Monday, March 18, 2013
This weekend was a major turning point.
DH and I had a long talk and realized that our financial situation is not what we thought it was - we are about 30k short of funds to finish building our new house, and we'll have to take out an additional loan.
For the last few years, ever since I got a permanent teaching position, we have been "living the good life." Eating out on a regular basis, taking nice vacations, buying expensive wine and food, splurging on new clothes a few times a year.
Even so, we still lived more frugally than most of our peers. However, this "live it up" lifestyle has been bad for our health - both physical and financial. Not to mention mental. Being able to constantly have what we want has been a major blow to our willpower stock.
This realization about our finances came on the heels of an opportunity at work for DH, not to mention Destiny banging me over the head with signs pointing toward doors being opened for me at the part time job I started in November.
So we made a pact.
We both have to study
- DH for his coursework to get a new certification and a raise
- Me to finish my PhD and research project and be able to move on to the next stage in my career
We have to cut back and live on a budget.
By cutting back and living on a budget, we can improve our food choices.
In improving our food choices we are on the road to improving our health.
As part of that journey we are recommitting to exercise.
SO . . .
Yesterday I made a batch of homemade energy bars and prepped my workout clothes and gym bag. We batch cooked healthy lunches for the week and I made a healthy dinner. We did Pilates together.
Today I got up ON TIME at 6:30, as soon as the alarm went off, put on my workout clothes, and made a healthy breakfast. DH dropped my off at my 2nd teaching job at University, I left my stuff in my office and I went for a 40 minute intervals run in the park. I had time to shower and change before starting my office hours. DH made it to work on time. I finished my must-do work list by 10am and can now enjoy some sparktime before heading to teach my two hour class at 11:30. I am enjoying the thermos of green tea I prepared and am going to eat my homemade energy bar, thus saving 3 euros I would have otherwise spent at the cafeteria, and being much healthier than a croissant or a spanish omelette.
Planning, routines, commitment . . . keys to our new pact, our new house and our future.