Have you heard Dave Ramsey’s theory that there is usually a “nerd” and a “free spirit” in a couple when it comes to finances? I usually cringe with those kind of labels, because very rarely do I think we as people are so clear cut…is that a “free spirit” kind of statement? When it comes to budgeting, are you a Free Spirit or a Nerd?
Free Spirit + Free Spirit = No Budget
My husband and I both lean towards the “free spirit” side of things, which is probably why it’s taken us 17 years to finally set up a budget. I mentioned why we’re even more determined than ever to actually stick to our budget here. Because of this additional challenge, I’ve put on my “nerd” cap and am determined to stick to this zero based budgeting idea.Are you a free spirit or a nerd? #budget #FPU Click To Tweet
The interesting thing about budgeting as a couple is trying to keep everyone involved. My kids are feeling the effects of staying within our budget and so learning how to communicate with them as well as my husband is something I’ll be working on. My tendency is to set up the budget, faithfully enter the expenses, but not communicate about why we’re budgeting or the categories and how much we have left in each category.
My husband’s tendency would be to let me handle it and stay uninvolved. We still have not had our first budget meeting, but that’s in the works for this weekend (did you hear that, honey?).
Dave Ramsey suggests these 3 rules for a budget meeting:
Rules for the nerd:
- Take input
- Keep it brief
Rules for the free spirit:
- Show up
- Give input
- Be realistic
Staying Within Budget
In order to stay on budget for groceries in this first month, I’ve been meal planning from our pantry this last week. It’s surprising how creative and resourceful one can be when put to the test. We did end up going to the store and getting a few basics that we needed, so we went over our grocery budget but still within the overall monthly budget.
I’m loving the free EveryDollar App that makes it so easy to take a little money from one category and add it to another. For example, one of our utility bills was above what I allocated, but another was under the amount I allocated. I adjusted the budgeted amounts and was still within budget for the monthly income coming in for January.
I’m finding that with this way of budgeting, there is still freedom, but within boundaries. My inner nerd is actually enjoying this challenge!Discovering freedom within the boundaries of a #zerobasedbudget. #budget Click To Tweet
Are you a “nerd”, “free spirit” or somewhere in between?
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