Money in general was not a fun word during the first few years of our marriage! (It still CAN be a stressful subject!) We were both in college full time and working part time, bringing home a grand total of $13,000 in a year! We look back and wonder how we made it, knowing that God truly was taking care of us each and every day! I remember checking our account balance before we would run to the grocery store to see what money we had left for food that week. The thought of a budget sounded restricting to both Matt and I, until we realized that we were bring restricted by the lack of budget in our house! We didn’t know where our money was going each month and didn’t really know if it was ever okay to spend even a little money to get coffee, grab dinner out or go to a movie! (All things that seemed to happen even if we didn’t plan for them :) )
We took a budgeting class at our church together 2 years after we were married and it was so FREEING! We actually could know what money we had to spend, what bills we could afford and plan for things each month/year! We used a worksheet like this one to figure out what we were spending, and how we should/could adjust it. Even though our budget has grown and shrunk over the past 7 years, we can plan for how much money is coming in each month and where we would like to see it go.
For me as a the stay-at-home wife and mother, I find that I need to have a really good perspective about how the budget is doing! Somehow I end up doing most of the spending of our money (ah!), which Matt has trusted me with (ah! again), but I want to be a good steward of what we have, especially since I’m not specifically the one earning it! I find that keeping up to date with what money we have and what money we have spent each week helps me to have a much better outlook on not only our budget, but on God’s provision for us.
Have fun budgeting!