I'm Not Overwhelmed...I'm Not Overwhelmed...I'm Not Overwhelmed...I'm Not Overwhelmed...
...No, really. I'm not. Week 2 of Financial Peace University was just as cool as Week 1. This week he talked about teaming up with your spouse or partner and uniting to move forward financially. he also gave single people some practical tips on budgeting (one being having an accountability partner...I asked Brett to be mine, and he graciously accepted!)
My favorite part was taking a quiz to see if you're a "nerd" or a "free-spirit"...I went into this full on believing I was a free-spirit, because I hate everything to do with my bank account, budgeting, saving, blah blah blah, it makes me sick.
However, after taking the quiz, I am EXACTLY half "nerd" and half "free spirit"...I am a "nerd" in all aspects of life except for finances (I'm on time, organized, always making lists, etc.) But I am a free-spirit in my finances for sure (i THINK i have enough for a couple of gas station hot dogs, if i only put $15 in my tank...)
This is cool, because I realize that I already have the tools it takes to be a healthy "nerd" when it comes to finances. And I also realized, that maybe...MAYBE...the reason I hate doing anything with money is because I never really have any :) I might enjoy it more when I can do a budget and say "what-oh-what shall I do with all of this extra money??"
He also made a good point when it came to single people and budgets. He said time poverty can lead to poor money management. Which is so extremely very true. With married couples, there are 2 people to share responsibilities...but with single people (read: me) there's no one to share that with. I do my laundry, prepare my food and run my errands all by my onesy (it's a phrase i got from one of the Pirates of the Caribbean movies...it makes me feel pirate-y. Don't ask why I want to feel pirate-y. I don't know.) Ok, anyway...I DO EVERYTHING ALL BY MYSELF, so often times it's a "I'm tired so I'll just drive through Burger King" or "I don't want to be by myself tonight so I'm going to go do something and probably end up spending money."
The point is, I learned a few of good tips (including teaching your kids how to manage money..but thats a ways away!) and I'm excited (kind of) on implementing them!