Debt Payoff, Mommy Life, Saving Money

How to Deal with Money Struggles

So I’ve been feeling a bit discouraged lately guys. I’ve got a major case of the money struggles. As you know, we saved our emergency fund in 6 weeks. It was super hard and to be honest I felt super accomplished after that. With something like financial goals, it’s the little victories that keep you going.

When that happened, we got to start our debt snowball, which was an awesome feeling…until Robert’s car wouldn’t start. So $325 dollars later, his car got a new starter switch and our debt snowball couldn’t actually start until later in the month.

How to deal with a money hurdle

While, normally one of our seven bank accounts could help with a situation like this. Read more about why we have seven bank accounts here! But because we literally JUST opened them, our car maintenance account only had about $30 in it. I know total bummer…and no where close to $325.

So because of that, we had to dip into our emergency fund a little bit (thankfully, we had just gotten paid as well so we didn’t have to take the whole amount out of emergency fund). However, because we had just finished it a few weeks ago I’ll admit it I’m feeling a bit discouraged.

When I have even the tiniest bit of discouragement, I have to remind my myself of the end goal and that every bump in the road is just that, a bump. It’s not forever, and this discouragement will go away because I have some ways to get rid of some money struggle blues.

Remember that you are not alone

No matter what happens in your life, you are never alone. Since I have started writing on Making Mommy Money, I’ve had so many people come to me and let me know that they understand my family’s struggles and think that our goal to pay off our debt is awesome! I’m honestly just typing for anyone that is willing to listen and I love that I’ve got people out there that care.

Out of everyone in the world that may be on your side, there is no one that is more on your side than your Heavenly Father. Whenever I feel my lowest, or even when I have the tiniest struggle with the temptation to spend money on something I don’t need I go to Him.

One of my favorite verses to go to when I’m feeling nervous about our money struggles is Philippians 4:6-8“Be anxious for nothing, but in everything by prayer and supplication, with thanksgiving, let your requests be made known to God; and the peace of God, which surpasses all understanding, will guard your hearts and minds through Christ Jesus.Finally, brethren, whatever things are true, whatever things are noble, whatever things are just, whatever things are pure, whatever things are lovely, whatever things are of good report, if there is any virtue and if there is anything praiseworthy—meditate on these things.”

This helps me to remember that I have nothing to be blue about because I have a more powerful God beside me that has everything under control.

Write down your goals again and put them where you can see them

After Robert’s car was out of the shop, I decided it was time to get re-focused. I found the goals that we wrote down from our money date night and gave them another look.

One of our specific goals is to buy Robert a new car in two years. Because of that goal, I reminded myself that we won’t have this car forever. Our only goal with our ’99 Camry is to keep it going until we can replace it. There is no need to get bummed over a time that we were just keeping it running.

Talk out your money struggles with your spouse

In a marriage, one person can’t solve the money struggles on their own. It won’t matter how hard I work, if Robert is not on the same page a goal won’t be met. Like I said in my Rules for Money in Marriage, you are a team so you need to act like it. If you guys talk it out together, there is more of a chance that you can figure out what went wrong and how you can fix it.

When we took the time to talk things out again and refocus, we both got our eyes on the prize again. It’s totally ok if you need to refocus a million times. That is exactly why I made the printable linked below…to keep our focus.

Debt Payoff Thermometer

Reset your game plan

You’ve looked at your goals, and talked it out with your spouse; now it’s time to get serious again. If your last plan didn’t work, try something different. Or in our case, we are actually following through with something we’ve been saying for weeks that we were going to start…*cough cough* cash envelopes *cough*

Wait, did I say that? ok, yeah I’ll admit it. Even though I have this great post explaining the cash envelope system, Robert and I haven’t actually put it into action until a few days ago. We decided until we can get the hang of it, we’re going to take it a week at a time. Stay tuned for our progress.

But until I’m able to post about that I have a great printable for you. It’s to help you stay motivated and have a visual for success. We have ours posted on our fridge! Click here for your printable. All you have to do is fill it out with the correct amounts and bam! You have some visual inspiration to keep going. Watching that thermometer slowly fill up to the top is all the motivation I need to keep chugging along.

Keep pushing through those money struggles

As my mom liked to say when I hit a snag in anything, “it’s time to put your big girl panties on and deal with it.” I know, it’s a weird mom saying, but I like to think that I got my moxy from her. In other words, pick yourself up and get to it.

A money struggle is just that, a struggle. It’s not meant for you to stay there. You’re meant to climb that hill and keep going until you reach the top. This is not the end here, never give up. If you have any other ideas for what helps you power through, leave them in the comments, I can’t wait to see them for the next hill we may have to climb.

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