Letting Go Of My Financial Inhibition

 I'll be honest and admit that managing my own money was always an underlying stressor in my life; an element of adulthood that I didn't derive any satisfaction from. Working hard was what I was taught while growing up, making more money was prioritized. But after many years of pushing the responsibility of managing my finances aside, on top of always paying on unsecured credit card and auto loan debt , I've worked up the motivation to look at my budget with a keen eye and figure out what direction I want to head towards. Recently, I stumbled across The Dave Ramsey Show on Youtube, which has over 880k subscribers, and have been binging all the episodes. He also has a podcast channel. Dave Ramsey is an expert in the field of personal finance. I find his debt paying and personal wealth building strategies to be straight forward and realistically tangible so once I realized he has a free money budgeting app called Every Dollar, I went online to look at the reviews before downloading it. I was never into using Excel to note my income and expenses, mainly because I just didn't want to admit to my financial inhibition. However, due to my new mindset and the Every Dollar user friendly platform, tracking my expenses has become fun and less scary!

 Having deep life conversations with my husband is something I feel grateful towards because it helps me put into perspective our life's projectory. Even though we have a lot of polarizing likes and dislikes, because we share a lot of the same values and beliefs, our relationship works - we balance each other's energy. We have frank discussions about money and what we want out of life and that has really aided in us feeling financially confident with each other. The beginning was hard - we spent frivolously without intention racking up double digits in debt. Saving for retirement wasn't even in the picture. But through the years we learned how to look at money as a tool for success in life. I'm not going to lie and say our partnership has been all unicorns and rainbows; no relationship is and will ever be - but through hard work, unbridled love and conviction, my husband and I are steadily on our path towards complete financial freedom.

"When you and your spouse agrees on spending, you've agree on dreams, fears, goals and priorities."  - Dave Ramsey