Monday, February 25, 2008

Money Matters

Money matters - period. It’s easy to pretend that it doesn’t. It’s so easy to ignore how much interest you pay on your credit cards; or, how long it’s going to take to pay them off. It’s so easy to spend more than five bucks a day on that mocha latte you’ve got to have; or on McDonald's for the kids when you’re running late. And, spare change? Do you really keep up with your change; or does it disappear – like mine - into the depths of your purse?

For most of us, money is a hard thing to master, but it must be done. Last week I was all hyped up about practicing better money habits and becoming a money maven. One week later, I’m still fired up and have decided to put my money where my mouth is – no pun intended. It’s so easy to talk about making changes, but hard to do. After reading Dave Ramsey’s book, The Total Money Makeover, I am inspired to make some things happen. What’s even better, husband is, too! When you’re in a marriage, it’s crucial that both partners be on the same page. Especially with money! You can’t focus on paying off debt if Husband is out there running it up.

One of the things that Dave Ramsey suggests is taking baby steps. Starting small so you can feel the reward. Does money matter to you? Are you doing everything that you can to make sure it works and grows for you? Start small. Get yourself a jar and fill it with your change. Cut back on the daily cups of latte and trips through the drive-thru. If you’re feeling daring, you can brew Starbuck’s at home; or, really get wild and cook for your kids! Gasp!

Take a minute to think about your money – or lack of – and how much it matters to you.

Cha-ching & Smiles,