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The unglamorous side of budgeting

I feel like budgeting is something that is always talked about with high esteem. It is something that is sought after, and it is something that grown up, wise people do. When I decided to stay home with Lillian, I went from having a job with a decent salary to nothing. I went from getting my bi-weekly deposit to an allowance from my husband. I am not complaining, I am merely stating that life changed big time. The need for budgeting hit us almost instantly, and it wasn’t an option.

Budgeting is hard. It is very revealing of my selfishness that I try and bury deep down. Budgeting often forces me to be humble. It often makes me realize how much of what I “want” is truly luxury and unnecessary.

When Christmas came last year, I was in a fit over the fact that for the first time in years I would not be able to give people what I wanted. I felt like I had to explain to everyone why I could not buy them fancy things.

When we have guests in town, I want to be able to run over to Whole Foods and pick up a nice wine, cheese, bouquet of flowers, and chocolates for them. I want to lavish the people in my life with little gifts of love.

I have found that the struggle most lies in my contentment. I find that I struggle with budgeting most when I feel discontent with my relationships, with what I have been so graciously given, or with myself in general. When I truly look around I realize I have all I need. I am blessed to have a healthy and beautiful family that I adore, a husband who works hard for me so I can stay home and raise my daughter, and a home over our head. We eat three healthy, home cooked meals a day. We get to eat dinner out a couple times a month, which is really nice. We also host a meal or two here and there for friends and family, and do our best to make something home made and delicious.

My discontentment comes lurking in when I get a sudden call from a friend who wants to grab sushi and happy hour, or when I am invited to a long weekend away in a hotel that might cost me my entire month allowance. For some reason I struggle to tell people I cannot afford to do these things right now in my life. I struggle to admit that I am not in a place to live glamorously. I struggle to be content with where I am at.

My pride comes poking out of me and I want to be able to go buy a new outfit, or spend $50 over dinner and drinks with an old friend.

I have all I need. More than what I need. Even as I type this I am humbled by my pride and selfishness in my response to budgeting.

Living simply is beautiful. Budgeting is a good thing. It is a way to love my family and ensure that I am putting them first. Not saying “yes” to every offer is wise. Knowing our needs is important.

I just struggle in the grey area of being too frugal and greedy and sticking to my plan and wanting to be free with my money and generous. The area gets all muddy and icky, and my heart gets that way in the process, too.

Why do I need to buy people things in order to feel good about my relationship with them? The people who have most profoundly impacted me did so with their presence, their love, time and affection. They never bought my love. They were generous with their heart.

If you are feeling like me, a little worn with trying to stick to the course of budgeting, please know you are not alone! It is a difficult path to take in an age of instant gratification. I often feel the pressure coming down on me to try and “keep up with the Jones'”.

These verses get me back on the right path. They remind me of what is important, and what is fleeting. They remind me where to set my mind. These truths anchor me. Money does not buy happiness, and the more we have the more we want. I have all I need. Contentment is what I seek.

Proverbs 25:28
He who has no rule over his own spirit is like a broken down city without a wall.

Matthew 6:31-33
“Do not worry then, saying, ‘What will we eat?’ or ‘What will we drink?’ or ‘What will we wear for clothing?’ “For the Gentiles eagerly seek all these things; for your heavenly Father knows that you need all these things. “But seek first His kingdom and His righteousness, and all these things will be added to you.

Philippians 4:11-13
For I have learned to be content, whatever the circumstances may be. I know now how to live when things are difficult and I know how to live when things are prosperous. In general and in particular I have learned the secret of eating well or going hungry of facing either plenty of poverty. I am ready for anything through the strength of the One who lives within me.

Hebrews 13:5
Keep your life free from the love of money, and be content with what you have.

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  • Reply Heather Leigh

    Love these verses girl!! :)Great post!

    May 28, 2013 at 7:13 pm
    • Reply Tiffany Cutcliff

      Thanks Heather! Hope all is well with you and your family!

      May 30, 2013 at 9:13 pm
  • Reply Erica {let why lead}

    I loved this post! When I first saw that it was about budgeting, I assumed it would be some tips and tricks, which would be great, but I was more pleased to find it was about your heart. I think everyone who has been on a budget can relate to how humbling it is. But this is a great perspective, focusing on what we do have.

    May 28, 2013 at 10:10 pm
    • Reply Tiffany Cutcliff

      Thanks Erica! I suppose it probably was a little misleading. I really appreciate your comment because I really was getting at the heart. Budgeting is humbling. I appreciate hearing this!

      May 30, 2013 at 9:14 pm
  • Reply lost in travels

    this post is amazing. i too struggle with being ‘content’ with what i have. i have all i need and we’re strict budgeters. sometimes i want to throw it out the window and go to a fancy dinner but that is when i not only lose track of scripture but also our future goal with our budgeting. thanks for this post!

    May 29, 2013 at 12:24 am
    • Reply Tiffany Cutcliff

      Hi! Thanks so much girl! I am so encouraged to hear other people struggle with this too but also faithfully budgeting. Good luck!

      May 30, 2013 at 9:15 pm
  • Reply Christina Marie

    What an on time God! I am 25 years old and I live on my own. Just this evening, I was at dinner with my parents and whining/complaining about budgeting and finances and the stress that comes with all of that. I told them stories of my worry and how I feel like I need to rob Peter to pay Paul. It was surely God who led me to this blog entry … and your words truly touched my soul and spoke to my place of worry. Thank you for posting this – it was exactly what I needed to hear! I am glad I am not alone 🙂

    May 29, 2013 at 3:50 am
    • Reply Tiffany Cutcliff

      You so made my day with this comment! I love when worlds collide and we are able to encourage one another- and over the web! So cool. You are not alone! 🙂

      May 30, 2013 at 9:16 pm
  • Reply Gina @ Holding the Distaff

    Yeah, that transition from double income and no kids to one income with kids is pretty rough – and we have a fluctuating income, to make it worse!. I fight the balance between being a control freak about the budget and leaving room for faith (like the biblical widow who sacrificed everything she had by giving her two coins to God). I’ll let you know when I figure that one out (i.e. never).

    May 29, 2013 at 7:35 pm
    • Reply Tiffany Cutcliff

      It is so rough Gina! Wow- good for you guys for enduring during rough times. I am so there with you… that is my exact struggle! Faith. So hard to keep it sometimes!

      May 30, 2013 at 9:16 pm
  • Reply Mandi Roach

    Oh how I can relate! I’ve been where you are now — I stayed home for approximately 2 years with my older children. Though I budgeted wisely and made good use of what we had back then, I too felt resentful when I couldn’t participate in the lavishes my friends were experiencing.

    Looking back, it was so worth it! Those are precious moments I will never again have with my kids.

    There will plenty more opportunities for sushi dinners and weekend getaways — I promise. For now, being present for your beautiful daughter is priceless.

    May 30, 2013 at 2:29 pm
    • Reply Tiffany Cutcliff

      Hi Mandi! You are so right, the time at home is precious indeed. Haha thanks for this reminder. I love hearing this. I love your faith! It has been so neat hearing you tell me things like “relax” and sending me scripture! You are amazing:).

      May 30, 2013 at 9:17 pm
  • Reply Lyndsay FizzyPeaches

    Hi Tiffany,

    I couldn’t believe it when I read this post. Just now I had a long talk about money/budgeting with my partner, unfortunately one that turned into a heated conversation, verging on an argument. Money if we let it can stress us out so much, and drive us apart! Then I found your blog post, we have both read it and it put things massively into perspective for us. Beautifully written, you are right, the smaller things in life are those that matter, we have a home, 3 cooked meals on the table each day and each other. The rest is just a luxury.

    Thank you for such a great post. Oh and I’m a new follower from the Blog Hop by the way! Nice to meet you 🙂

    Lyndsay xx

    June 1, 2013 at 11:04 pm
    • Reply Tiffany Cutcliff

      Oh! I am so glad you shared this! Thanks for telling me! I am so glad that we connected on this topic. It is so hard- I actually had a “moment” right before I read this comment- and you literally made my night. I hope all is better and am so glad to hear you and your partner were able to see eye to eye and make up. That is wonderful.

      Following you back and thanks again for stopping by!

      June 2, 2013 at 3:31 am

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