Not changing our lives, but redirecting our focus
This past week we met up with our coach, Aidan. We reviewed so many things that we have been working on: how we allocated Jeff’s paychecks through the end of the year, how we set up additional savings accounts (for our credit card charges, life and auto insurances) and how we finalized our budget. Jeff and I feel incredibly confident that we have the train on the right track. We felt that this month would sort of “run on its own” but realized we still had some “tweaking” to do.
Aidan asked us a really interesting question that had us think. “Do you feel that you have had to make any life changes with Project Money?” Jeff and I sort of looked at each other and thought “Hmmm?” We don’t feel that we have had to really change all that much, but what this program has done for us is really opened our eyes and made us aware of how and where we spend our money. Summit Credit Union has us using Summit's Climbr which is an online tool that shows just how much of your budget you have spent on a daily basis…it is right there in your face. In the past, if we felt like we wanted to go out for dinner, we would and we never thought anything about it. When we realized just how much we had been spending on dining out, we were shocked! Now, of course, we are more aware of the budget we want to adhere to. We actually made it to July 20th before we had a “dining out” expense…and that was to get an ice cream cone on the way home from a picnic. And we were OKAY with that.
Don’t get me wrong, we still do things that bring each of us joy. Jeff continues to shoot on a skeet league team weekly and I get my manicures. The county and state fairs are happening all around us and we want to go to them as well, so we will only do so if our budget allows us. Is our budget an inconvenience? No, not really, because we have a goal set to have our loan paid off by the end of 2022 and that, friends, is making us try that much harder. Being debt-free carries more weight than that dinner out.
We are certainly happy with how far we have come in this short time and are always high-fiving every time we leave our meetings with Aidan. We are so glad to be a part of Project Money and can only imagine what these next months will bring us…definitely more high-fives!