Have a plan

I heard someone say the other day, “If you have money, have more than a plan to spend it.” It stuck with me enough for me to write it down, and now write this blog post.

My husband told our son Sunday that he has two kinds of money, spending money and saving money. Shaun was convinced he could use his “saving” money in his piggy bank to buy himself a bull truck (a semi with a cattle trailer). It was a cute conversation and one that I’m glad my husband handled. He’s much better with saving than I am.

When I was a kid I had a collection of pennies and didn’t really have a savings account. I spent birthday and Christmas money about as fast as I got it. I didn’t get a checking account until I was a senior in high school and heading off to college. (Admittedly I didn’t get a savings account until I was well out of college.) When I was in college I enjoyed life and didn’t have a job besides my school work. I’m glad I had it that way because my grades never suffered.

But, and I’ve written about it before, I’m still paying for that $7 taco from college. I was lucky enough to have a couple of grants and scholarships that helped pay for my tuition, but I did have to take out some school loans to pay for my education and the remainder of my loans is what I lived on. That and credit cards.

I’m only about half way through paying my student loans off and I completely envy my college classmates announcing on social media they’ve paid theirs off. I chose to go out of state and value my education. I do not mind paying every month for my education.

Now, for the first time in six years of marriage, my husband and I got a decent sized tax return. While it’s not enough to pay off our bills, it is enough to get my brain working. I’m dreaming of a garage or a new set of tires on the vehicles and doing appropriate research. Meanwhile, it sits in the bank. I’ve got to have more than a plan on how to spend it.

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