I recently registered for a financial planning course offered at my church. Though I have grown up a lot since my 20s, there’s still room for improvement. Plus, there’s a lot of instability in my industry, and I want to make sure I’m preparing myself properly for it.
Also, Albus was concerned we were spending too much money on lift tickets and not saving enough for retirement.
I think we need to talk about your mutual funds.
My parents are beyond fiscally responsible, and they could have taught me most of what I’m learning in the course, but they’re not patient people. And impatience? It runs in families… so I’m as bad as they are.
So, that’s why I’m paying Dave Ramsey to teach me the things my parents could — because his course was cheaper than the family therapist we’d need if my parents taught me this stuff. (See? I’m already being financially responsible.)
I’m learning all kinds of things I sort of already knew, but the difference is I’m actually putting them into practice willingly. And Albus has gotten into it.
He’s a financial gangster.
Obviously, I need a budget that includes a savings fund, but I need one that doesn’t make me feel too deprived either. I’m not capable of eating the same entrée night after night, but I also can’t justify wasting money by throwing away leftovers.
I’m still working out the kinks in my budget to balance quality of life in the moment with quality of life in the future, but I’m already seeing some great results from my efforts.
One way I’m working around the variety versus spending dilemma in the food category is to make dishes I can freeze. That way if I find myself running low on money in that section of the budget I have tons of options in my freezer that will satisfy my need for variety. I keep the containers small so they represent single serving sizes for a single girl like me. (Not only does freezing make financial sense, but it’s also super helpful to have meals made ahead if you work long hours and come home ravenous like I often do.)
My freezer situation.
My labeling system was inspired by my grandmother. She has a crazy enormous freezer in her basement that is filled with everything from frozen vegetable stock to pot roasts. (Don’t they all? I think that might be a requirement for being a grandmother, actually.) And everything is labeled with masking tape and a sharpie. Personally, I went the painters tape route because I like it better.
So, the freezer is one tool that keeps me on track financially. Menu planning is another. Look out for a post on that soon.
Now, if you’ll excuse me, it’s time to put on my Ravenclaw pin, grab my owl, and hit up some bars for Halloween in my Hogwarts garb.
Once I get my owl away from the candy gummies, that is….
And, yes, I have a category in my budget for barhopping….