I have some ground to make up.

I’m behind on blogging and our emergency fund needs refunding.  I can only make up the first by digging in, so here we go …

We have several ‘checks in the mail’ which is both frustrating and a blessing.

First it’s a blessing because:

  1. We have clients.  Period.  In this economy that’s something.
  2. Daddy is amazingly talented and runs his business 100% off of word of mouth.  Even with our budget of $0.00 in marketing, his workflow for Pixelninedesign is steady, and has been for years.

It’s frustrating because:

  1. We have to rely on that money.  We made some bad financial decisions when we were young pups and we are still digging out.  Just a few icky bills to deal with, so there’s a light at the end of the tunnel, but sometimes I feel as though I’m digging with a plastic spoon.
  2. I HATE using our emergency fund for what I consider non-emergencies.  I don’t consider a web client not paying on time an emergency.  Perhaps I should, but nonetheless it’s hard for me to wrap my brain around someone’s lack of planning becoming my emergency.

Luckily, (for those of you just joining the party) we took Financial Peace University last summer.  Damn Ramsey equipped us with tools that fight off the urge to go spend a bunch of money right now just because there are deals to be had.  In the past, I’d justify it in my mind because my spending was hardly ever on myself – it was almost 100% for my kids.  So that makes it okay, right? WRONG. My kids won’t care about having 2 pairs of new shoes (that will be outgrown before worn out) when they are up to their eyeballs in debt thanks to mom and dad’s lack of inheritance.

The next pitfall I’d run into is I would convince myself that just because something was a good deal, I had to snatch it up.  This was especially dangerous for me when it was something we would need/want down the road.  For example, this week is Black Friday.  Stores are already hammering my email box, twitter and Facebook trying to get my money for a holiday that’s a month away.  Don’t even get me started on the fact that the holiday can be completely ruined by the greed and gluttony we as American’s have come to embrace.  Thanks to Damn Ramsey and his bag of tricks (aka the bible) I have learned that NO deal is worth financial strain or debt.

So, I’m waiting.

I have plans to go with my sister Thanksgiving night to get some deals on clothes (which we have all become desperate for), but if our emergency fund isn’t 100% funded, I’m going just go along for the ride.

So, there’s the latest and greatest in the Chillemi household.  We are digging in, focusing on what is important this Thanksgiving (which includes a houseful of loved ones – SO excited!) and making things up as we go along.

I pray your life and bellies are full on Thursday.  If you don’t have plans, our home is always open.