The Passage of Time

      The passage of time is one of life's scariest and happiest inevitabilities.  My sister recently told me that her husband and her were taking their family to Disney World.  They have been wanting to do this for a long time, but have been putting it off because my nephew has medical issues and they are forever in medical debt.  Her reasoning for going to Disney World now is that if she waits until the medical bills are paid off she will never go.  The idea that the time will pass whether she goes or stays home got me thinking about my own situation.
   
     I am 34 years old, I have been married to my husband for 2 1/2 years, and between the two of us we have 6 biological children and two grand children.  My husband, who is about to be 42, has been living on cash until shortly after we started dating.  It was then that he realized that if he ever wanted to own a home that he would need to have credit.  He actually had no credit score!  I on the other hand, I had throughly demolished my credit more than once, and I still fight with myself over bad spending habits.  We rent a home, have barely begun saving for retirement, have no emergency fund, and live almost paycheck to paycheck.  Did I mention I also have a huge federal school loan to payoff?

     Our financial situation is overwhelming to say the least.  My sister, I think, did the right thing and built up her credit, her emergency funds, paid off debt, did not incur debt other than necessary medical bills, and bought a fixer upper home.  She deserves to splurge and have the time of her life with her family, but I'm jealous.  Given the age range of my children (20 down to 10 mo), I have many occasions to celebrate, but I'm struggling to celebrate them in the fashion I've always dreamed of because simultaneously I'm trying to create all the financial stability I should have already built.

  This blog is to track that journey and hopefully help other people at the same time.   Please join me each week as I do my best to provide tips and tricks, along with my own anecdotale evidence, that will hopefully inspire not only myself, but others in similar life situations.  If there is anything specific you would like to hear about, please just leave me a comment, I will do my best to provide for you.