In addition to the many blessings life offers, there are also a variety of obstacles. However, with those obstacles comes the opportunity to overcome them. There is no way to know what tomorrow holds, we do not have any control over that. But I heard from a friend recently, you do have control over how you react to what tomorrow holds.
With that being said, you can’t control what you might be diagnosed with in the future when it comes to health. But you can control what you do now. You can choose to eat healthy, you can choose to exercise, you can choose the lifestyle you live. The apple or the pie? Exercise or watch TV? The choices are yours.
It is the same with finances. You can choose where your money goes. Please know that we completely understand why you may have decided to purchase that car with a 10-year loan. Or why you bought that brand new dining set with a credit card. A lot of times we do not know any different. Luke and I didn’t! But in the end, nobody forced us to spend money we didn’t have. We chose to become indebted to someone. Perhaps you have to? We know that temptation! We are an instant gratification society and the credit card companies thrive on that!
Now, it’s time to choose to live within your means. It’s time to forget what everyone else is doing, and to do what’s best for you and your family. It’s time to take control of your money. It’s time to tell your money where to go. It’s time to live debt free, and stop living paycheck to paycheck. It’s time to not settle with what life is throwing at you, but rather, take control of how you handle what life is throwing at you.
I understand that everyone’s financial circumstances are different. However, no matter where you’re at, or where you come from, you now have a choice to change your future. You can choose to get prepared for life’s emergencies, life’s uncertainties, and even life’s certainties. You can choose to start fresh!
We have been building our fully funded emergency fund for a while now. But we have had to pull from it numerous times. While we are extremely grateful that we have had the knowledge to have an emergency fund we can pull from (instead of charging a credit card for emergencies) it has been taking us months to get it to where we want it to be. Finally, we chose to make it happen. Luke is choosing to work more. I am picking up some more work. We are getting that emergency fund to where it needs to be. We are choosing to put the work in to reach our goal. We’re taking control!
Believe me when I say that years ago, when we would get paid and our account would increase to -$800. When we had our water shut-off for not paying our bill. When our outgoing calls on our cell phone would go straight to the Verizon billing department because we hadn’t paid our bill. We NEVER thought we would see the day that we would be debt free… or a time when we would have the ability to build an emergency fund. It takes time, it takes work, and honestly, it is not always fun. But we have no doubt that it is completely worth it!!! It’s one step at a time. And the first step is getting on a budget. We promise, it’s not as bad as it sounds. We have actually thrived more with money than we ever have by living on a budget.