"You must gain control of your money or the lack of it will forever control you."
- Dave Ramsey
Did you know that you have the power to control your life? Ok, maybe not everything that happens in your life... But when you have control of your money, you feel so much more in control of the rest of your life too. Murphy seems to visit a bit less often. Those emergencies become merely an inconvenience when you know you have the cash to cover it. You feel confident and secure knowing you have a plan to handle whatever comes your way.
Before my husband, Zach, and I developed a plan for our finances, I thought everything was fine. We had a lot of debt, but we were able to pay the minimum payments, mostly on time. Life was good, but we lived paycheck to paycheck. I thought I was doing well handling our money, but deep down, I knew one emergency could break us.
We are a single income family, so when Zach's work slowed to a snail's pace, I got scared. I realized our good life was fragile. I was finally convinced to start budgeting. The first few months were rough. It took time to work out the kinks of budgeting, and cutting out all unnecessary spending was difficult. Soon, though, we felt like we had received a raise. I realized how much extra spending we had been doing, and without it, we found extra money in the budget that we used to pay off debt.
Now, following the budget has become second nature. We are truly in control of our money now instead of wondering where it all went. Two years later, we are living debt free and have a fully funded emergency fund. The peace I feel now is indescribable. We have a plan for our money. That plan may change with the twists and turns of life, but there is always a plan.
In the chaos of our world, I feel more in control of my life. I am secure and confident knowing I can handle whatever comes my way.
Want to know more about being in control? Click the link below to find out more about financial coaching. If you're ready, book a complimentary Discovery Session to see if it's a good fit for you.
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