Midnight Financial Musings

I can't sleep.  And what does JC do when he can't sleep?  He heads over to The Christian Dollar to read through the archives.  Lo and behold he stumbles upon this article about spending the previous month's income for the next month. This starts him thinking about budgeting and how it's working.

A little over a month and a half ago, I posted about our first budget, and how we were taking each dollar and giving it a name and purpose.  We started out budgeting from what we had from August's income.  Then, the next month, we budgeted from September's income.  Now, looking at the budget for November, we are going to be using October's income.  Make's sense, right?

I think one of the reasons that this system is working for us, is that I like to see things in concrete terms.  I like knowing that I have so many apples, so many bananas, and so many dollars.  That allows me to parcel out my budget, knowing that I have exactly this amount of money for this amount of expenses.  What's funny about this is that not too long ago I was very undisciplined with my money.  I had a vague idea of where it was going and what it needed to do, but I would impulse buy and that occasionally had me skating along a cliff.

Now that Brianna and I are married, the accountability and the goals we have set makes it a lot easier to keep to a budget.  Plus I also have a renewed sense of stewardship.  The money we have is not our own and I want to treat this gift with the diligence it deserves.

And part of that is spending last month's income in this month's budget.

How do you set up your budget?  How do you look at your money?  Is it concrete or vague?

Inspiration

A friend of mine shared this news story on Facebook.

From the article: "A devoted Iowa couple married for 72 years died holding hands in the hospital last week, exactly one hour apart.
The passing reflected the nature of their marriage, where, "As a rule, everything was done together," said the couple's daughter Donna Sheets, 71."

Married 72 years and they die together

I have been thinking a lot about longevity in my marriage lately.  That's why we talked about our foundation and what we're trying to do in order to build a strong and lasting marriage.  Then I read about this couple and how they lasted and how they did everything together.  It inspires me. 

So what causes a marriage to last?  From reading this article, a lot of it is being together and truly going through life as one, as a unit.  It means making decisions together, talking about everything, and being honest. 

I want to look back at 90 years of age and see my life with Brianna stretch out behind me.  I want to look and see my bride beside me and know that I absolutely love her and spent a good life together with her.

What about you?  Do you know anyone who has had a long and happy marriage?  What have you learned from them?  Care to tell us about it?

Thanksgiving - in October?

One of the new things this American has to get used to in the land of the Canuck is Thanksgiving in October on a Monday! *insert confused look*

Brianna and I are hosting Thanksgiving, so we have the turkey roasting, the taters started, and the feast well in hand.  The smells are wafting through our basement apartment and are making me hungry!  The weather is slightly crisp and we went for a quick walk.  It has definitely set the mood and drawn me to thinking about what I'm thankful for.

1. I have to be thankful for my walk with God first and foremost!  I've been walking closer and closer with Him through the last few months and am amazed at who He is and the way He works in my life!  We have been seeing His provision and His promises come through in our lives!
2. The second is my wife! Never would have imagined the way she makes me feel!  She's such a blessing to me and makes me feel like a man!  *grins*  Her smiles, her voice, and the looks she gives me, make me realize what a treasure I have.  
3. Having a good extended family.  I am very thankful for my wife's family and the relationship I now have with them.  Looking so forward to many, many, many years of fun and laughter.
4. The church family we're in.  They have embraced me as Brianna's husband and I have become good friends and a part of this church!  I love you all!
5. And the simple things:  a roof over my head; running vehicles; food and water; cothes.  All these things we take for granted - I find myself being extremely grateful for.

How about you?  What are the things you are thankful for?

A few things I have learned in Marriage

Our two month anniversary is quickly approaching and so I thought I'd sit down and talk a bit about things I have learned about marriage in this short time.

• The first is the "yes, dear."  This is the best answer for pretty much any request.  "Put the toilet seat cover down!"  "Yes, dear."  "Vacuum the crumbs up!"  "Yes, dear."  Yeah, you get the picture.  *grins*
• In actuality, being willing to help Brianna out has kept our relationship open.  She feels secure when she knows that I can help her out around the house.  Take last night for instance:  We were getting ready for people to come over and I looked up at the clock and saw that it was getting close.  I shut the laptop down and started putting away dishes, clearing the tables, and various other tidying things.  She later thanked me for my help.  Made me feel like a million bucks to be able to serve my wife that way.
• Listening.  Yes, the thing that guys have difficulty with.  I have to be willing to set my book aside or my laptop, or whatever I'm working on, to listen to my wife's concerns and even just listen to what she has done in the day.  I have been intentional to greet her with a kiss and listen to the overview of the day.  This has set the tone for the rest of the evening and is a good way to acknowledge her place in my life.
• Talking.  Yep, I do talk to my wife.  I tell her about my day, about my dreams, about what God is doing in me and just about life in general.  
• Praying.  One of my favorite things is when we've settled down in bed and are just about ready to sleep.  We make a point to lie the events of the day before God.  We pray for people, we pray for needs, and we pray for our needs and marriage.  It is the best thing we have done and we intend on doing it for the rest of our lives!

Life has changed and I have had to learn to purposefully change the way I look at things.  I have to think about Brianna, before I think about myself.  This has been the best challenge I have ever had and it is a wonderful growing experience!  Yes, the marriage has barely started, but I know that I am married to the best woman that I will ever know!  The years ahead are going to be a challenge, but I know that as long as we base our marriage in God and spend the time necessary to feed and water it, that we will grow roots and branches that are strong and mighty!

How about you?  What have you learned in your marriage?  What has challenged you?