January 18th, 2018
Do you have an appreciation for finances? That might seem like an odd question. You may be used to the term money instead of finances. Many people like money, some even love money. Finances is different from money, it is a way in which you handle, plan and utilize your money and assets. Your finances can range from your monthly bills, how much you will allow yourself to spend on your delicious cup of coffee on your way to work, investments, retirement plan, college fund or your credit card debt. I appreciate finances because it is a powerful way to handle money. You are in charge of your debt, you are the one that decides if you will live inside or beyond your means, you get to set goals for your days, weeks, months and even years. You have something to appreciate when you take your focus from money to finances.
I have lived in times when money was tight and when it was comfortable. There were times that you could feel the constant stress of waiting for that next paycheck so that you could breath a little easier. During the tight times I always had everything I needed, a roof over my head, food in my stomach, clothes on my back and peace in knowing that things were going to get better. The harder times with money made me appreciate finances and I started enjoying keeping a tight budget. My past made me enjoy dealing with finances so much that I got a job as an accountant with a large retail store. I loved counting money and making sure everyone had an exact till. It was a challenging and mentally satisfying job. There is so much that I took away from that job experience that I use even now. I know where my finances are, what they are doing and how I want to handle them for the next 5 years.
Having a husband that enjoys handling money well and likes to save as opposed to spend is such a blessing. We have made plans from this month to 5 years out about our finances. We are not rich by any means but we are wise with our assets. Saving is important to us and so is living fully. There must be a balance between saving and planning just as much as having fun and going on adventures. Before a next purchase check yourself. Is this purchase helping me attain any of my goals? Is this a want or a need? Could I put this money towards something that is more important and crucial to my future? Though you may want something now, does it have such an impact on your life that you are better off over the next year because of it? If you answer yes to these questions then I highly recommend that you wait at least 48 hours before completing the purchase. You would be surprised by how many things we change our mind about when we mull it over after the impluse to buy leaves us.
Let me leave you with this final thought. It is not about how much money you have, but rather how well you utilize it.