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Money Talk With the Wifey

Mocha art from Green Bliss Cafe

The other day, I had the pleasure of having a lunch date with the wife. I know this may sound like it’s no big deal, but with our busy work schedules and kids, it has been few and far in between that we have had a meal to ourselves. Since I was post-call and my wife did not start work until the evening, we decided to drop the kids off to daycare and spend some quality time together before she headed off to work.

My wife and I like to try new food places. We decided to try out this new place in downtown Fullerton called Green Bliss. We’ve seen this place being built over the summer and wanted to try it out once it opened. This cafe is all about being eco-friendly, which we like! Their coffee and food are mostly organic and are from local farms around the area so the menu is seasonal. Everything is geared towards reducing their carbon footprint. Also, they provide free WiFi! My wife liked the ‘coffee-art’, even though she is more of a tea drinker. Oh yeah, the food was delicious! Try the curried chickpea salad panini with a pour-over coffee next time you are there!

Mocha art from Green Bliss Cafe

It was a nice little reprieve to have a meal with just the two of us. We love our little girls a lot, but we need some adult time also. We were actually able to enjoy our meal and not rush to eat it.

We talked about our finances and where we were with our goals. As we are steadily paying down our debts this year, we also decided that we needed to save for a home this year. With the interest rates very low, and the housing market at the cusp of rebounding, We feel that it is the best time to get into a home. I know that this will add to our debt, but we both feel that having a home in which we can raise our kids is worth it. So we have been somewhat frugal this year to pay down our debts and save for a home.

“Short-term Sacrifices for Long-term Goals”

We have made some sacrifices this year to accomplish these goals:

  • We did not take any vacations this year
  • We only bought clothes out of necessity
  • We have been eating out less
  • We are cooking more at home

We are also sticking to a budget more and trying to find any places to reduce our monthly outflow. We follow Dave Ramsey and implement his Debt Snowball with some slight tweaks. I will write a post in the future about our budgeting and the tools we use (YNAB). Until then, Thanks for stopping by!

What are you willing to give up to control your finances? What tools do you use to stay on a budget?

{ 6 comments… add one }

  • Gary C September 9, 2012, 9:45 am

    Sounds like a good plan! I have some audiobooks you guys might be interested in. Let me know and i”ll send them to you.

    • Ron September 9, 2012, 4:58 pm

      Which audiobooks do you have? I’ll take them! I can listen to them during my commute!

  • Nurse Frugal September 10, 2012, 4:37 pm

    Downtown Fullerton? One of my jobs is at St. Jude in Fullerton….I didn’t realize you were in Southern California! Crazy!

    • Ron September 10, 2012, 8:19 pm

      Yeah, I live in North Orange County! It’s a small world. I probably live 10 min from St. Jude. I go out that way to run sometimes, good trails around that area!

  • MyMoneyDesign.com September 12, 2012, 6:07 pm

    Talks with the wife are great! It’s when the two of you finally get on the same page and start working together towards that common goal. My wife and I usually take a walk in the evenings with the dog to talk about this. But usually we just vent to each other about our jobs! I love her!

    • Ron September 13, 2012, 10:41 pm

      Yeah, It’s a blessing to have someone that is on the same wavelength as you. It makes decision-making a lot easier, especially when it comes to money! Thanks for stopping by my blog. I appreciate it!

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