Sacrifices

Hi baby girl,

This sweet face makes any bad day instantly better! :-)

Today was difficult. All overtime for your dad was cut and it really put life into perspective. We depended on that money. I'm sure we would be fine financially, but it would be tight. Living paycheck to paycheck. We would not be able to save money for a house or get ahead on our car payments. If something were to happen to the cars or God forbid, you or us health-wise, we wouldn't have the extra money to cover it. We figured we would start getting ahead now, instead of waiting until we are in trouble.

So we made a big decision today to quit living lavishly. We cut down on our phone bill, cut our cable by $130, cut a few extra bills that we don't need right now and are looking into selling one of the cars. We decided it would be best to start stashing money for a rainy day.

I'm telling you this, because I want you to realize that you are our priority. I would hate to not be able to afford to buy you the diapers you need or the shots that you need because I drive a really nice car that I can't sell because I owe more than it's worth. You deserve the best, better than the best.

I don't need HD TV, 1000 channels, DVR and on demand. We were spending $210/month on cable...that's over $2500/year...and in 5 years that's $12,600! ...A down payment on a house.That's just from cutting down on one bill. :-)

Hopefully, we will be good stewards of our money and will set a good example for you. I don't want to cut back on things just to save, I want you to grow up in an environment where you realize what really matters. I want you to handle the money you are blessed with in an honorable manner.