My earned income…

In our married life I’ve worked a total of one year.  No… let me rephrase that.  I’ve had an earned income for one year.  After that year of teaching fourth grade, which I really enjoyed, I became a full-time mom and housekeeper.  I must say that I felt pretty comfortable in my role as mom.  I didn’t love my role as housekeeper so much, but I managed.  In my role as a helper with the finances, I failed.

When we first got married we were under the impression that only one person really needed to handle the bills.  As we faced entering the military, Matt trained me on how to handle everything.  The six months before he left for CHOBC I handled all the bills with him at my side.  By the time he left, we were both confident in my ability and he was much less stressed out.  For the first six years of our marriage we had been forcing the free spirit to do all the budgeting work because that’s just how our parents had done it.

That wasn’t such a great idea, it turned out.  While he was the only one doing the bills, Matt remained stressed to the max and neither of us had very much financial sense.  It wasn’t that we were out buying the nicest gadgets out there.  We used our college TVs  until we moved here (I think we are still using one of them in the boys’ room).  We never went on extravagant vacations on our own dime, though my parents took us on a few unforgettable trips to Utah, Vermont, and Canada.   (I miss the motey-coach.)

We nickel and dimed ourselves into a ton of debt during those years of just living beyond our means.  With Matt making such a small income, I should have been working much harder at cooking at home from scratch.  I should have been using coupons to shrink our grocery bills.  I should have kept off the roads so much and spent less on gas.  We should have eaten out almost never.  Instead, I am embarrassed to say it was probably more like 5-6 times a week.

We should have had a budget.  I look back and think, ‘HOW DID YOU NOT HAVE A BUDGET?!?”  I can answer that one.  My definition of budget at the time was this:  a piece of paper that explains where all your money went the previous month.  Seriously.  I actually thought a budget’s purpose was to tell me what we did with our money the month prior.

That is NOT a very useful definition of  the word.

After taking FPU I learned that budgeting is, and I quote, “sitting down together, before the month begins, on paper, on purpose, telling your money what to do.”

WHAT?!?!  I never knew!

So now, I actually do that before each paycheck.  I literally sit down and allot money toward each thing we need, including car repairs, the boys’ commissions, vacationing (AMSTERDAM IS COMING UP!!), birthday parties, as well as the obvious: gas and food.

Here we are almost 13 years into our marriage and I have yet to bring in an income for our family, aside from that one year.  (I cannot not count the year I tried to sell Tupperware… while I love all the product I gained as a result of that year, I was $500 in the hole on a cute Disney Credit Card at the end of that venture.)  But I believe I’ve become a much better handler of our money and, what is important, I believe ANYONE can do that.  I really love seeing so many of my friends here in Wiesbaden go through FPU.  They are struggling through these first few weeks while they are being confronted with new ideas and new ways of looking at money, one of the most sensitive topics to discuss.  They’re not liking it every single minute, but I do pray they stick with it because I know what it’s like on this side of the mountain.  The title of the class, Financial Peace University is so fitting.  Before, “financial” and “peace” had no business being in the same sentence.  I’m excited to share this newfound freedom with all my friends!

You may be wondering what sparked my rant about the fact that I don’t have an earned income and all the dumb things I did to make things worse for my family.

Last night I couldn’t sleep so I took all my 2011 Commissary receipts out of my coupon folder.  I had been saving them for this exact moment.  I totaled all the savings from the entire year and I was VERY pleased with my total!

$757.74

That may sound like a small number to those who coupon in the states but let me tell you why I think it’s pretty awesome:

  • I can’t use store-specific coupons:  Target, Walgreens, etc.
  • I don’t use coupons for many items if there is a less expensive alternative.  (For example, my laundry detergent: I could have purchased Tide all year and bumped up my “coupon savings” but then I would have spent more money overall since Tide, even with a coupon, is more expensive than Xtra.  Couponers have to remember that coupons are really advertisements.  They’re not really meant to save people money… that’s just the hook.  I watch to make sure I’m making a smart purchase rather than blindly buying what I have a coupon for.)
  • I don’t “coupon” with shopping on my mind.  I shop with coupons on my mind.  By that I mean that I make my meal list for the month, then I make my grocery list, then I go through and pull coupons for the items already on my list.  (This ties into the previous bullet point and it greatly affects my coupon savings total.)
  • I can’t use milk or meat coupons.
  • My selection is very slim.  I have one store to choose from and if they don’t carry a brand that I have a coupon for, I have to purchase another brand without a coupon.
  • I never get to double my coupons.

So, with all that said, my earned income over the years hasn’t gone up at all.  I still bring in NOTHING.  

But considering that I’ve become a better manager of our money, I get exited about coupon savings.  (The poor baggers are probably tired of hearing me say, “Ohhhh..  I saved $35 on groceries!!  Except for the fact that I tip better on days I save a lot, so I guess they come out better for my success!)

 

About Jennifer

"Yes, they're all mine." The answer to the question I hear most often.
This entry was posted in Discussing debt, family, germany. Bookmark the permalink.

15 Responses to My earned income…

  1. Bug's Mama says:

    I really need to stop kicking my feet about coupons. I hate them….. ooo, I hate having to cut them, and sort them, and then pull them out, and remember to take them with me when I need them, and then having to hand them over. Bleh! (its a bad attitude, I know!). I’ll use what I find sitting on the shelf and save 2-3 dollars each time I go, but thats it. Where do you even GET coupons here is the real question…..

  2. Jess says:

    I can’t say I earned any money selling tupperware either… but boy do I have cupboards full of nice stuff!

  3. Pam M. says:

    so proud of you!!!

  4. Jennifer Clark says:

    Coupons overseas are available at ACS. The great thing about that is that they are usually cut out, many times like grouped, and sometimes high value. Even when we started eating clean, we save 10-20% each time. You will be amazed at all the coupons out there. Also check out coupons.com and for great deals hip2save.com!

  5. Candace says:

    Oh man reading about the bagger makes me blush…no one told me about the tip. I went shopping for Ray one weekend when I was up to visit and he was in class. No tip for my bagger oops! Ray told me I was supposed to after I got home = ( Call me a rookie I guess.

    P.S. I have to remind myself constantly about your coupon point. However, tide is my ONLY exception I have never found something that makes my clothes smell so fresh and clean so when I get a coupon I am jumping for joy!

    • Jennifer says:

      I have a few products that I buy regardless of whether I have a coupon or not. (My coffee creamer, for example. I will not buy any other creamer than what my favorite. I’m lucky that they carry my creamer here. But, I don’t always have a coupon for it so I buy my creamer with or without a coupon.

      My favorite household cleaner (Mr. Clean yellow stuff) I buy only with a coupon but I sometimes see have coupons for “buy 2 get 1 free.” I stock up on those as well as bathroom wipes. (We have spoiled tooshies.) I’ve yet to buy diapers without a coupon. I’ll actually wait and buy them the next time I to go the grocery store if I’ve forgotten the coupons… I just won’t buy them without a coupon. The way I avoid running into problems is to always have the next pack in the closet. As soon as I open that package, “diapers” go on the list and I buy them even if I’m not close to running out.

      And Candace, I’m sure the bagger knew you were a newbie. I still struggle each time with how much to tip. It’s sometimes awkward, but I do enjoy not having to load the car…

  6. I do have to say that I love the coupons you pass to me and I was able to save all the monies we needed for our vacations and not dip in any other envelop…LOL….and still came out with $255.00 that we didn’t use…so Yes, I THANK YOU for sharing and telling us about FPU!!!!

  7. Sybil Kee says:

    Jen,
    I am so proud of you. You are the BEST!!!!!!!!!!!!!!!!!!!!!!! at so much.

    Love you,
    Sybil

  8. Pingback: Coupon fun. | thehamricks

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s