Wednesday, June 20, 2012

Following our own Road

After I posted yesterday about cleaning the file cabinet and the years of papers I came across I started thinking about our financial road in life.  There have definitely been times of lean and times of plenty in our lives and we all have times when we wish we had more.  When we were younger we were always so happy to have enough for what we needed.  Occasionally we had enough for wants as well and that always felt good.  It was unplanned but was welcomed.  As I looked over financial statements while shredding I wished that when we  were younger we had been more diligent in our finances.  I stack it up to immaturity, even so it's a shame that those lesson's weren't learned sooner so that saving money had been a bigger priority  all along.  I am thankful that we are on the right road now instead of living our whole lives never realizing there was a different way.  Now instead of being pleasantly surprised at times of plenty we save our money and plan for the things we want not making random purchases just because we have the money.  We use and implement a budget.  That is a far cry from our younger years.  I could see while reading our paperwork how smoothly our finances went when we were just learning to start saving and how unsteady they were when we slipped out of our healthy habit of watching our budget and sticking to it.

 Now  years later I feel so much more confident and relaxed knowing that we have chosen where we are going and taken control over our financial destination instead of leaving it to chance.  As we have matured we have realized that the small sacrifice of doing without something that is a want now, is nothing compared to going without a true need or having the funds for a need down the road.  Worrying about how to pay for something unexpected is behind us and laying awake wondering how to pay for that cost is also a thing of the past.  Living within our means even if it is far  more conservative than most is the road we have chosen and are comfortable with.  This road is far less popular and even sneered at by some but will get us where we are going and when we arrive at our destination we will have enjoyed the ride.  This road of living for our goal of being debt free uses as a couple team work, determination, creativity, and will have a return unparalleled to owing on all that we own.  I do not regret the road that we have chosen and only look forward to what is ahead.

Life is what we choose enjoy your journey and thank you so much for reading and your comments.  I sincerely enjoy reading the blogs of those that have joined here.  Thank you!


Don't unplug your hub. said...

Hallo. I have just stopped by from 'down to earth' blog.
I am 65 in a few weeks time and I still haven't learned how to budget properly!
I hope you have a nice weekend.

prairieharmony said...

Hello and thank you for stopping by and leaving a comment I am so glad you are here. Don't despair about budgeting it is something that is easy to pick up right where you are. I haven't yet touched on the how to of budgeting but might at some point soon. I am certain that Rhonda @ DTE has many many wonderful post's on budgeting if that would help you immediately. Have a wonderful day :)

Busy mum of 3 said...

Hello, I just popped over from Rhonda's blog, I wish she would stop recommending so many good blogs, I'll be doing nothing but reading them all day!

I like the feel and content of your blog, even though I've only had time for a quick browse, think I'll pop by more often :)

prairieharmony said...

Thank you Busy Mum for your compliments and for reading I appreciate you stopping by and look forward to hearing from you again :)

Carrie P. said...

I am rooting for you. We are doing the same thing and wished that we would have been smarter when we were younger. We are really trying to get our house paid off this year. Good luck to you.

Lissie said...

Hi, I just found your blog through the down to earth blog and I love it. This post is something I recognize. My husband and I have had those same financial problems in the past and are now living from one income, but we cope and can safe now and then too.
We are much happier than we were before ; )
Have a great weekend.

Anonymous said...

This is a great post. Thank you for sharing.
I agree, nothing will beat the feeling of being debt free. Such liberation! I've found that saving for 'wants' such as a new car can actually be fun and exciting. I'm enjoying the research and anticipation, even though the purchase is 2 years away, when our house is paid off and we can buy the car with cash.

I found your site via Down to Earth and look forward to passing by again.

Best wishes, Katie

prairieharmony said...

Hello Carrie P., Lissie, and Katie I am so thankful that you are here and you have enjoyed this post. Best wishes to you as well as we each travel this path. It is not the most popular, but I find it the most rewarding :) Wishing you a wonderful weekend as well.