Penny Rich? Hardly!

Here is what I don’t understand. (well to be honest I don’t understand a lot of things but for times’ sake just go with me on this one) I don’t understand the physics of my bank account. I have been very busy this past month and have not been blogging. But I have been budgeting. And I can’t for the life of me figure out how every month it seems like my money gets spread thinner and thinner. I have the same bills every month, and drive roughly the same amount. Then why does it just keep getting harder and harder. I have a strict time scheduled budget and make enough money for a small family to live on but I can’t seem to make ends meet. I have student loans, and car payments, rent, utility bills, medical bills and yes credit card bills mainly from when I was a silly 18 year old that went and got a credit card. The balance just never seems to go down. It seems like every month the money I put into it I have to use in an emergency situation aka I’m out of money with 7 days to pay day and need a tank of gas.

I tithe every paycheck. It isn’t an easy thing to do, I give a little more than 10% and by a little more I mean 10.1% lol. But it is so hard for me to joyfully give that 10% when it is nearly 5 times what I have left over for food once all my bills are paid. It is Christmas and I love giving my family gifts. They are never big impressive gifts but they are always from my heart and it makes me feel good. But I don’t know if I am going to have enough money this year to give everyone something, and that is hard when gift giving is your love language. Why does it have to be so hard? I truly don’t understand. It seems that people that live in poverty do better than me and I make plenty of money. I mean in physics it says that for every action there is an equal and opposite reaction then why isn’t all of this budgeting and diligence making me any head way? It seems like the more I plan with my finances the worse they get???? Ugh.

I am going to take a finance course with my church at the first of the year, it teaches biblical financial principles. It has helped a lot of people and I am hoping I am it's next victim. I dont know, but from where I am standing a second job looks like my only hope.