When preparation meets opportunity.

We finally made out a budget today.  Stress was shown within just a couple of minutes after beginning the exercise.  We are behind on the mortgage. Our bank account is negative $430.  We have $250 to live on for the entire month after 2 months of mortgage, the bank, the utilities and all the minimums on credit cards are paid.  We were planning on doing so many things in June. Most of them got deleted from our itinerary because a lack of money.  We were going to go to Colorado with some friends, spend some time in LA and then we were going to go visit my dad in Tijuana. We have two weeks off in June but now instead of having a vacation with multiple destinations we will be sitting at home and doing our spring cleaning in the summer.  His mom will come and visit for a week and then we will drive her home to LA.  Hopefully we'll have enough money for gas. :-/


While trying to do our budget I had my dh write stuff down as I read off our creditors, utilities and other expenses.  Man o' man.  He sure was shocked to find out how much money actually goes out.  At least now he understands the stress that I have to go thru all the time trying to figure out who I can put off paying so that we can have some spare change.  I guess he never really noticed before.  I'm glad he is aware of all of this now.  We are supposed to sit down when he gets paid and do this all again.  We have it all "planned" out.  Now we just have to make sure it gets done right. 


After having cancelled our up coming trips I thought the depression would settle in.  But just the opposite has happened.  I am even more excited about getting all of this done.  I keep thinking of these small things that I have to pass up because I am not prepared for them.  What if something really big and meaningful came along? Would I be forced to pass it up because I didn't save enough money or have things paid off? Luck is what happens when preparation meets opportunity.  And I don't want to miss another opportunity again!