On spending money…

So it’s tax time. Time to sit down with those W-2s, scour through your piles of saved receipts, and look for ways to keep Uncle Sam’s hands off more of your hard earned money. Ugh.

I’m going to make a statement here that is going to sound like bragging. I apologize for that. I have worked only part time since my son Ben was born 11 years ago, so my salary has always been a supplement to my husband’s which provides a retirement package and very reasonably priced health insurance. So imagine my surprise when I got my W-2 this year and realized that I made more this past year than I have since that first year after I graduated from nursing school 14 years ago.

Here’s the worst part. I. Don’t. Know. Where. It. Went. I mean, I KNOW where it went. I’m a faithful Quicken user and have been since I was 18 and got my first Compaq computer for college. I can print out a report that tells me exactly where my money has gone.

BUT, seriously! Where did it all go? Intellectually speaking I know how to budget. I know how to plan for meals (and I do), but even after a year of listening to Dave Ramsey give the same advice to 3 hours’ worth of call-in guests, I still have not managed to get a hold on my (and my family’s) spending.

I suppose, when it comes down to it, daily prayer, consistent exercising, letting go of that second helping, and getting off of the couch are all part of the budgeting problem. They are all symptoms of a lack of discipline in our (okay my) lives.

And lumping all those other problems in with the daily prayer is kind of ridiculous, cause we all (okay I) know that prayer is the place to start. Beginning the day by asking the Lord to help us in ALL areas of our (okay my) lives is the best way to get MY spending habits under control.

I’ll let you know how that works out, especially heading into Lent.

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