Have you ever gotten to the end of the month said “Why the hell am I so poor!?!” We’ve all been there, we’ve all wondered where all the hard earned money went, and why we don’t have anything to show for it.
Hopefully if you’ve stumbled across this blog you’re a little bit passed that point and budget, know how much you’re spending on what and how much you get to stash away each month. If not, I’m not going to waste our time by trying to teach those skills poorly, there’s 1001 sites and blogs out there that have that information already.
Shortly after we combined our finances there came a point where I was slinging money around between accounts like a madman. Paying off this credit card or that, putting money here or there, or dumping 5k a month into a student loan payment and my wife said something along the lines of… “WHAT IS HAPPENING!?” And that my friends, is why we started the weekly financial newsletter.
I know I can be a bit overbearing sometimes with finances. I can’t help myself! I love looking at numbers on a spreadsheet or graphs go up and down like the roller-coasters at the amusement park. I love putting each transaction in it’s properly category as soon as it hits the account. I’m obsessed! But my wife isn’t the same way. She doesn’t want to spend what precious free time she has combing over the latest bank statement (let’s be honest who still looks at physical bank statements) and figuring out how much of this month’s budget have we blown through so far. But I love that shit!
After a few small arguments, the best solution we came up with is for me to send a weekly update of everything that happened that week, and what we can look for in the upcoming week. I go over our balances, cash flow, spending, and a brief synopsis of whatever dumb shit Trump did that week that spooked the markets. It’s a great way for us to be on the same page and discuss anything that needs discussing, and there’s never any surprises! It’s a win-win for both of us.
Most of this blog is going to be those weekly newsletters. Written by me, for my wife. It will give a unique look into a real couples finances who are pursuing financial independence. What stuff we have to deal with on a granular level, and what we’re trying to achieve. I’m hoping to one day look back on these letters from the 3-comma club and laugh at my naivety, or even better my incredible foresight!