Welcome to The Chronicles of the Fiscal Misfit! Within these "pages" I will take you on our journey from living paycheck to paycheck and coming short every month into what we hope will be financial freedom and the building of wealth! But before we get into all that perhaps I should introduce myself!
I am the Fiscal Misfit! I'm also a 30-something mother of 5 wonderful children and wife to Hotsauce. Hotsauce has filled my life with laughter, love and challenges! I will try to avoid all things sappy, but will say that I wouldn't be me without him and that I praise God daily for him. "Bean" is our oldest and at the age of 9 she is my biggest helper. Bean's nose is almost always in a book and being a typical first born she desires perfections in all areas of life. Next comes "Saucypants" and at the age of 7 she loves all things beautiful. Beautiful, but not necessarily matching or with brushed hair. She's also developing a love of reading and has the gift of encouragement and is the family cheerleader! Our first born son is "Chubba" who had very chubby cheeks as a baby, but has "outgrown" the name and into a string bean! Chubba is my 6 year old wrestling, Wii playing, TV watching, freckled nose boy! Next in line is "Lumpy" who found his nickname through many bumps, lumps, bruises and all boy accidents. At 4 years old he has had more injuries then all 4 of the other Turkey Bottoms combined. He has huge blue eyes and long eyelashes that are to die for!! Finishing up the line up is "Mo-Mo" our joyful bright-eyed 3 year old. Mo-Mo is our "afflicted" child and while the nurses in our local ER know Lumpy for his need for stitches, Mo-Mo is known for his battles with RSV, Pneumonia, and every other respiratory problem known to man. Mo-Mo is a very smart, joke telling toddler who is well loved by all of us!
Why a Fiscal Misfit? I will unravel my story through my posts, but I will just say that I never had any training in fiances and what little training I did receive I thought was boring and didn't pertain to that part in my life. For instance, I remember a few lessons during high school math and economics that taught how to balance a checkbook. But, I didn't have a checkbook to practice with. When I finally got my first job and my first checkbook, I didn't have enough money coming in or going out to "need" to balance my checkbook! Ugh! Was I ever wrong!
I was 23 when I married Hotsauce. Prior to us getting married I had 3 student loans (one in my mom's name) and a credit card that carried a balance around $4,000. That $4,000 consisted of eating out, buying shoes and clothes to match, entertainment and gas. You know, the necessities of college life! I rarely paid the balance on that credit card, because I hardly ever knew how much money was in my checking account. Also I thought if I didn't open the envelope with my credit card bill then essentially I didn't owe them money. I call it the Ostrich approach... as long as my head is in the sand and I never told anyone ... I was safe. Ugh! Was I ever wrong!
Now I can give you a trillion gazillion examples of "Ugh! Was I ever wrong!" when it comes to money (and marriage, and parenting, and my walk with God and well let's just say life!). But this blog is not about glorifying my wrongdoings so much as it is to give you hope! It's to inspire you as you walk with us out of our current fiscal misfit status into recovered fiscal misfit! As I have shared with friends and families the things we are learning I have been amazed at the number of others who find themselves drowning. It's not as though we wanted to find ourselves in the place that we are in, it's not as though we hadn't cried out for God's help time and time and time again... we just didn't have a plan. We didn't have the "skillz" to claw our way out!
So we are calling on our Fiscal Misfit friends to join us on our journey, to learn the things we are learning and together let's live the way God intended us to live!
I am the Fiscal Misfit! I'm also a 30-something mother of 5 wonderful children and wife to Hotsauce. Hotsauce has filled my life with laughter, love and challenges! I will try to avoid all things sappy, but will say that I wouldn't be me without him and that I praise God daily for him. "Bean" is our oldest and at the age of 9 she is my biggest helper. Bean's nose is almost always in a book and being a typical first born she desires perfections in all areas of life. Next comes "Saucypants" and at the age of 7 she loves all things beautiful. Beautiful, but not necessarily matching or with brushed hair. She's also developing a love of reading and has the gift of encouragement and is the family cheerleader! Our first born son is "Chubba" who had very chubby cheeks as a baby, but has "outgrown" the name and into a string bean! Chubba is my 6 year old wrestling, Wii playing, TV watching, freckled nose boy! Next in line is "Lumpy" who found his nickname through many bumps, lumps, bruises and all boy accidents. At 4 years old he has had more injuries then all 4 of the other Turkey Bottoms combined. He has huge blue eyes and long eyelashes that are to die for!! Finishing up the line up is "Mo-Mo" our joyful bright-eyed 3 year old. Mo-Mo is our "afflicted" child and while the nurses in our local ER know Lumpy for his need for stitches, Mo-Mo is known for his battles with RSV, Pneumonia, and every other respiratory problem known to man. Mo-Mo is a very smart, joke telling toddler who is well loved by all of us!
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| Chubs, Bean, Mo-Mo, Saucypants and Lumpy! |
Why a Fiscal Misfit? I will unravel my story through my posts, but I will just say that I never had any training in fiances and what little training I did receive I thought was boring and didn't pertain to that part in my life. For instance, I remember a few lessons during high school math and economics that taught how to balance a checkbook. But, I didn't have a checkbook to practice with. When I finally got my first job and my first checkbook, I didn't have enough money coming in or going out to "need" to balance my checkbook! Ugh! Was I ever wrong!
I was 23 when I married Hotsauce. Prior to us getting married I had 3 student loans (one in my mom's name) and a credit card that carried a balance around $4,000. That $4,000 consisted of eating out, buying shoes and clothes to match, entertainment and gas. You know, the necessities of college life! I rarely paid the balance on that credit card, because I hardly ever knew how much money was in my checking account. Also I thought if I didn't open the envelope with my credit card bill then essentially I didn't owe them money. I call it the Ostrich approach... as long as my head is in the sand and I never told anyone ... I was safe. Ugh! Was I ever wrong!
Now I can give you a trillion gazillion examples of "Ugh! Was I ever wrong!" when it comes to money (and marriage, and parenting, and my walk with God and well let's just say life!). But this blog is not about glorifying my wrongdoings so much as it is to give you hope! It's to inspire you as you walk with us out of our current fiscal misfit status into recovered fiscal misfit! As I have shared with friends and families the things we are learning I have been amazed at the number of others who find themselves drowning. It's not as though we wanted to find ourselves in the place that we are in, it's not as though we hadn't cried out for God's help time and time and time again... we just didn't have a plan. We didn't have the "skillz" to claw our way out!
So we are calling on our Fiscal Misfit friends to join us on our journey, to learn the things we are learning and together let's live the way God intended us to live!
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