Julie Gumm - Author, Speaker, CliftonStrengths Coach

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Joining Financial Baggage

07.16.2010 by juliegumm@yahoo.com //

Part 2 of Financial Freedom Friday (Read Part 1)

One of the hardest things about marriage is arguably meshing two different money styles and two different financial backgrounds.

I came from a very rigid financial family – my dad is a spreadsheet guy (well back then he was a green ledger sheet guy) who tracked every penny. There was never a lot of extra money but we had what we needed and my parents put all of us kids through Christian schools and through college.

We drove cars until they died (one was 17 years old when my brother finally totaled it), rarely ate out and never got really expensive gifts.

Despite this upbringing I will be the first to admit that I am more of a spender than a saver. I got my first job at 15 working at Burger King, and held down a job consistently on into adulthood. My jobs only served to support my shopping and social habits. Sure, my senior year I saved up some money for college but I didn’t really have a savings goal or any big motivation.

Mark grew up in similar financial circumstances but from a much less structured system. So he had even less experience with living on a budget.

All of this contributed to our disjointed system – well it wasn’t even really a system. We could make a budget, sure, but had trouble sticking to it and soon found it wasn’t working and would give up for awhile.

We’d have what we call “The Visa War”. I would get the Visa bill, open it, keel over in shock from the balance and then begin to vehemently highlight everything on the bill that Mark had charged. I would total it all up and march into the office and declare something like “Did you know you charged $457 this month?!”

Yeah, it wasn’t pretty. I am not proud.

Because usually the unhighlighted expenses (mine) were nearly that if not more J

It took us nearly 7 years of marriage before we finally got our act together.

Next Week: Driving Our Debt Around

Categories // Financial Freedom Tags // dave ramsey, debt free, financial freedom, financial peace university, total money makeover

The Early Years: In Love and In Debt

07.09.2010 by juliegumm@yahoo.com //

Part 1 of Financial Freedom Friday

As high school sweethearts, Mark and I had dated for four years by the time we got married in 1993. We still had a year and a half of college left at the time but had a budget and a plan to live off of our scholarships, ROTC money and part time jobs.

Our housing was paid for with scholarships and we had about $450 a month to cover food, utilities, gas, insurance, etc. We ate a lot of Mac N Cheese and Hamburger Helper in those months but it was a pretty carefree life.

Not long after we’d been married we decided we “needed” a newer car. We put together some wedding money and crunched numbers and decided we could afford the $156 car payment. I think we actually covered part of the down payment with student loan money (ugh!).

As we finished up college there were of course “unexpected” expenses and by the time we graduated we had a couple thousand dollars worth of credit card debt, and the car debt.

Shortly before graduation the Army offered ROTC graduates a “wonderful” deal on a new car – 6 months of no payments and a low interest rate loan. Since we’d need two vehicles Mark went out and found a truck. Because if you’re going to live in Texas you need a truck, right?

It was a nice feeling to leave for Texas with at least one guaranteed job and a known salary. For a couple used to living on $450 a month we were looking forward to having a real income.

Unfortunately we didn’t really take the time to make a plan for what to do with that money.

The first six months of our new life seemed to include plenty of disagreements about the money, surprise $175 long distance phone bills (long before the days of free cellular long distance), and disorganized bill payment system.

But that didn’t deter us from making the leap to homeowners. The housing market in San Antonio was such that we quickly realized we could buy a house with a mortgage payment about the same as our rent. So we quickly added a $69,000 VHA (no money down) loan to our debt portfolio.

And of course a house needs furniture right? Where do you think the money came for that? Yep, good old Visa.

In the midst of all this it’s not like we were living in denial. Neither one of us liked the debt and we did try to shop wisely but the cycle just perpetuated every month.

Next Week: The Early Years: Joining Financial Baggage

Categories // Financial Freedom Tags // dave ramsey, debt free, financial freedom, The Ramsey show

My Lightbulb Moment – Post-Adoption Depression, Part 2

03.25.2010 by juliegumm@yahoo.com //

For the record I’d rather be catching the NCIS I missed yesterday, but a promise is a promise.

If you didn’t read Part 1, it’s here.

So my “lightbulb moment” happened one evening at the conclusion of a small group BBQ and pool party (luckily NOT in front of my small group). I’m not even sure when exactly it was – maybe July?

When we arrived at the Reeve’s house Noah asked if he could bring his DS inside. My answer was a definite no. There was a pool, basketball and tennis and absolutely NO need to have our nose stuck in a video game. EVERYONE in the car heard me say it.

So we’d had a great time and when Mark and I agreed that it was time to go I said that I would round up the kids which is a monumental task. I mean you get one or two to the right spot and while you go off and find the third and fourth the first two get distracted by something else  – it’s like herding cats! I was rounding up wet swimsuits, finding shoes, grabbing the casserole dish, etc.

Mark was playing basketball.

I was annoyed.

For the record at any other time this would not be a big deal. He went over to say goodbye to the guys and ended up playing for 5 minutes. But it was like turning on the burner under a pot of water that had been sitting on the stove for a really long time. (I love you honey and please don’t take it as me criticizing because I totally acknowledge that my reaction was unwarranted.)

I had one last kid to round up…Noah.

One of the kids mentioned that he was upstairs in the kids room so I traipsed up the stairs (telling the girls not to leave the spot where I had planted them). I found Noah crouched in the bedroom PLAYING HIS DS!!!!

Quite honestly, I don’t remember what my reaction was at that exact moment. I’m guessing I yelled at him pretty enthusiastically. Then I marched him downstairs, rounded up Luke and ordered them all to the van. I’m sure I tossed out a few polite “see you next week” remarks to our friends but inside I was starting to B-O-I-L.

As I’m throwing stuff in the back of the van I found out that apparently Luke had come out to the van, gotten his DS and taken it inside. You know, because if one kid does it then it must be okay, despite that fact that mom was very specific earlier.

At that point Mark got to the van, and I can only imagine what I must have looked like.  The Tasmanian Devil? That girl from the Exorcist right before her head spins around?

He cautiously asked “What’s wrong?” and I boiled over.

I’m sure I said a lot of other things but the one comment I distinctly remember spitting out, in THE most sarcastic voice ever, was “Well, apparently everyone around here thinks it’s OPTIONAL to obey mom!”

And then I said a lot of other things.

And then I said a lot of other things inside my head.

They were not pretty things.

I have NEVER been so angry in all my life.

And THAT, was the issue.

On the tensely quiet ride home I stared out the passenger window, my mind swirling with all kinds of thoughts.

I could sense Mark looking over at me occasionally, too smart to say anything. (He’s a quick study!)

See that girl, the one who blew up over a disobedient child, was not ME.

I do not have an extreme temper. Yes, I can feel strongly about stuff, can argue a point with the best of them, and I won’t try to tell you that I never lose my cool or yell at my kids.

But the intensity of what I was feeling that night was enough for the light bulb to go off and for me to realize “This is not me!”

It was not just normal adjustment issues. It was not just being tired. It was not PMS.

The ugly beast had reared its head again.

In a way that realization was incredibly freeing, because all of a sudden I knew where I was. It was familiar and I knew where to go from there.

Depression has a laundry list of symptoms but what the last seven years has taught me is that MY most obvious sign of depression is my irritability and anger level. It’s why I had been going back and forth in my head for a couple of months, debating, praying, trying to figure out whether things were bad enough to go back on my meds.

I am not the “wallow in bed with the covers over my head” kind of gal. I am stubborn and I push myself and while that is good, it also allows me to hide from some of the other symptoms that really are there, just undercover.

So I went back on my anti-depressant (Wellbutrin seems to be the right one for me) and within just a few days it was like that scene from Song of the South with the “bluebirds on my shoulder”. Yes, I think I actually hummed “Zip-a-Dee-Doo-Dah” intermittently for a few days.

If you asked me “What were you depressed about?” I couldn’t tell you. With my first clinical depression I could list the triggers for you (four major stressful life events in a short span of time). But it’s not like I was sitting around bemoaning the “way things used to be” or dealing with major attachment issues with the kids. We were actually VERY fortunate with our kids and had a relatively easy transition. Yes, going from 2 kids to 4 was hard. Yes, there were challenges but nothing that seemed like that big of a deal.

But that’s the thing with depression, it doesn’t play nice and logical. Which, for someone who LOVES nice and logical, is really annoying.

Other than being therapeutic for me, I hope my story might help others struggling through the same issues. If you’re not sure if you have PAD, go talk to your doctor. Open up to the people closest to you about what your struggling with. Sometimes those around us see things we can’t see and it brings clarity to the issue.

Don’t wait until your boiling point.

Categories // Depression Tags // adoption issues, depression, post adoption depression

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