Everyone has a weakness, something that tempts you no matter the consequences. When you are trying to stay on a budget, temptation seems to pop up everywhere. Lately I’ve been tempted to spend all over the place. Cute maternity clothes call to me from the racks saying, “You need cute clothes, buy me!” And there’s the baby stuff. Oh, the baby stuff. It calls to me from the stores and my inbox saying, “Doesn’t your baby deserve the best? If you want to be a good mom you’ll buy me. Aren’t I the cutest thing you’ve ever seen?” We also get tempted by budget busters like vacations and dining out, things we “deserve” because we have been so frugal.
How do we deal with all of this spending temptation when we are trying to save for our first house and baby?
We do our best to stay on budget, and we keep our budget flexible adding and changing things when needed. We are going on an overnight getaway soon, a little babymoon, so we budgeted for it over several months so we don’t have to stress about the expense. I got a little extra clothing money last month so I could buy more maternity clothes. We are putting off as much baby spending as possible until after our baby showers, and budgeting some each month so that when we need to buy stuff we will have the cash ready. We struggle daily with the temptation to forget our budget and spend whatever we want, because we do have a big savings fund. Sometimes it is hard to not spend because we worked so hard to save up that money and be debt free. I think what really keeps us grounded is that we are on the same page with money all the time, and make sure to work through it if a conflict arises. This has been the best thing ever for our marriage and our finances.