There are a lot of things we want and need in this life. Most of the BIG things usually take some careful planning and some cold hard cash. I used to be one of those people that felt like my life just ran me around and whatever happened, just happened. But, my husband, who is the eternal optimist to my eternal realist, influenced my thinking by making certain dreams of mine come true right from the beginning of our marriage! Starting with a dream I had of going to Hawaii.
He is not a magician. He just showed me by looking into something you want and finding out what it will take to get it, is how you make things happen. Once you know what it will take--you have a goal to achieve!
Entertainment - When you are young and have no bills or worries, most of your finances go to entertainment. Whether its the movies, video games or going out with friends, it's what you lived for. When you are an adult, with a family and bills to pay, entertainment can take a drastic drop on the scale of what's important. However, we all still need a break and some fun in our lives. So, now you have to plan when you can do something not only because of time, but with your finances too. For me, when I want something frivolous, I will plan ahead and put some cash aside so I can do it. It took me years to get to this point because anything that is just for fun seems so unnecessary at times. But, if you have SAVED for it, it's being a good steward to use your money for what it was intended for, right?! So that is what I do. Sometimes you just need to see Peter Frampton again or go on a date with your spouse. So put aside your cash and do so!
Close and Far Travel - This can be a big, costly thing. Buying a car or travelling at all any other way--can put a big dent in your bank account. For those of us who have made a mess of credit in our lives, it can be something you pay for long after the car's newness wears off or the trip happened. We learned the hard way with this. After dealing with a horrible debt we had, we learned to save ahead for things we need and only use credit for a short short short period and pay it off fast. When we have planned like that properly, not only are we more particular about where or how we spend that hard saved cash, but, it seems that it is actually less time between the saving for something than there was to pay off something. Saving (like debt) snow balls...once you are good at it, it just keeps on happening!
A Home - To save for a home is really a much harder and longer task it seems. I have yet to pay cash for a home, but, we have been able to get better at coming out farther ahead after a few homes and to be honest, it has been worth it this time to have had some extra money to fix up our home the way we have wanted to. Do we have a mortgage? Yes, we sure do. But, our payments are well within our means so we can still save and plan for the other things in our lives.
So when you want something BIG in your life, start saving for it! See what it will take and see how BIG you can save! Whether it's a Broadway Show, trip to Italy, a new car or your dream home, it's well worth it to start putting the money away for it. As my wonderful husband has taught me "where there is a will....there is a way".