The one thing in this world that really saddens me as how so many people have bought into the lie that we all need the fancy house and the fancy car, that we all need to work every hour we can, that we need to get big mortgages, finance options and loans so we can have everything we are told we should want.
The simple way to afford everything and not work yourself in to the ground is to buy everything you want. Yes that might sound strange but I am not kidding. If you don’t take out loans, finance, credit or leases, you never owe anybody anything and never have to worry about working to pay them off. When me and my wife want something we first make sure that we do want it and discuss why we want it, we then try and find it for the best price and then we pay for it up front which sometimes means saving up. Paying for everything up front also makes everything much cheaper.
Managing your finances
At the beginning of every month we look at the money coming in and then do our budget. We budget for all the expenses of the month and then with any leftover we decide what we want to do with it. This means we don’t go in to debt and we always know what we want and what we can afford, we never say “we are not sure if we can afford that or not.” Trying to raise the money you have coming in can be hard and out of your control but the money you spend is completely in your control and it is very easy to cut your bills. This month alone my wife and I were able to save hundreds by simply cancelling contracts, renegotiating contracts and changing providers.
Being a parent now myself I am seeing other parents being forced back to work to keep up with payments and the lifestyle they lead. I see so many children being looked after by grandparents now during the week as both parents are back at work full time before their child is even one. It seems to be a declining trend now in stay-at-home parents but I am so thankful that my wife is a stay-at-home mum. It was so important to us for our child to have one parent at home as we truly believe this is the best investment we can make in our child.
What really matters
Our child doesn’t care what house we live in, our child doesn’t care if her clothes are hand-me-downs, our child cares about our hugs, our smiles and our time. Time with our child is worth more than any amount of money to us or any possession we could buy.
Don’t let society and media tell you what you have to have or implant in your brain that you want something. Get what you truly want out of life, if you truly want to be at home to raise a family you will find a way to make it happen, it is never too late to make that change.