I was in conversation with a girl my age this weekend about finances and the economy (as it seems to be the hotbutton of late!). I shared with her some of the research I had been doing about where certain people think we’re headed as a nation. I proceeded to say how much my family and I are really trying to save, save, save.
She looked at me in disgust: “Save? I’m not saving. I work hard. I’m going to spend what I want, when I want. As long as I’m being responsible, I’ll be fine. Who needs a savings account?”
Her expression and gestures kind of made me laugh under my breath. She didn’t care at all about what was going on in our economy. I am wondering if she’s even watching the news. But then I began to think more about her response and the fact I have had the same attitude before. In fact, growing up with a father who was extremely successful and not having to worry about finances, early on in our marriage I would spend like I was still under my dad’s roof. It was scary. My credit card proved it. So in essence I lived out her words in some way, shape or form.
But now things have changed. My whole mindset is radically different. While I’m still far from perfect, I really value saving more and spending less. Last year around this time, we were about $40,000 in debt. Thanks to the help of Dave Ramsey, we’re now $10,000 in debt with just a small student loan left and Jeremiah’s car. We’re so thankful that our mindset and behavior has changed. I know we can all admit as Americans that we love living above our means. I mean, who doesn’t love it? But the better way is to be wise and to be content with what we have. I wish it was easier done than said.