Being {Financially} Different

It’s not easy to be different. We learn that in the awkward middle school and high school years. Most people don’t have a goal of standing out because they are different. As an adult, I never really thought about being different or fitting in. I guess that means I’m fortunate to have found people who I had connections with – in college, in my career, and as a parent.

Seven years ago, we decided to be different and took Dave Ramsey’s Financial Peace University course. We learned that it’s ok to be weird with your finances and we wanted to be different. We made decisions about our future and our financial goals. We’ve been faced with a few tough decisions over the years, where peer pressure felt pretty strong. Admittedly, it’s a struggle in the beginning with wants over needs versus long-term goals. Our long-term goals have us living a future life that we get really excited about. It can be really hard to pass up a fun opportunity now for a future that you can’t quite touch. But, after some time to really think about it we both come to the same conclusion…most temporary things aren’t worth the financial setbacks when we think about our long-time goals. Sticking to a budget and our financial “morales” of not spending cash that we don’t have will always be the right thing for our family. If we really “need” it, we can save up for it.

One of the things I’m most proud of is our focus. We haven’t gotten distracted by exciting new things. We may not always create a monthly budget and we may have months we spend more than we realize, but our focus doesn’t change. We have multiple savings accounts with automatic monthly transfers to ensure we continue to fund our dreams. From 401K to college for the boys to car fund to holidays/gifts and even a basement fund. {Another thing I’m REALLY proud of. Paying outright to finish our basement. The majority of it has been done by my husband, but the things he has hired out came from our basement fund!} We both have wants and it can be a bummer when we “can’t” buy them, but after a few days of wanting you realize that you don’t actually need it. We have a house full of stuff that I’m constantly putting away, sorting, organizing, and cleaning. We aren’t deprived of anything.

The latest fashion or car isn’t something we needYes, we have our wants for a giant SUV vehicle. We’ve wanted it for more than five years {and maybe I’ve wanted it for most of my life}, but we don’t need it. Right now, a minivan {also not in my original life plan} works perfectly for our family. One of my children has spent the past year crashing his door into my van every time he gets in or out of Bryan’s car. Both of our vehicles are used and we’ve had them for more than 5 years. If they were new, we’d both be sick about it. But instead, it’s part of living with small, reckless children. And also proof of why one of our vehicles doesn’t have doors they can open…We’ll get our dream vehicle one day, when everyone in our house can appreciate and respect the vehicle. But also after we’ve saved for the vehicle. Because those are the things that are important to us. Living a life that’s a little different and maybe not as fun now so we can truly live a life we deserve later.

You won’t always find yourself surrounded by people who share the same opinions. The beauty of life is that everyone gets to make their own decisions and live the life they want. I do hope you are surrounded by people who respect you and your “weird” life choices. You can swap out “finances” with anything – type of school, health beliefs, fitness, food, clothing, anything. It’s important to surround yourself with people who are supportive of your dreams and lifestyle – no matter how weird they are.

Do you have any lifestyle preferences that make you different from your friends? Or do you surround yourself with like-minded people? 

Advertisements