012-10-25T12:50:00.019-07:00Good advice to think out your goals before you get...Good advice to think out your goals before you get to the details of your budget.<br /><br />A follow up to something that you mentioned. I find it hard to turn away any kid selling things because I did so much of that when I was in school. However, I usually don't buy what they're selling. I give them the amount of profit that they were going to make by selling me something. I save money and the organization gets the same amount of money in the end as if I had bought their wrapping paper, candles, or whatever. Of course, you shouldn't do this if it doesn't fit into your budget, but it works for me.Live and Learnhttps://www.blogger.com/profile/13493777474885053903noreply@blogger.comtag:blogger.com,1999:blog-4055690688282230469.post-3123829588670662022012-10-25T12:47:40.093-07:002012-10-25T12:47:40.093-07:00Hi Kris,
thanks for your kind words.
My husband...Hi Kris,<br />thanks for your kind words.<br />My husband's disability has really taught me a lot about compassion, patience, and how much the human spirit can endure and continue to thrive under. But it also has presented us with financial realities. Perhaps we are the lucky ones, with this. When you're young, you feel immortal and don't really plan well for the future. But for us, as his accident happened a very long time ago, we faced our future financial challenges from the very beginning. It made me stronger and more willing to take on aspects of work that most of us think is "man's work". And my husband makes me proud every day. He thrives with grace.<br />And you're absolutely right, everyone should have a rainy day fund, because it rains on everyone, sooner or later!Lilihttps://www.blogger.com/profile/13292553654219380455noreply@blogger.comtag:blogger.com,1999:blog-4055690688282230469.post-70000209642409902132012-10-25T08:56:53.026-07:002012-10-25T08:56:53.026-07:00Excellent post! You think things out so well and ...Excellent post! You think things out so well and are so detailed. <br /><br />I am sorry to hear about your husband's disability. Motorcycle accidents can be devastating. Along those lines, when budgeting, I think it's a smart move for everyone, regardless of your personal priorities, to set aside a rainy day fund. Everyone, sooner or later, will have need of money which they can access quickly. So far for us it has been for relatively minor things like root canals and a new septic drain field, but, as you well know, sickness and accidents occur ... people lose their jobs ... and if you live paycheck to paycheck, that makes difficult circumstances darn near impossible. <br /><br />Thank you for always having such good food for thought! Krisnoreply@blogger.com