A Woman on a Mission

10.05.2010

I'm ashamed. Embarrassed. And if I was smarter, I would have a much longer list of what I'm feeling. Last night, I went through our September bank statement to write down the amount of the things that I bought that were not necessary. To give you an idea of what I was facing, I wanted to stop halfway through. Yeah. That's how bad it was. After I wrote them all down and added it all up, the next thing I did was write Andrew a letter to apologizie for my lack of discipline and my desire for material things. That is not who I want to be, who Andrew needs me to be or who the Lord has called me to be.

Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal; but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal. For where your treasure is, there your heart will be also.-- Matthew 6:19-21




God has commanded me to be a good steward of my resources and not to be a frivolous spender. Andrew has been telling me for quite some time to read the Dave Ramsey book, "The Total Money Makeover" and last night I finally cracked it open. I may only be on page 12, but I am loving it so far. I like the fact that it's not breakdown of how to get rich. It's a breakdown on how to be financially smarter now and reap the benefits later in life. His motto: Live like no one else, so later you can live like no one else. The only drawback {and it's not really a drawback, just a mental thing}; this will not be an easily accomplished thing. It's going to be tough. But I know that with prayer and with my always smart husband, the Janke household is about to become a whole lot smarter financially.

So with that said, I have made a vow for the month of October, I will buy nothing that is unnecesary. I know that may sound a bit extreme, but after last month, I can afford a month of nothing BUT necessity. And if I can't make it four weeks without frivolous spending, then I have bigger issues than I could have ever imagined. I've also unsubscribed to emails I get that alert me about sales or "use this code and get 20% off" to rid me of any electronic temptations.

So besides getting a grip on one kind of shopping, I've also decided to become a smarter shopper. Grocery shopping that is. I am the queen of wannabe organized. But now is the time to step it up and make it happen. After perusing several websites, I have found the perfect menu planning/grocery list combo template and I found it here.

I've already scheduled myself to go grocery shopping on Sunday after church and have planned out our meals for next week. I'm really excited and think this will be so much smarter as well as easier. I've even gone as far to select the grocery stores; Aldi and Wal-Mart. Though I generally pick Target over Wal-Mart everyday of the week, Target is a dangerous place for me. I will also be paying closer attention to Harris Teeter & Bi-Lo weekly specials. Like the title says, I'm on a mission. The Janke househould is undergoing some much needed financial changes and I'm ready for the challenge.

Another inspiration was when I stumbled upon this blog. Simplicity. This is something I really need to focus on. Life is not about what you have or what you lack. It's about making the most of what the good Lord has given you. This blog gives great tips, ideas and advice.

With all of this said, I ask that you pray for us as we embark on this journey and any advice that you can offer will be much appriciated.

And off we go!


5 i love your comments!:

thunderacura said...

We have this book. We actually have 2 copies of it so if you know anyone else that could use it. I'd be happy to give one away. I haven't read it yet, but we are doing Dave Ramsey's 7 baby steps. Seems to be working to make progress on our debt. You're right though, it is a long and hard road and you have to stay disciplined. One thing that has helped us stay disciplined is that not only do we have our joint account, but we each have our own "allowance" accounts. From that account we can buy whatever we want as long as we have the money for it in our allowance account without it being a joint decision. Basically, besides bills, if it comes out of the joint account it's a joint descision. If it comes out of our allowance accounts it's a individual decision

thunderacura said...

Also, another thing you can try is coupon clipping. A website that I've found that really helps make this easy is http://www.southernsavers.com. You could take what you save by using coupons and either put it in a savings account or pay extra on debt.

Sara said...

love your blog! thanks for being so honest, i've dealt with the same issue a few months ago. i also joined the grocery game and usually cut my grocery bill in half if not more! check it out

Ashley said...

keep us updated on how it's going, I'm scared to try that haha!

Andrea said...

I printed the meal planner and added Simplicity blog!!!! I'm going to hold you accountable sister!

 
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