Many eons ago, when the world was young, Chef and I got engaged. It was a crisp October evening when he dropped to one knee and popped the question. And I said yes.
We had already started planning our wedding before I’d gotten a ring on my finger. And the wedding was planned for June, which was a long eight months away from October. Many, many times during our engagement, one or the other of us would want to throw in the towel, give up on the wedding planning and the living apart and just elope. We never had that desire simultaneously, and I think that’s the only reason we didn’t do it. We really were on the same page about what we wanted our wedding to be like, and even though it was frustrating sometimes to be living 250 miles apart when we wanted to be sharing a home, we still kept each other on the same track. When I would say that I wanted to just get married right now, Chef would be the voice of reason and say that we had plans. And when Chef would go crazy and offer to take me to the court house that day, I would calm him and assure him that we could wait.
We knew we had a plan, and having that plan together is what kept us true to it.
Now, we’ve got a plan to get out of debt. And just like when we were engaged, we have to keep each other on the right track. We received a little extra money last week, and to be honest, I wanted to go out to eat or just spend a little more on groceries or home supplies. But Chef was determined to stick with the plan, so we sent that money to the credit card company to pay down that debt.
He’s a good husband.
There have been other times when he wanted to put our “extra money” toward something else, and I have pushed for putting it toward debt. If it weren’t for each other, we would have a tougher time keeping on track. It’s good to have someone else to hold you accountable.
If you’re trying to get out of debt or stick to a budget, you probably find that doing it by yourself can be tough — especially if you’re not a natural saver. It’s easy to steal cash from one envelope to pay for something in another category, if you’re the only one who’s paying attention. It’s easy to write out a budget and not honor it if there is no one looking over your shoulder.
Hopefully, married people have a spouse to help with accountability. Single people might have to make more of an effort to seek someone out to hold them accountable. Right now, Chef and I sit down every week with the teenager who is living with us, and we go through her budget with her and hold her to it. But when she moves out in June, she’s going to have to either make the effort to reach out to us so we can continue to help her, find someone else who will keep her on the right track, or be much more self-disciplined than she is naturally inclined to be in order to keep to her financial goals.
Because the road to financial freedom can be hard to stay on if you don’t have someone to help you.
I’m thankful I’ve got Chef.
Who helps you stay on the right road?