Never Enough Spending Money

Why is it that I have five different places to spend each dollar that I earn?

My wife and I put together monthly budgets (get yours FREE by clicking HERE) and that means I get my spending money once per month.

By the end of the month, it is extremely rare for me to have money left!  Why?  Because, I am the spender of the family.  Take for an example this month.  I had $3 left on Monday.  It left me by Tuesday.  On Wednesday and Thursday, it was $0 expenditure days!  It was impossible to overspend because we use cash envelopes!  When the money is gone – it is GONE!

Some might say, "Joe, you are dad-blamed crazy!  You have no debt except the mortgage and could easily increase your spending money.  Why do you insist on living this way?!"

The reason?  Jenn and I have some big huge dreams.  Some of those dreams include paying cash for Melea's college, paying cash for her wedding, funding our retirement well, giving Melea a paid-for house to start life out with, and giving to some worthy causes that we really believe in!

Sure, I can bump up the spending money, but I will just be robbing myself of some of my future dreams!

I hate robbery and theft, and I REALLY HATE IT when I rob from myself!

So yesterday started a new month.  I have money to spend again.  Trust me, I am confident that I will spend 90% of it during this next week.

With all of that said, here is how I have planned to spend the money this month.  By the way, I used the Mini-Budget to plan my Spending Money.  You can get your FREE copy HERE.

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I am so excited to be teaching the Financial Learning Experience in Canton, Georgia on Sunday!  The first session has sold out, so I will be teaching the FLE twice!  There are a few tickets remaining for the 1:00PM – 3:00PM session.  You can obtain more information by clicking HERE.

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  1. Alan on November 2, 2007 at 7:52 am

    I have found that I can make my spending money go even futher by getting large bills at the bank. It’s much tougher to break a $50 for a coke (or some other low $ item) than it is a $20. Also, are you walking when you golf or riding? Save the cart fee and get some exercise, then you’ll have money for the golf balls you lose.

  2. Moneymonk on November 2, 2007 at 8:45 am

    I think the problem is that as soon as some people become debt free but the house, they feel they have permission to go crazy. The hardest part is staying debt free.

    If I had no payments I may splurge also with money for about a month and then get back on track.

    We are human therefore we spend! LOL

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