adminFRIDAY
As always money becomes an issue in our household. After a beautiful welcome home last week from my husband where he took me to Nyanga and we enjoyed a glorious weekend there, he then showed me a bank approval letter for a loan. After my initial shock because I do not believe in getting loans unless it is for something that is going to give it back directly, but I had to appreciate because my man is making an effort to keep the family and business afloat in the best way he can. He made such an effort to break the news to me by taking me away. I appreciated it very much, but once again I wondered whether he is already spending the loan on unnecessary things.
SATURDAY
Today I went to the hairdresser. I just wanted my time alone. I wanted to feel alive again. Everything this month has been negative for me. Even getting this loan, I know is going to end up a problem for me. My husband got the loan with specific things in mind – okay I get it. But my thinking is that, this loan has to be paid back from somewhere. It makes no sense to get a loan only for something that will not help pay it back. I got a loan for school fees, but if one is going to get a loan for the up keep of the home, then one needs to ensure that it is used wisely because there is nothing in the home that is going to make money once the loan is spent. So I suggested to him that we prioritise things, so that the money goes where it is most needed and then we see what to do later. But he was not happy with that. He claimed he got the loan for specific things and that is where he wants to use it. But I brought up the fact that he is already misusing the loan because taking us to a hotel for the weekend to discuss that very loan was not part of the loan budget, was it? So already his plan is not working. If I do not take charge of this issue, he will spend this loan before it is used for its purpose.
SUNDAY
Church was great. The church leaders were speaking to us about being relevant in the city. They brought up several projects around the city that need assistance from the community. I am keen to get involved in one or two, so I will see. After-all it might not be that wise to spend money when already we are living on a loan.
MONDAY
My husband and I had a business meeting today because I felt that we needed to get on the same page, budget wise. I also got the secretary to come in so that she can record what we discuss because my man has a short memory when it comes to spending money. I told him I want to use the 30/ 70 method with the loan and any other money we acquire.
TUESDAY
So I explained to my man the principle of 30/70 principle of budgeting. 30 percent is on saving spiritually and physically, and the 70 percent is what we live on, or what we call the actual budget. So 10 percent goes to Tithe; 10 percent goes to offering and 10 percent goes into the bank for saving and investment. The other 70 percent is divided into sustenance for us and for our employees. So it includes living expenses, salaries, paying debts, groceries, fees, household expenses, employee expenses etc. Then I allocated each item a percentage of the budget, for instance salaries for all of us and the staff is 25 percent of the 70 percent budget. WEDNESDAY
So today we finally received notification that the bank had put the money into our account. We were so excited. I wanted to wait before going to the bank, but my man was so excited. Because my thinking is that what is he going to withdraw money for? We have not agreed on the budget allocation and so when he draws the money, where is it going to and for what?
THURSDAY
Ah Diary, men will always be men. I bowed down somewhat to my man. I gave him a couple of hundred dollars to do whatever he wants, the rest of the money I will control. That seemed to work. After that he was very happy for me to allocate dollars where they needed to go. So it looks like the only reason we were fighting over money is because he wanted to have some play money in his pocket that he is not made accountable for? Men!
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