Tonight's post will be short. My wife and I are simply exhausted (mentally, emotionally and physically) from working through our budget homework. We meet with our class again in a couple of days, so we had to make a final effort to push through all of the required forms. It was brutal.
We had to carve out several things from our budget in order to begin to balance. Then, we needed to refine it again and again until every potential dollar was allocated to a specific purpose. Finally, we ended up calculating the percentage of what each classification, such as housing, transportation and food equated to out of our Net Income.
Although we are right on the money in some classifications, we're in trouble in some areas (really?!?). We're in debt, and we never really thought about how "life-draining" credit cards can be. Having all of the monthly payments and balances laid out for all to see is sobering. Likewise, calculating every nickel and dime spent by quick trips to the grocery store adds up to far more than you might think. Change is tough. Thankfully, my God is bigger than our finances.
Good Night
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