The cycle never ends. Money comes in and it immediately goes out. It’s very rare that there is anything extra leftover after playing bill roulette. Over the years our financial situation has been through various changes. Heck, it is still going through changes. Some months are better than others. Especially when you are in a one-income household. Being a one-income household is definitely not what The Husband and I planned. But that is basically our current situation. I actually feel so guilty when we just barely make bills or can’t do something because we have no extra money. It is a feeling that I simply can’t explain. It places a lot of stress on not just me, but our whole family. Who knew that your finances could have this much of an impact on your life? It is heartbreaking. In fact, there have even been times when I have thought about taking out personal loans, with the help of somewhere like SoFi (find out here for more information) to give us a helping hand and to ensure we can make ends meet. Whilst this is something I never dreamed about doing, I feel like we might not have any choice, especially since it’s our finances in question.
I think I have mentioned from time to time how I have had struggles finding a job. So of course the guilt from not being able to find employment is huge and I know that it is stressful for The Husband. We are just dealing with the situation that we are handed. But just barely making it is just frustrating.Life as a family of four is difficult. Nishe’ is getting closer and closer to graduating and Tyler isn’t far behind. Not only that we all need things. Plus we are constantly trying to dig our way out of debt. It just seems like it is never-ending. You get tired of seeing that perfect outfit and not being able to get it because you don’t have the money or you have to save for a bill. The Husband and I are realizing we need to make some changes and fast. We have decided we are tired of just making it and want to be able to do the things that we love to do, want to do, and need to do. It’s time to set a budget. I mean we have had one before but it always changes because things pop up. But my ultimate goal is to have us be financially stable within at least five years. When you think of all the changes we have coming up it seems so overwhelming. You never really think about how expensive it is to raise a family until you have the family. Well, at least I didn’t. I know things can be difficult. They say you are never financially ready to have kids but there are ways that you can be prepared. There are things that I wish we would’ve done even after we had kids. Things like
- Start a savings account sooner.
- Budgeted better
- Have an emergency fund.
- Start a college fund for our kids.
It’s not too late to start but definitely would’ve been better to have started sooner. That way instead of barely making it we would be in a much better position than we are now. We are going to teach our kids better. Hopefully, they will learn from our mistakes and seeing us make the changes that we plan to make. We no longer want to pay the bill roulette.
How do you feel about your financial situation? Do you think you planned well? Do you think it could use some improvements?