Money Can’t Buy Happiness?

Money Can’t Buy Happiness? We’ve all heard the phrase “money can’t buy happiness.” I would love to believe that, but I’m not really sure I do. We’ve all heard the phrase “money can’t buy happiness.”

I would love to believe that, but I’m not really sure I do. I spent most of last year without a lot of money. But I had very few expenses so I made enough to support my lifestyle at the time.

This year however has been different. Knowing I was going to have a child, I obviously had to put down some roots. This meant renting a house. Along with the house comes money needed for utilities, upkeep, and several expenses that I haven’t had for a while.

Having my baby a month early cut my preparation short as I was relying on those last four weeks to make money to get me through those first few months with a newborn.

When Coura was born, I had a little money saved, but after four weeks of not working, that money was gone. The next six weeks for me were full of stress, anxiety, and overwhelm because I had no money for anything other than the bare necessities.

I would “try “working at first at night while I was feeding Coura, and then during the day while she was napping, but that ended quickly as I was exhausted myself and needed more than 3 to 5 hours of sleep in a 24-hour period. I was tired, I was gaining weight from eating crap from being tired, and I was stressing myself, and I’m sure my baby, in the process.

My friends kept saying to me “taking care of your baby is your number one priority, that’s all you should be thinking about, you don’t need to be working right now, that’s why people take maternity leave.” But a lot of people who take maternity leave are getting paid for it. Since I own my own businesses, I wasn’t!

Essentially if I needed food, supplements, dog food, clothes, or to even pay my bills, I had to ask for help. This literally made my stomach sick just thinking about it. I don’t often wait until the very last second, and by then I was in emotional wreck, so my asking for help usually ended up as a cry fest and me feeling like a failure, worthless, not good at anything, and unable to take care of myself or my baby.

When Coura was two months old, I was given the opportunity to start working again. It would be a total of about four hours a day, and was a challenge to make it work, but I just kept looking at the money that would be coming and, even small amounts, to take the edge off of how I was feeling.

Some days after just a couple hours of sleep, I would have to get up, feed and change Coura, pack her up and take her to grandma’s, and then drive over an hour to coach. I typically don’t do well on four or six hours of sleep, but I knew when I saw money coming in, to contribute to my life financially, it would all be worth it. And it was.

When my first paycheck came in, I was able to catch up on many of the things I had been behind on like my vitamins, supplements, healthy food, fruits and vegetables, dog food, formula, diapers, full tank of gas, oil change, soap, shampoo, and a few other things I had been skimping on over the previous couple months.

That paycheck was gone within minutes, but huge weight was lifted off of me. I felt better, and happier, than I had in weeks, despite my fatigue and lack of upkeep and other areas of my life. That little amount of money, made a huge difference in my life. It gave me hope , peace of mind, and I felt like I could breathe again.

So did that paycheck make me happier? You bet your ass it did!

Not having money takes a lot more time, effort, patience, and energy, none of which I had being a new mom.

I have been working consistently now for the past 3 months and it has made a world of difference. This month is the first month since Coura was born that I have enough money to pay ALL my bills and my expenses!!! And YES! That does make me happy!!!

If you feel hopeless or frustrated about money, just start somewhere (anywhere) to bring in a little more! There are so many opportunities today with the internet and small jobs here and there that may not seem like they will be helpful, but they are!

Remember…baby steps…ALWAYS!!!

WE GOT THIS!

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The Pretty Girl Book Club: April 2015

Pretty Girl Bookclub April 2015“Live like on one else so later you can live, and give, like no one else” –Dave Ramsey

Our April 2015 Book Club book was “The Total Money Makeover: A Proven Plan for Financial Fitness” by Dave Ramsey

Category: Money/Finance

I chose this book because I am a huge Dave Ramsey fan. I attended his live program “Financial Peace University” years ago and have been listening to his podcast regularly for the past 2 years.

Dave has been giving financial advice on his radio show for over 25 years. His advice is very simple and old school. Basically spend less that you make and if you want something, save for it. Genius!

The synopsis of the book on Amazon.com sums it up as…

If you will live like no one else, later you can live like no one else.

Build up your money muscles with America’s favorite finance coach.

Okay, folks, do you want to turn those fat and flabby expenses into a well-toned budget? Do you want to transform your sad and skinny little bank account into a bulked-up cash machine? Then get with the program, people. There’s one sure way to whip your finances into shape, and that’s with The Total Money Makeover: Classic Edition.

By now, you’ve heard all the nutty get-rich-quick schemes, the fiscal diet fads that leave you with a lot of kooky ideas but not a penny in your pocket. Hey, if you’re tired of the lies and sick of the false promises, take a look at this―it’s the simplest, most straightforward game plan for completely making over your money habits. And it’s based on results, not pie-in-the-sky fantasies. With The Total Money Makeover:

Classic Edition, you’ll be able to:

  • Design a sure-fire plan for paying off all debt―meaning cars, houses, everything
  • Recognize the 10 most dangerous money myths (these will kill you)
  • Secure a big, fat nest egg for emergencies and retirement!

The book is 240 pages long and was an easy read.

The book was pretty much what I had imagined since I have been a Ramsey follower for years. He outlines the simple steps to financial success and gives plenty of examples and testimonials to seal the deal. He also includes all the forms for budgeting and calculating that he teaches in the book.

I would HIGHLY recommend this to anyone who struggles with finances…especially if you (I) keep making the same stupid financial mistakes over and over! Listen to someone who has been both broke and wealthy! He knows what he is talking about.

Here are a few words from others who have read this book…

“It’s a good blueprint to money management. What I liked about it was that it was broken down in 7 steps. You’re encouraged to save first, which is different from most money management books out there. From there you continue to build on your new money habits. Using cash and tracking your spending is the essence of the book.

– Elmire

“Simple. Everything he says makes sense.”

– Robyn

I listen to the Dave Ramsey podcast daily. It’s called “Take Control of Your Money”. And I am preparing to lead an FPU later this year. So I may read the book again for that, but get my daily dose of inspiration, motivation, and butt-kicking in the podcast!

Order “The Total Money Makeover” here…

http://goo.gl/0hQH1r

About The Pretty Girl Book Club…

http://www.foodfitnessfinancefun.com/fun/the-pretty-girl-book-club/

Our upcoming books…

http://www.foodfitnessfinancefun.com/the-pretty-girl-book-club-book-list/

Here is the link to join the Book Club…

http://www.facebook.com/PrettyGirlBookClub

See you there!!