Budget.
This is generally when people flinch and suck air through their teeth, practicaly hissing and turning away in a distasteful manner. As if to shake it off. At least that's how I reacted when Husband dropped the B word on me a few months ago. There's an undeniable stigma attached to the B word. Not only because finances are something of such a deeply personal nature that it verges on taboo to discuss, but also because the word itself almost carries a negative connotation. BUDGET. Blech.
For me, it conjured up visions of raggedy children with dirt smudged cheeks, and a doggedly tired husband who doles out an allowance to old wifey at the end of the day- you know, for toilet paper and milk and terribly boring yet necessary things of that nature. That's awful, I know. But its really what hovers in the back of my mind upon mention of the B word. Or did, rather.
But I suppose a budget is whatever you make it. And its whatever you make OF it, if you get right down to brass tacks. It's taken me a few months but Im actually making freinds with our budget. Playing nice. Almost even embracing it. In fact, now that we have "budgeted" our lives, I daresay we may never turn back! The bit I've found pleasantly surprising is the freedom in a budget. There are no guilty purchases, no chunks of money "slipping through the cracks" so to speak, with no guess as to where it wound up or what it went towards. Which,(sidetrip warning!) now that I think about it, is probably why I have grown to enjoy budgeting. If for no other reason than the organizational element! Its all there, laid out and compartmentalized. And if there's one thing that I thrive on, its being neat and tidy. Sounds pretty lame, huh? But as one of my girlfriends once told me "Ya know what?! I like the fact that your face blushes and that I could eat off of your kitchen floor!". We are who we are, yes? No sense fussing over the things that will never change.- But back to the B word. Where were we? Oh yes, the freedom! I rather enjoy it! If I know we have set aside X amount of money for groceries, bills, dining out, clothes shopping, birthday presents, etc etc etc- its a more tranquil feeling when I throw down the card or swipe it through the machine at the end of a transaction. I can swipe away with total peace of mind. Ha, in your face, budget!
At the same token, I have found it to be tricky at times. I can't lie. It was an adjustment. Husband and I sat down at the beginning of the year and set some goals. Some lofty, some smaller scale. We decided that it was time to get proactive and intentional about our finances- particularly saving. Maybe it comes with the territory when you're married to a financial advisor, but I have to say, Husband was right. We were spending money where sometimes we shouldnt. Not in a frivolous way, but more of a ...neglectful (for lack of a better word) way? We just werent always paying attention. Ok FINE. Mostly me.
And time is sort of a relentless buggar, so month after month passes without much notice and its easy not to reach our financial goals. Whatever they may be. Save. Pay off debts. Buy a home. Put away for the kids. Save more. LOL.My list could be a mile long. There never seems to be a shortage of uses for money, right? Just a shortage OF it sometimes.
As I said, it has been an adjustment, but surprisingly, not a hard one. I have actually gotten much more cost-effective in my grocery shopping. I FINALLY starting making some sort of a meal plan for the week before I went to the grocery store, which I never used to do. I'd just mosey along the aisles and, with a basic knowledge of my usual necessities, I'd pretty much grab whatever struck my fancy. This usually resulted in a pantry stocked with 27 cans of olives (not that you can ever have too many black olives if you ask me though), 10 jars of marinara, innumerable amounts of chicken broth and white wine for cooking, enough pasta in every shape to feed a small army, and an odd assortment of ethnic foods "just in case Im in the mood for thai". Yet somehow if I was looking for garbanzo beans or chili paste or something more specific I never seemed to have it. Being armed with a plan has not only cleaned up my pantry, but taken the panic out of the daily decision of what to make for dinner.
Like I said, a budget really is whatever you make it. Its personalized. Every family has different needs, goals, and spending habits. Our has been a little different each month because of holidays, moves, trips, and the like. We still eat out and shop(although not as much as I used to) and go to the movies and do fun stuff with the kids. We have made small sacrifices (i.e. gym membership. Awe, shucks!) and changed some habits, but we have also lived life normally and still had fun and not felt deprived or stifled by our budget. More importantly, we have made strides in meeting our goals. We have saved! Next stop, dream house? How's that for lofty? :)
Cheers to the B word.
Friday, April 29, 2011
Monday, April 25, 2011
For Realsies
Well, there's nothing like a little incentive to get a lady dragging her butt out of bed at the ungodly hour of 5:45 am to sweat and pseudo-curse her way through another one of Tony Horton's stupid dumb P90X workouts. And by "stupid dumb" I mean "effective and necessary". It works. It does work. But oh, I hate it. I REALLY hate it the first week. By week 3 I've usually found my stride and actually look forward to my workouts as a little golden nugget of alone time. Ah, the life of a mom, yes? Always mutlitasking. As if its not a complete oxymoron to count the 1.25 hours I spend leaving blood, sweat, and tears on my living room floor (ok fine, not blood) as my sacred "peace and quiet" time as well, then I dont know what is.
But its the way it goes. I have tried doing the workouts at different points in the day, all to no avail. Both of my children find it much too fascinating to watch me crucify myself trying to keep up with these...these FREAKS OF NATURE on the dvd's, to mind their own business. Bigger One tries to do it with me (and corrects my form more than I'd prefer) while Littler One sits on me or throws his football at my face while I try to do sit ups. They are all innocence and good intentions, but needless to say, there are a lot of distractions and not a lot of floor space. So that leaves me with naptime. The only problem there, is that Bigger One's naps have gotten shorter and shorter and are nigh on extinction these days. Im trying to milk one more year out of naptime. Plus I like to grab that 30-45 minutes to read a little of my favorite book (Outlander series, since you ask. Read it. Do it. Think danger+history+love+war+sex+ suspence+ James Fraser. Nuff said) Ah, but I digress. Oh yes. Or I use that time to start cooking dinner, or to pick up, or to just sit in a quiet room all by myself. Which is lovely to do every once in a while.
So there have been bumps in the road. I have missed workouts, or abandoned workouts halfway through because there is just too much going on in the house. I have been sick again and missed two whole weeks altogether.I have been stressed. And to add insult to injury, I tend to gain weight when I am stressed out. I have eaten a lot of....well...everything. I am a person to loves good food. I love to cook it and I love to eat it. I am the type who works out to eat. Its not the sort of thing you're supposed to admit, but its true. If I work out, I can ALMOST eat whatever I want. Within reason. If I dont work out, well...there's always that trusty old 5-7 (or in this case more) pounds that likes to take up residence on my hindquarters.
Its time to call a spade, a spade. I let the ball drop. Blurg. I've been half-assing my workouts and making bad food choices- a combo I can no longer get away with. So this morning I decided it was time to scare myself straight on the scale. I stepped on (always before breakfast and naked, mind. As if that really helps), and gingerly opened one eye with trepidation to look down at the number. And then I jumped off of it like it was covered in burning coals. Step back on. Try again. Its that same obnoxious number. "WHAT THE WHAT?! How did this happen so fast?" Its bad, people. Its real bad. Its worse than I thought. I have gained a whopping ten pounds. This sucks. All the nice people in the world will say that muscle weighs more than fat and working out could account for that. I say- hogwash. I know its not all muscle. Its not ten pounds of new, sinewy, lean muscle. Its maybe 4 pounds of muscle (if Im being generous. And I am.) and 6 pounds of fat. That's like a sack of potatoes! The number on the scale this morning (of which we will never speak of) was a proverbial smack in the face. A wake up call. Consider me scared straight.
I dont even normally write about this kind of stuff because I generally subscribe to the idea that most people dont really care, and even if they do, they maybe dont want to hear about it- it tends to sound obnoxious. And I DEFINITELY dont know why I only write about it when Im sucking at it. But for the sake of comraderie, the intent of getting back on track, and in the hopes of a little encouragement, Im calling myself out on the carpet. Literally.
I mentioned incentive earlier. I do have that! In four months, I will be relaxing on the beach in the Bahamas with Husband, and I want to FEEL GOOD. Not chubby. So if it means I have to stock up on things like quinoa, fruit & veggies, egg whites, those silly little paper thin sandwich "rolls" (Pshaw! Rolls. Hardly.) and enough salad to choke a horse, so be it. If I have to take it easy on the pasta for a month or two I could maybe even agree to that. I could EVEN workout early in the morning or late at night. Because its worth it to feel fit. As I've said before (here), it just does something for your mojo. I know what it feels like to be happy and comfortable in my own skin, and I know what it feels like to be pitifully off my game. I much prefer happy and comfortable. So Im not going to make any outlandish proclamations about losing all ten pounds in five minutes. Im not going to cut corners. Im just going to get right back on track. And Im really going to try to stay positive and not assume its a drag to eat healthy. So if any of you have any fabulous healthy recipes, do share. Here goes. For realsies.
But its the way it goes. I have tried doing the workouts at different points in the day, all to no avail. Both of my children find it much too fascinating to watch me crucify myself trying to keep up with these...these FREAKS OF NATURE on the dvd's, to mind their own business. Bigger One tries to do it with me (and corrects my form more than I'd prefer) while Littler One sits on me or throws his football at my face while I try to do sit ups. They are all innocence and good intentions, but needless to say, there are a lot of distractions and not a lot of floor space. So that leaves me with naptime. The only problem there, is that Bigger One's naps have gotten shorter and shorter and are nigh on extinction these days. Im trying to milk one more year out of naptime. Plus I like to grab that 30-45 minutes to read a little of my favorite book (Outlander series, since you ask. Read it. Do it. Think danger+history+love+war+sex+ suspence+ James Fraser. Nuff said) Ah, but I digress. Oh yes. Or I use that time to start cooking dinner, or to pick up, or to just sit in a quiet room all by myself. Which is lovely to do every once in a while.
So there have been bumps in the road. I have missed workouts, or abandoned workouts halfway through because there is just too much going on in the house. I have been sick again and missed two whole weeks altogether.I have been stressed. And to add insult to injury, I tend to gain weight when I am stressed out. I have eaten a lot of....well...everything. I am a person to loves good food. I love to cook it and I love to eat it. I am the type who works out to eat. Its not the sort of thing you're supposed to admit, but its true. If I work out, I can ALMOST eat whatever I want. Within reason. If I dont work out, well...there's always that trusty old 5-7 (or in this case more) pounds that likes to take up residence on my hindquarters.
Its time to call a spade, a spade. I let the ball drop. Blurg. I've been half-assing my workouts and making bad food choices- a combo I can no longer get away with. So this morning I decided it was time to scare myself straight on the scale. I stepped on (always before breakfast and naked, mind. As if that really helps), and gingerly opened one eye with trepidation to look down at the number. And then I jumped off of it like it was covered in burning coals. Step back on. Try again. Its that same obnoxious number. "WHAT THE WHAT?! How did this happen so fast?" Its bad, people. Its real bad. Its worse than I thought. I have gained a whopping ten pounds. This sucks. All the nice people in the world will say that muscle weighs more than fat and working out could account for that. I say- hogwash. I know its not all muscle. Its not ten pounds of new, sinewy, lean muscle. Its maybe 4 pounds of muscle (if Im being generous. And I am.) and 6 pounds of fat. That's like a sack of potatoes! The number on the scale this morning (of which we will never speak of) was a proverbial smack in the face. A wake up call. Consider me scared straight.
I dont even normally write about this kind of stuff because I generally subscribe to the idea that most people dont really care, and even if they do, they maybe dont want to hear about it- it tends to sound obnoxious. And I DEFINITELY dont know why I only write about it when Im sucking at it. But for the sake of comraderie, the intent of getting back on track, and in the hopes of a little encouragement, Im calling myself out on the carpet. Literally.
I mentioned incentive earlier. I do have that! In four months, I will be relaxing on the beach in the Bahamas with Husband, and I want to FEEL GOOD. Not chubby. So if it means I have to stock up on things like quinoa, fruit & veggies, egg whites, those silly little paper thin sandwich "rolls" (Pshaw! Rolls. Hardly.) and enough salad to choke a horse, so be it. If I have to take it easy on the pasta for a month or two I could maybe even agree to that. I could EVEN workout early in the morning or late at night. Because its worth it to feel fit. As I've said before (here), it just does something for your mojo. I know what it feels like to be happy and comfortable in my own skin, and I know what it feels like to be pitifully off my game. I much prefer happy and comfortable. So Im not going to make any outlandish proclamations about losing all ten pounds in five minutes. Im not going to cut corners. Im just going to get right back on track. And Im really going to try to stay positive and not assume its a drag to eat healthy. So if any of you have any fabulous healthy recipes, do share. Here goes. For realsies.
Friday, April 15, 2011
Ahh Yeeeah
If my life were a movie, this would be the part where the music reaches a crescendo, accompanied by a joyous slow-mo reel. Naturally, there's a flash mob as well, along with confetti and a small marching band playing Journey's 'Dont Stop Believing'. (Dontcha just love Journey?!)
We got it! We got our trip! Cliffhanger, Shmiffhanger. In the end, justice was served up on a platter, and under the silver lid was two tickets to the Bahamas. Me likey. For a second I was bummed that we were not able to sign up in time for any of the Europe trips. They filled up first, naturally. But then I realized that not knowing which vacation to choose is a luxury problem and that it's totally bratty to be anything less than thrilled. Which I genuinely am. We get to go to Paradise Island, Bahamas! An all expense paid, child-free- anniversary trip to the Bahamas! How rad is THAT? "Paradise Island" sounds like it will suit me quite nicely.
We just nailed it down today and Im still semi- beside myself. We just dont DO this kind of thing normally. Other than the last trip we earned last year, Husband and I hadnt been a proper vacation since our honeymoon 8 years ago. And while it gives me a stomach ache to leave my kids for a whole week, it was absolutely blissful. It was one of those things where you dont know how badly you need to relax until you actually do fully relax. I THOUGHT I was relaxed on the first day. But then by the second day I quit tensing every time I heard a kid whining or needing something because I remembered that it wasnt MY kid. Then by the third day I started laughing and really enjoying myself. And somewhere around the 4th day Husband and I remembered that THIS was what it feels like to really connect and enjoy each other's company with no distractions.
Maybe this time it wont take me 3 whole days to decompress. Im still new to this vacation business, after all. August is still a few months away but that's okay. Its good to have something to look forward to. Now about dusting off my bikinis....Blurg. Not ready for that yet. Have you seen those commercials for the pajama jeans? (Im laughing really hard right now, please tell me you all have seen that commercial?) Maybe they make bikini jeans. LOL. Nah, bad plan. I have two words for how I would look in that contraption: STUFFED SAUSAGE. Maybe a few more months is a good thing...
We got it! We got our trip! Cliffhanger, Shmiffhanger. In the end, justice was served up on a platter, and under the silver lid was two tickets to the Bahamas. Me likey. For a second I was bummed that we were not able to sign up in time for any of the Europe trips. They filled up first, naturally. But then I realized that not knowing which vacation to choose is a luxury problem and that it's totally bratty to be anything less than thrilled. Which I genuinely am. We get to go to Paradise Island, Bahamas! An all expense paid, child-free- anniversary trip to the Bahamas! How rad is THAT? "Paradise Island" sounds like it will suit me quite nicely.
We just nailed it down today and Im still semi- beside myself. We just dont DO this kind of thing normally. Other than the last trip we earned last year, Husband and I hadnt been a proper vacation since our honeymoon 8 years ago. And while it gives me a stomach ache to leave my kids for a whole week, it was absolutely blissful. It was one of those things where you dont know how badly you need to relax until you actually do fully relax. I THOUGHT I was relaxed on the first day. But then by the second day I quit tensing every time I heard a kid whining or needing something because I remembered that it wasnt MY kid. Then by the third day I started laughing and really enjoying myself. And somewhere around the 4th day Husband and I remembered that THIS was what it feels like to really connect and enjoy each other's company with no distractions.
Maybe this time it wont take me 3 whole days to decompress. Im still new to this vacation business, after all. August is still a few months away but that's okay. Its good to have something to look forward to. Now about dusting off my bikinis....Blurg. Not ready for that yet. Have you seen those commercials for the pajama jeans? (Im laughing really hard right now, please tell me you all have seen that commercial?) Maybe they make bikini jeans. LOL. Nah, bad plan. I have two words for how I would look in that contraption: STUFFED SAUSAGE. Maybe a few more months is a good thing...
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