Love Doesn’t Buy the Groceries

I heard my friend say that line the other day, “Love doesn’t buy the groceries.” She was saying how she used to not be concerned about money in college. She was just going to live on love, but then she realized how important money was to run her household.

Then I received Tsh Oxenreider’s (from Simple Mom) new book Organized Simplicity in the mail. (It’s great, I’ll tell you about it soon.) There’s a part in the book where Tsh talks about coming out of college with a chain of student loans, having a strong work ethic but few money management skills. She had never put much thought into saving money until she realized she wanted to make a change.

She wrote, “Because I wanted to work in the nonprofit industry, serving the underprivileged and making a difference worldwide, I even bought into the notion that saving money was something you did only if you loved money. I never had dreams of luxury living, so I wrote off saving money as though I just wasn’t cut out for it. I continued to live in the moment.”

Do you feel that way too?

I think that’s a temptation for a lot of people not to think about money management because you don’t want your life to be about the money.

But here’s the kicker:

When you don’t give thoughts to money management, then your life becomes all about the money.

Every decision, every situation, depends on where the money will come from, and the things that are part of regular, everyday life become stressful when they don’t have to be.

Making smart decisions by thinking about money for a short time saves you from thinking about money all the time with worry or none of the time through denial.

If you want the freedom of living life without financial barriers, then you have to invest the time and attention to managing your money. Then your money becomes a tool to bless others, instead of being a burden.

How do you look at saving money now compared to how you considered it when you were younger? What do you hope to learn about managing your money in the future?
About Rachel

I write about practical tips that will help you simplify at home. Connect with me on Pinterest and Twitter.

Comments

  1. In the first ten years of married life we found ourselves in debt $22,000 TWICE! We managed to pay it all off and save half that, and in all that course of ten years. We did not think about saving money, my parents lived paycheck to paycheck and his parents had money. Neither of us though were given life lessons from our parents (and we are fine with that) about money management. We were forced to confront our lack of knowledge of money. Now we save money to enable ourselves in the future and within 7 months for me to stay at home with kids. We will constantly need to learn and adjust our money skills according to our circumstances at the moment and time, but we are aware we need to is the biggest thing. Thanks for the great article!

    • @Sea, thank you! I am encouraged by your post. We are in the same amount of debt and working our way out.

  2. Money management is a learning process. Its taken me a very long time of success and failure to learn to keep it under control. Once you get it right it’s a wonderful tool to keep a lot of stress out of your life. Great post, I completely agree.

  3. I agree that I fall into the category of being able to budget but not really THINKING too much about money because money wasn’t very important…luckily we have managed to be mostly smart about our money but I know I have room for improvement..time to set up some filters for myself :)
    Tiffany Wilson´s last post…late night blogger

  4. Great post – I realise that we are lucky because we are currently living on one (and a tiny bit) incomes and not everyone can do that, but part of the reason for that is we have never been in debt. As you point out, some people think that saving money is a ‘luxury’ or a sign you are obsessed with material wealth. Others think it is ‘boring’ and not ‘living in the moment’. But if you don’t actually have a bit of planning going on, and don’t have a fallback, as you say your life becomes all about the money.
    Also – isn’t having that extra money at the end of the week/month a sign that you are not so materialistic, and therefore not spending all you earn buying ‘things’?
    Natalia´s last post…Mondays are for dreaming – Christmas in Tuscany

  5. I think it all comes down to trusting that you will have what you need. My husband and I do not have good organizational skills or long term financial goals. He works to make money, and we spend it on the family’s needs and wants. There are times we have to tighten, and times when we can afford luxury. Because of an unstable (feast or famine) type of business, we are in and out of debt all the time. But life is not all about the money for us. We do try to live in the moment, and we know that we will have what we need. I guess it’s like the Secret. We believe it will be there, and it usually is. That leaves us more time to focus on each other, and, yes, LOVE! It doesn’t buy the groceries, but it sure makes them more appetizing!
    Catherine´s last post…Perfection

  6. Oh.. I can so relate to this.. When I started working, fresh out of college, I spent money like crazy without a care in the world. I gave away lots, gifted expensive gifts and saved nothing. Now, I still give lots, gift practical, simple gifts and save. Because, even though we live simply, there are things that we need to account for – our child’s education, our health bills, and in our current situation, one person’s salary.
    So, yes, I’ve changed, grown and gotten better at managing my money.
    Prerna´s last post…Teaching Toddlers about Holidays and Traditions- Fun Holiday Activities for You and Your Preschooler

  7. Oh, goodness, there is such wisdom in this post. My youthful skewed approach to money makes me wish I could turn back the clock! For us, we have learned that a little space of focused mindfulness about our budget each month gives back the gift of being blissfully unfocused on the issue of money the other 29 days. (We use a Dave Ramsey style cash and category based budget.) Finally facing the music about our finances has given me back so much peace and clarity.

    Thanks for the great post.
    Missy K´s last post…A New Morning

  8. Speaking from a Christian perspective, I do wonder sometimes if Christians are overly concerned with money- albeit in a “good” way, to save- when Christ’s example is to care very little for it. I wonder if we can be idolizing our saving and budgeting, and become selfish with our money in the process? Frugality and generosity seem to be guiding principles that, to me, are best left simple.
    Jess´s last post…reach

    • I think that’s possible, Jess. I wonder,too, if our poor choices sometimes set us up for some of that idolatry (which is only to say modeling and teaching frugality is the surest way to spare our kids of the same) If we don’t budget and prepare (save), I can see easily sliding into the money being EVERYTHING like Rachel/SN mentioned. We lived in fear of giving for years because we just wouldn’t have enough to live on (or so we thought) – I trusted money (ie, my earning potential, myself – Lord help us all), but not in God, which I now find ironic considering the phrase on the bills.

      It all comes down to an issue of proper prioritization. For Christians, I think the false piety of any out of whack view of money is potentially damaging to our witness. I would also say that so many people my age (I’m in my late late late late 30′s) are trying to swing the pendulum back to the proper balance, there’s a tendency to become a little obsessive, and the likelihood of over-correction goes way up. You’re point is well worth keeping in the front of our minds.
      the cottage child´s last post…Friday- baby!

    • I wrote about that in this article: Breaking Free from Financial Fear

      I still follow good financial advice and plan for the future, but I no longer find my security in building savings.

  9. Money is just one more resource the Lord blesses us with so that we may glorify Him. It, like all the others, should be managed in a way that brings Him the most Glory. I need to pay attention and use all His resources wisely.
    I Live in an Antbed´s last post…First Snow Cone

  10. This is so good Rachel!
    We got married extremely young and never had good role models for money. We have never done a great job, although we always get by. What frustrates me is that no matter how much or how little we make, we seem to spend it all! Really trying to get a handle on this as hubby and I want to downshift and “retire” from full-time employment soon!
    Bernice
    Living the Balanced Life´s last post…The secret of productivity- Do less

  11. Wow, I completely agree. One thing we have definitely found is that it is not how much money you make, but what you do with that money. Making careful and wise purchases nomatter whether you can be afford to be frivolous or not means that you will have to worry less about making ends meet in the long run. Being good stewards also means that instead of having to run for help at some point you may be able to help someone else instead. That is a good feeling.

    • “Being good stewards also means that instead of having to run for help at some point you may be able to help someone else instead.”

      Stephanie, what a fantastic and inspiring frame of mind!

  12. I wish I had the faith that “God will provde” that some of you seem to have. But I’m not that religious.

    This past year was a very good one for my family financially. I don’t believe it’s because God provided, but because my husband and I both worked our butts off. As a result, we never had to touch our savings to pay for a new heater, additional home improvements, and a very expensive vacation this year.

    I grew up in a household with 6 kids (4 very hungry boys and two girls). We rarely got new things; getting a bag of hand-me-downs was thrilling. So when I got out of college, I made up for it by getting myself anything I wanted. But I don’t think I went super crazy. When my husband and I got married, we went to a credit union, took out a loan to pay off credit card debt (at the time only about $5,000 total), and combined checking/savings accounts. We still spent a little too freely, but after we had kids, we tightened our belts. My husband is fiscally smart, so we’re in great shape right now.

    I work in the financial industry, and as much as I wish I could, I just can’t leave my future financial security in God’s hands.

    • Kathy, in my experience it was a process, the trusting/contentment thing. Is a process, would be a better description.

      You wrote “I just can’t leave my future financial security in God’s hands.” I would flip the question, and look instead for God’s hand in your over all security…I do think he gave us gifts to be used, and I for one appreciate and admire people of integrity in the financial industry who can help those of us who are not so gifted with some of the finer points. I don’t think growing the resources we’ve been entrusted with, in order to facilitate more good (and family stablity is a Biblical instruction and provides a platform for ongoing good works), is in anyway un-spiritual or untrusting.

      I would only add that the cultural fixation on the numbers seems to be what leads so many of us to spiritual crisis (or is it the other way around?), wealthy and poor alike.
      the cottage child´s last post…Friday- baby!

    • There’s an old story about a man who was in a flood. He climbed up to his roof, and said to himself, “God will provide.” Someone came by with a raft, and offered him a spot, but he said, “God will provide.” Later, someone came in a lifeboat, but he said, “God will provide.” Finally, a helicopter hovered over his house, but the man said, “No thanks, God will provide!” Then, he died in the flood.

      When he reached heaven’s gate, he asked God, “Why didn’t you save me from the flood?” God said, “I sent you a raft, a lifeboat, and a helicopter. At some point, you have to take over for yourself!”

      That’s how I feel about money (and most things). My husband also works his butt off, and because of him, I can be a stay at home mom to keep my family happy and my household running. We don’t expect something for nothing, but we take care of ourselves AND believe we will have enough. As my husband’s Aunt Doris told us after our own flood, “Worrying’s a sin!” As funny as it was at the time, I took great comfort in knowing that I’m not always in control.
      Catherine´s last post…Perfection

      • I have heard that story before. It makes a great point. After all where does everything come from? I give God credit for ALL things. Jobs, money, health, etc. It even says so in the Bible. It is a sin to worry (I sometimes still have problems with that but work on it daily). God is the ultimate Provider. He also trusts us with money to be good stewards with it.

    • Skeemer118 says:

      Hi Kathy :) I am what you would consider to be a religious person but I don’t constantly apply the “God will provide” mentality to my financial life. I first have to ask myself the questions – Am I doing what I’m supposed to be doing with money? Am I spending more than I make? Can I cut back on luxery items to save? And other similar questions. I like nice things & I do treat myself from time to time. But I never want to use “God will provide” as a cop out (Not that all people do, but some do) for not taking responsibility. Yes, I believe He will supply all my needs but I also believe that I must be a good steward of His money.

      You’re right, you did succeed because you worked your butts off. I believe if we do our parts then He will meet us there. Matthew 25:14-30 tells us that we are to do our part & bring increase to our households. As another posted said, I don’t believe I’m ultimately in control of every aspect of my life but I do agree with you that we should all be the best stewards of our money that we can be. Great comment!

    • Thank you all for the thoughtful comments! I appreciate your taking the time to chime in and offer your insight.

  13. My husband and I are still young(22 and 24)and have been together for 5yrs and have two children(3yrs and 10months).
    We were very careless with our money in the beginning, not putting much thought into where we were going to be in 5rys.
    About a year and a half ago we were not in a good position. We were over drafting $300 just days after getting payed. We had a few debts, Firestone for about $1500, My husbands star card $900 and a few other smaller ones. We made the decision to use our entire income return to pay off our debts and to get us out of the over drafting cycle. It has taken us falling so hard, and having fallen a few times since then to figure out where we want to be financially. We save and live frugal but comfortably. My husband and I are so much LESS stressed about life in general now that we are actually paying attention to our finances.

  14. Love doesn’t buy groceries, you are right!

    We don’t need much to live comfortably. We are able to give generously. However, we feel driven to increase our earnings, not for ourselves, but in order to love and support those in greater need extravagantly.

    Fiscal responsibility opens us up to live a life of freedom. If you are already debt free, it opens you to give. It gives you the chance to let your love buy groceries when you see the woman in front of you trying to find enough in her wallet to buy hers.

    • Teresa, this is excellent! It describes exactly how I’ve been feeling these days now that we are virtually debt free (minus a mortgage). I am able to be more generous with my money because I know I’ve got enough for that emergency or whatever may come along. So yes, I’m more likely to write a check for a good cause or even give money to that woman in the line at the grocery store.

  15. Maryhomemama says:

    I, too, went through my teen years spending all I made and had parents who gave me everything I told them that I “needed”, like a car, insurance, free gas, $80 jeans….they had grown up through the war in an impoverished country and had no educational opportunities. They believed in providing every opportunity for their children that they could, giving us what they had never even dreamed of having, all through their sacrifices and hard work. Now, I appreciate all they did for me, and now I am trying to be a saver,like they were, and not a spender. Our children have even more opportunities than I had and I hope that by NOT giving them everything they ask for that they are learning to save and be good stewards of their resources.

  16. I was raised in a family that was wobbling on the edge of a mountain of credit card debt. In my first few years as an adult, I very much thought I would go that way too, until I met my husband, who is incredibly financially responsible. He made me want to be that way too.

    You’re absolutely right. Now that we’re not swimming in debt (in fact, we’re completely out except for student loans), I hardly think about money at all. I’m no longer worrying before I even have it about all the places it needs to go.

    P.S. Sure, love can’t buy groceries, but you can get by on fewer groceries if you’re fighting for love; when it is all about money, all you want is more, more, more. Living on love means less worrying about stuff and spending time cultivating more love.

  17. This post rang true for me and my family. There’s wisdom in living within your means–my husband spends a lot of his time earning that money, we feel responsible to treat it with care. I’ve been able to stay home with my boys, keep them fed, clothed and in a steady home, even go on yearly vacations and occasional weekend excursions, on very little. We do a bunch more than people who have a larger yearly income (I just found out our family size and income puts us below poverty level. Whaaa?), and it’s because of careful planning and the priorities we’ve chosen. We drive cars that we paid cash for, for example. We have credit cards and only use them for medical emergencies. Being familiar with discounts and local festivals that are free, packing lunch and having a picnic, only buying toys when it’s a birthday or Christmas, but making special trips for an ice cream cone. Hopefully we will have more income available, as my husband just finished his Master’s degree, but you’re right–a little planning and time has gone a long way to making our family more creative and resourceful, and that’s a priceless lesson.
    HannahRuthie´s last post…King Arthur &amp The Knights Of The Round Table

    • Skeemer118 says:

      GREAT comment! I completely agree that planning is critical to our budget. This is probably the first year in my life I’ve not acquired any new debt. :D We are working our way out one dollar at a time.

    • This sounds a lot like our budget. A lot of “consumer” Americans don’t understand that you can live on very little, especially if you save your money for experiences, rather than more Stuff.

  18. Skeemer118 says:

    From my 20′s to my now 30′s I’ve learned the power of a budget. I’ve learned that money can hinder where I want to go in life & what I want to do. So I pay more attention & I make it work for me. I work a regular job & make regular money. Thankfully over $10,000 in debt has been paid off since the past year. We hope to be debt free except for our home by 2012. :D

  19. Please, young people, do pay attention to your money, the sooner the better. I don’t mean obsess, but set your priorities and make a plan, and re-evaluate it once in a while – it pays off in the long run.
    My husband and I will retire soon at age 50, debt-free, after having just put two kids through college.
    We’re so excited about this next phase in our lives.

  20. When I was first married I used to think that budgeting was something we would do until we were “well off”. Now, 20 years later and a bit more “well off” I realize how important budgeting and planning is. I’ve come to realize that my money has a mind of it’s own and that if I don’t give it an assignment (budget) right away, it’ll take off after all of our wants and we won’t have any left for our needs.

  21. I’ve always kept an eye on my money, but it wasn’t until our first No Spend Month in 2009 that we really started to pay attention.

    I was reading some book recently (honestly can’t remember) that basically said if you have a savings account you’re not trusting God to take care of you. That was kind of shocking, but now I’ve had time to mull it over and think I disagree. Didn’t Joseph encourage the Pharoah to stock up in times of plenty for times of need? Ultimately God controls it all, but I think as part of being rational, intelligent people it is wise to be prepared…even if its to help someone else in need.
    Kait Palmer´s last post…Panting

  22. Great excerpt. I used to not care about money either until I had children, and then I realized that all the things I wanted for them: a good education, a roof over their heads, healthy foods costed money. And I do think knowing what you have and what to do with it goes a long way towards having “enough”.
    Unplanned Cooking´s last post…What do windows say about a house

  23. My husband and I are almost debt free excluding our house payment. When we married my husband had A LOT of debt. I had none. Over the three years we’ve been married we’ve worked diligently to cut down our debt and have nearly met that goal. What a great feeling.

    I am a saver and my husband is a spender. I want less and he wants more. So, we have to meet in the middle. And I think we’ve both grown a lot because of that.
    Nicole´s last post…trying this out2 years later

  24. Another concise summary regarding the practicalities of life! Thanks. We always socked away and were never about the money. We basically lived like a little frugal (and giving) old couple. Now that we have moved abroad where everything is more expensive, we realize we just need to let go of some of our frugal hangups and get the things we need! We’ve saved enough to do that though.

  25. I feel that involving your children in your financial affairs is imperative. They need to know how much things cost starting with how much the rent or mortgage is, food, insurance, etc. They learn quickly that money does not grow on trees and are less likely to develop an attitude of entitlement. Our son decided to attend a community college and a state university to complete his education because he knows that the choices he makes now can affect the rest of his life. Children tend to emulate our behavior and that’s the reason my husband and I chose to be fiscal responsibility.

  26. Denise C. says:

    At 32, married with 2 kids, I am still learning about money. My parents were not good role models for me, my Dad always lived paycheck to paycheck, he was always overextended, even to this day. I was horrible at saving as a teenager, I got somewhat better in my late 20′s when I lived on my own. I had accumulated debt & paid it off. I to this day will not touch a credit card unless it is an absolute emergency. My husband & I encountered some major financial setbacks this year. Sure our savings account took several massive hits. Money is an ongoing learning experience.

  27. It is very interesting, I was happier with little money when I was in college, I had less responsibilities and I was more optimistic about life. Now, I have 2 kids and husband and whole social thing to do. I still think money does not buy happiness, as zenguy also has done what Doug is doing now, he left his job 2 years ago to follow his dream and sometimes there is no income. Luckily with our pared down life and savings and finding joy in little things we have survived till now.

    Some days are hard but most days we feel content.
    Zengirl @ Heart and Mind´s last post…How To Be Happy – Quotes By Wise People

  28. Sounds like alot of people here have good financial sense. I am older than most commenting on here, I’m sure. I am in my early 50′s and didn’t start budgeting and saving until about 2 years ago (and my parents were great examples of what I “should” have done). Anyway, I tell anyone who wants to listen to not do what I did. It is so much easier to save a small percentage of your income when you’re younger than saving a larger percentage when you’re older. But, hey, at least I finally woke up and am having fun living a very simple life and trying to save more than I would have ever thought possible. Who knew how satisfying this new life I found would be!

  29. I’m still young… and I think money saving is not in the picture JUST YET. I completely value it, but I’m poor right now. Not 3rd world poor, I know, but I just can’t imaging putting 10 percent away for a “rainy day” when my bank account is… let’s just say two-figures.
    I look forward to the day when using that savings account of mine is a real thing!
    Christine´s last post…I may just be in that valley

  30. I quoted you and posted on the Association of Personal Historians listserv. Copy attached. Thanks, Catherine

    Re: [APH] Idea how to positively frame charitably-based vs living-wage-based

    http://smallnotebook.org/2010/11/09/love-doesnt-buy-groceries/
    “I think that’s a temptation for a lot of people not to think about money management because you don’t want your life to be about the money. . . . If you want the freedom of living life without financial barriers, then you have to invest the time and attention to managing your money. Then your money becomes a
    tool to bless others, instead of being a burden.” While there is no direct relationship to our industry nor is it a business article, Love Doesn’t Buy Groceries reflects upon philanthropy as a goal and as an excuse whereby we may be keeping ourselves in a state of agitation.

    food for thought (pun intended)

  31. My husband calls it Mennonite guilt and it’s something I really struggle with. We save by not buying or using things and store up that money to save for a house or a rainy day (more often than not). On the other hand we could be sending that money to people who can’t even afford to pay their bills. It’s hard for me to reconcile the feeling that we have so little to give, while we are steadily adding to a down payment for our future house.
    Frances´s last post…Heating costs- How low can you go

  32. Good post and lots of food for thought. I think the problem with our culture is not just poor spending habits but one of a poor work ethic. Everyone wants to work as little as possilbe. Make enough to buy what we need/want and then stop. We should value work and the opportunity to save and give. Retirement at 50? I just don’t think that is right. I am sure I will be working into my 70′s. We were created to work. I don’t think our generation will even have the opportunity to retire as that word is known and used now. So yes! Take a sabbatical. That’s awesome. Our work years are many

  33. We don’t have a well thought out savings plan however over the last two years we have managed to save quite a bit of money which has been spent on buying materials for our house build project.

    we have a small income and each week I take out a certain amount of cash, we don’t use credit cards or store cards for regular spending. Out of that weekly amount we buy the weeks groceries, fuel for the van, fuel for the fire.

    We also put aside a certain sum to pay into the credit union to cover a loan which allowed us to clear some business debts and eased the feelings of worry and shame about owing money to people that we had done business with.

    At the end of each week whatever is left in the wallet goes into an easy access savings account for building materials. We don’t have the money arguments that seem to bother some couples and for that we are also grateful.

    It’s been working our reasonable well so far. We also have faith that the universe will provide.

    Often-times when we have been running short or had large sums to spend on materials we find that a little extra work will offer itself and things will work out.
    scribhneoir´s last post…Great New Book – Simple Blogging

  34. I’m a social worker (of 11 years making a very modest living) and I will definitely be checking this book out. I’ve already realized that I needed to make a change–long ago. I just can’t seem to make it work. I can’t stick to a budget for more than 3 weeks. I’m doing much better than I did even 5 years ago but not great because I have been out of college for 11 years and have little savings. I appreciate this book recommendation because maybe it will help me figure out how to live the lifestyle (which is modest) that I think a professional should live and still save. Maybe it will help change my ideas (or possibly delusions) : ).

  35. Karen (Scotland) says:

    Nope, I am a saver through and through. My parents separated when I was 17 and just starting uni. My mother was left with nothing and my father chose not to continue contact with my sister and myself. Because of that, I’ve been financially independent since about age 18. As a student, I cleaned, babysat, fried chicken, shelved library books and actually worked 50 plus hours the week my final essays were due in my final year.

    I had weeks where, if I didn’t work, I couldn’t buy fresh food. Simple as that. Because of that, I know I’ve been left with a fairly deep sense of insecurity about money. I don’t want money for the sake of having money or to buy possessions (or even experiences) but I like money for the “safety” it provides in having enough in the bank to buy food, shelter and warmth for me, my kids and my husband.

    To feel secure, I need to know where I am, where I’ve been and where we are going with money at all times. I don’t idolise money but I have a healthy respect for the security it can provide!
    Money management is the key in free-ing me from my fear of no money.
    Karen

  36. Amen!

    I am contiually amazed how the majority of the population equates “financial responsibility” with “putting off life/not living.” Just a frequent topic that has come up in my life lately. I can never get past the irony that my “fiscal responsiblity” is so often perceived as a “begrudging lifestyle where money is #1.” This perception often comes from people whose lives revolve around money worries. It is so true – they spend so much more time worrying and thinking about money!

    The truth is, I like numbers, and I probably think about money far more than I have to. But, usually it’s in a “forward thinking/achieving dreams” kind of way as opposed to a “How do I pay the rent this month?” kind of way.

  37. Your kicker…

    “When you don’t give thoughts to money management, then your life becomes all about the money.”

    …is right on.

    Well said.
    Anna´s last post…Preparing for Battle

  38. Well said! Thanks for the reminder :)
    angelvalerie´s last post…the comfort of old friends…

  39. This is SUCH an important point! I work in social science research, and I’m often shocked by how much money other people make, and then they complain about not being able to afford things! I tithe to the church plus give to other charities, I have several years’ income in savings, and I am usually able to buy anything we need (and many things we just want) right away without waiting for the next paycheck…all on an income so low that all my federal taxes are refunded. Frugality really pays off!

    I think it’s crucial to teach frugality and money management to children and to minimize the amount of debt with which they start their adult lives. I wrote about the impact of Starting With Something.
    ‘Becca´s last post…Reflections on a Bathroom Renovation

  40. The best thing I ever did when all the kids were at home (they are older now) was do up a bill’s budget. I worked out what the regular bills would be over a year in time, then divided it out among the pays we had coming over that year. My husband was paid fortnightly at that stage. Then every fortnight I would put in what was needed to cover that amount. After a little while (the money has to build up in the account) the bills could be paid for out of this separate account. Worry free! just a little setting up and planning necessary, then no more dreading any bills arriving. Put in the work first and plan a little, with out becoming rigid in life, and it takes a lot of the worry out and leaves you all that brain space to be creative and enjoy what you have and are doing!
    Naturally Carol´s last post…Cross Stitching

  41. So true! Unfortunately, in order to not have to worry about money, you have to think about money.

    Something as simple as a discussion with yourself or your partner about what your life (and therefore spending) priorities are can help you to avoid money stresses later in life. Perhaps, start with a budget plan.

    Whether your priorities include working for non-profit and helping those less fortunate, being able to take your family on an outing without having to worry about making your next rent or mortgage payment, or treating yourself to a pedicure without being overcome by guilt.

    Being smart with your money does not mean that you have to save so much of it that you begin hording, but rather adjusting your spending so that you can enjoy some sort of personal financial freedom, however you may choose to define that.

  42. Amen! I never worried about money, “living in the moment”… until we had kids. That’s when I realized that we NEEDED to save, to plan, because not having money meant that we couldn’t buy clothes for the kids, NOT that we couldn’t go out to dinner. The things we spent money on drastically changed!! Sure, I will say that having love is more important than having money…but if you love your kids, you will practice good money management so they have a roof over their heads and food in their bellies. You just have to find the balance.

  43. I can completely relate to this post. When I first exited college my money management skills were poor to non-existent. After finding myself in a fair amount of student loan debt, as well as some credit card debt, I decided to learn more about money management. Over the next few years I learned about paying myself first, paying off my debts, and making smarter money decisions. Then eventually I started my own website about the topic, in an effort to help others. Thank you for sharing this post with us! I hope it helps people who need it most!
    Nate´s last post…How to Pay Off Your Credit Cards With Zero Interest!

  44. Wow. I guess I have always taken my money management skills for granted. We were pretty poor growing up, and my parents taught me good money management skills when I got my first job. Only once have we had no money (which was completely out of our control), and we recovered quickly from that. We don’t have a set budget, but we most certainly live well within our means on one salary. I love websites like Simple Savings and Cheapskates for money saving ideas.
    Dawn Lewis´s last post…New Cousin provides dilema!

  45. Hi Rachel,

    Great post on making chicken stock. Have you ever used chicken feet? I have started adding them to my stock (they are quite something to look at…sort of like alien hands!). They add soooo much gelatin to the stock which is very good for our joints. You can usually get “feet” from local farmers or at the farmer’s market (if you call in advance) or you can order them online at US Wellness Meats. They’ll send them to you on dry ice. Chicken feet are inexpensive and are a great way to add extra nutrition to your stock for soups.

    Love,

    Mary
    Mary´s last post…Organized Clutter