The B Word

     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.