This past Shabbat, I got to spend time with an old friend, whom I haven’t seen in forever. She started reading KOAB back in the beginning and has been a huge source of encouragement to me.
Over Shabbat dinner, she told me the most amazing thing. She told me that by following the basics that I talk about on KOAB – menu planning, budgeting, being intentional, deal shopping at drug stores, and using coupons – she has managed to quadruple the amount of money that she puts into savings every month and double the amount that she gives to tzedakah.
I am so blown away by her awesome accomplishments. She is doing the hard work – and she is changing her financial life.
As many of you know, my husband and I changed our financial lives when we decided to get out of debt and create an emergency fund. We are still far from perfect when it comes to managing our money. We still get disorganized and even sloppy from time to time. We struggle to balance our short-term wants with our long-term needs. Our retirement savings is still frighteningly small and our “giving” category is not as generous as either of us would like.
But thanks to couponing, drug store shopping, saying no to ourselves (and our kids), and having that safety net of an emergency fund, we are continuing to live within our means and save for our and our children’s future. It may not be glamorous, but yes – we are living like “no one else” (thank you, Dave Ramsey).