We are still at the point of feeling like we live paycheck to paycheck. I think it will be a few more years before we feel more secure financially. I wonder if we will ever feel fully secure though. When did you start to feel financially secure?
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When we paid off my credit card and our cars. Less debt makes us feel much more comfortable. Our only debt now is our house.
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When we hit a certain amount in savings. We had a goal we wanted to meet by the end of the year and we met it. Now both of us feel much better about things.
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When we got good and diligent about living ona budget. Now with a baby we haven't stuck to it but its a new year so we are trying to improve.
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When DH and I got engaged...he is/has been very financially secure, and once we were engaged, I began to think of his financial security as "our" security.
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After our wedding was over, I felt way more secure because we had no new major expenditures coming up and just had to pay down debt. Now 2 years post wedding, we are debt free except for the house and cars, and we had enough money this year to do some major work to our house and still go on a week vacation.
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After our wedding expenses!
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I still don't feel totally secure but we are so much better off than we were even a year ago. I finally paid off what started as $20,000 in cc debt, DH paid down $12,000 in cc debt to around $3,000 thanks to a work bonus, we own a house, and we have a decent amount in savings (we had zero 2 years ago). We still have my student loans and car payment and DH needs a new car bad - his is a money pit. And we're about to have a child! But I feel less tenuous than ever before and i think we've developed good habits and are moving toward our goals.
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I don't.
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When Mr. Jacks and I started becoming serious, we spent a lot of time looking at and optimizing our finances. That's when I started feeling secure. It wasn't that we had a lot of money, just that we knew we could handle whatever came our way together!
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I'll let you know when that happens!
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Yeah, I think we're years away from that feeling.
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When I got married.
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After we bought our house.
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yeah so not there either!
It will involve paying off our main CC, the car loan and student loan. And me working too probably.
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I have no idea when that will happen, but I look forward to a day when I am!
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In my mid 20s when I saved a goal amount in case I turned 30 and was still single and had to consider having a baby on my own. Well the DH came before my self deadline and I do not feel as financially secure. We like stuff and indulged a bit too much and stuff costs. I will turn us back into hoarders though.
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In my mid/late 20's. After having a secure job for a few years, I figured out how to pay the bills, spend some money on entertainment and save a bit. It is also around the time my then boyfriend, now husband, and I began to get serious and started to save together. It was great practice for marriage because we rarely argue about money.
I think that feeling comes at different times for everyone though. I think it has a lot to do with how you grew up and what your family's attitude toward money was. -
We are sort of there right now. Sort of as in, DH made the most he's ever made this past year, so there's that. But we didn't see much of it since we had another baby and had to pay for hospital bills + bought a new car. We have been a lot more comfortable this year. We have about 2k in cc debt to pay off though and I want to have more in savings (we've dumped all of our savings into our house lately).
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I'm totally with @Mrs. Jacks: on this one. We sit down and make financial plans together, DH handles the bill pays and I look at big picture. We prioritise what's important and are fortunate enough to be able to manage to fulfill all that is important to us.
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