Does your pulse start to race a bit higher when the word ‘finances’ is brought up in a conversation?
Personally, I HATE spreadsheets. So the thought of creating a budget makes my skin crawl a little bit. Thankfully, my husband is better in this department than I am, but at the end of the day – it’s a team effort in marriage.
Love it or hate it – saving, budgeting, and investing are a large part of life as responsibilities continue to pile up.
401k?! Roth?! Is there such thing as good debt?
What if I love to shop? Should I merge bank accounts with my husband?
If these questions have ever come to your mind, or even if you’re over there not sure what half of those terms mean – you’re in the right place, sister.
I decided to bring on #1 NYT Best Seller author, podcaster, and money expert, Rachel Cruze, to set it all straight and let us in on her best, healthy money mindset and practices.
Being brought up in a household where finances were openly chatted about (spoiler alert: Rachel is Dave Ramsey’s daughter), Rachel knows a thing a two about money management – so be ready to jot down a lotttt of notes.
In this episode you’ll learn practical ways to start saving your cashola right this minute, when exactly is the right time to begin saving for retirement (it’s more interesting than it sounds), and how to balance all of this with one of Rachel’s favorite activities: shopping.
What I love about Rachel’s approach with saving money and paying off debt is that she doesn’t just keep it straight factual – she also touches on the emotional and spiritual impact of money. So if you’ve felt the emotional weight of debt or spiritual effect of over-spending, you have a safe space here, sister.
Be sure to listen to the end where we chat about Rachel’s perspective on merging bank accounts with your spouse and her best, app recommendations to help you with that saving.
Money freedom is waiting for you, gal. It’s time to begin your healthy relationship with your finances.
This past weekend we spent some great quality time together…reading for hours at the local coffee shop, a pumpkin patch run, and more. And today, as I meandered around the grocery store, I started reminiscing on this time of year when we first got married.
The summer before, I started a photography business. Partially because I’m the poster child of trying stuff that interests me but also because of fear. I knew he could be released from the Steelers by the time we got married and I wanted something stable but flexible to help bridge the gap.
By the time we got married, he had been released and I wasn’t making a consistent full time income from all my business endeavors yet. After the wedding, reality hit me and I panicked. How are we gonna pay bills?
It wasn’t the easiest foot to start marriage off on. I would have preferred to know we had a nice little nest egg or at least one of us had a stable job.
So I booked photo shoots to do for other people DURING our honeymoon. During that precious first week of marriage, I worked. I let fear of not having enough consume my mind and interrupt our first week together.
If I could go back to worried pre-married me hustling her butt off, or any other girl in a season similar to that, I’d tell her a couple things:
1. You go girl. Work hard and make your mark on the world. Just don’t lose your heart or stop trusting that God will provide along the way.
2. Never ever let money be the reason you don’t get married. Too many people wait to commit til they feel all their ducks are in a row…and miss out on the joy of the journey and the struggle together.
3. Never let money be the reason you neglect stewarding your current season, either. Never let the pressure to hustle steal you from being present in the place you’re in — even when it’s new and a little uncomfortable.
As a driven girl that believes in empowering other girls, I’m cheering your efforts on. I applaud you when you choose to show up and serve and do what you’ve gotta do to survive. However, I also want to be the friend that takes your hand and reminds you: It’ll all work out. You’ve just gotta be here now and believe that.