Creative Journal – Entry Twenty-eight – Money
Sunday, November 08, 2009


Money is something of which I wish I had more. There are so many good things that money can afford. I am fortunate to have the money I do, and I count that a blessing daily. However, more money would allow me to do things I cannot at present do. Most importantly, if I had more money I would pay off the debt I owe my mother. It would be so good not to have that hanging over my head. I am paying on the debt steadily, but with the little I can do, it is not disappearing very quickly. I should never have borrowed so much from my Mom, but without her help, I would not have many things I enjoy.


Even though my money is very limited, I have what I need, and some of what I want. I cannot do all the things I would like, but even so, I do not suffer. If I had more money I would be tempted to move into my own place and that would not be good for my Mom. She needs me with her 24/7. At least, I would be able to take a vacation if I had more money. That would be a wonderful thing, just to get away and see somewhere different for a few days. If I had more money, I would not worry so much over every cent I spend. I could relax a little when I go out to shop. Maybe not everything I bought would have to be on sale. Although, even had I lots of money I think I would be a bargain shopper. I like the thrill of saving money and getting things for a fraction of what they were supposed to cost.


Since I went through Financial Peace University last year, I have been able to use my money more wisely. I earn $790.00 a month. I give $300.00 to my Mom to help pay expenses and pay down my debt. I am trying to save $50.00 to $100.00 a month. My bill for internet and phone is around $75.00 and my MSN service is $9.95. My prescriptions are $35.00 to $40.00 a month. That leaves only a small amount of money to spend on groceries, necessities, and things I want. This month I had to pay $111.00 in insurance for my Buick. Therefore, I must be very careful of what I spend this month. Last month I finished with $4.00 in my wallet and $0.29 in my checking account. That was a good month because I saved $100.00. I am hoping to get my teeth cleaned at the clinic this month and that will be $50.00. When it is all written out like that, it is amazing I am able to make do with the amount of money my Social Security Disability provides. The money I save is my emergency fund and I periodically have to use it for things that are beyond the normal expenses I incur. Before Financial Peace University, I did not save any money and I did not give Mom as much toward my debt. I am trying to be more responsible now. It is an extreme balancing act to live within my means. I hope one day I have more money, but because of this time in my life, I will be better able to use extra money wisely.


I am happy that I have any money of my own. Since 1997, my Social Security Disability has provided for me and for Alex until he entered the Marine Corps. I do not know what we would have done without the money. I still rely on it. I know it is a wonderful blessing.


Money is an extremely good thing as long as it is used with care.


Jo Ann

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