Each new year that rolls around I seem to be filled with enthusiasm for boundless new projects and ideas that we all know will be lost in the chaos once school returns.
Amongst the resolutions and plans and projects the state of our finances always comes up. And it is never pretty! We review our budget, which we struggle to stick to, adjust a few expenses here and there to try to get the income and expenses columns to balance and that’s about it.
Hubby’s business is labour based and there are only so many chargeable hours in a day. On top of that each year seems to have a period where the work dries up a bit and as a result our personal finances suffer if there is not enough coming in to draw a wage. I’ve taken to doing a bit of Virtual Assistant work from home when I can but that is a bit sporadic income wise as well.
At the moment we are wondering how we can best create space for all of the girls and ourselves in our three bedroom house with no money to do any extensions and limited finances that won’t extend to building a granny flat or two, we are also needing to get a car that the girls can learn to drive in but again have no money to do so, we will have two starting tertiary study this year and another next year and that is not cheap, we worry about whether or not we have enough in our super funds for retirement and on top of all of that we would love to travel with the girls, maybe to Japan one day. But it all seems impossible and before you know it another year has passed and nothing has changed.
Well hopefully 2018 can be different! Hubby bought himself a copy of The Barefoot Investor for Christmas and read it whilst we were away on holidays. Now that we are back home we are going to start implementing things from the book and hopefully we can be in a better place this time next year and an even better place in say 10 years time.
I have just started to read the book and my favourite part so far is that we get to go on weekly date nights for the first five weeks, and a monthly date night thereafter…sounds good to me!
I’ll keep you updated along the way and if you’ve read the book I’d love to hear your comments, thoughts and progress too!