Really, I'm not. Some people even think I'm pretty smart. (When I whip their asses at Trivial Pursuit and Scrabble, specifically).
I do a pretty good job at work and I kinda know what I'm talking about most of the time. I can recite Shakespearean poetry from heart (no, not ALL of it - just enough). I know that the Democratic Republic of Congo used to be called Zaire, that there is a difference between their, there and they,'re, and I know all about the symbolism in Jan Van Eyck's Arnolfini Wedding Portrait. That's it, right here:
|This is hanging in my living room|
So here's my confession. I HATE dealing with financial matters. I feel completely incapable of doing it. I think I should be doing so much to further our financial growth but I don't know what to do or how to do it. My only consolation is it boggles my husband's brain even more than it does mine. He's the creative type, you see. So the job falls to me.
It's okay, for the most part. I generally do a good job. In times when we are lean it's usually due to circumstances and not some catastrophic planning on my part. I pay the bills monthly(ish) - as the money comes in from my job and the hubby's freelance work (which is, by nature, somewhat sporadic). I understand the basic concept: have more come in than you have going out. We're working on that.
I'm sure we could have made better decisions in the past. I know we could have. But we have a nice house - not new, but nice and good-sized - and we have cars made in the last 10 years. I don't regret any of those purchases (though I do wish the housing market hadn't plummeted three years after we bought our house).
My quandary is long-term planning. Making goals and sticking to them. Having willpower to look to the future and say, "no, I don't want to make this purchase today because it will impact our ability to take a vacation in 2 years". This is my struggle.
I will go without incidentals for myself quite easily; where I run into trouble is I too often rationalize things for my family. I want things for my kids. I want to see their enjoyment. I want to take them to Disneyland because I grew up going there and I feel guilty for moving them so far away.
We went to our CPA today. Our Taxman with a capital "T". I love him. He makes me happy every year. In 4 weeks I will temporarily be financially stress-free and I will revel in it - probably too much - for a very brief period until I pay some stuff and buy some other needed stuff and then we'll be back to status quo.
So tell me - are you the money person in your family? What do you do to make your financial goals and keep them?