Since before we were married....now seemingly a lifetime ago....we have had regular "financial meetings" at our house. When you are self employed...that would seem like a requirement for not only healthy finances but a healthy relationship. It always seems that one person is in charge of the household money...paying bills. For us, that is true is well...some on line and some snail mail depending upon the ease and experience of the transaction. Early on when paying on line was a "new thing" there was more confusion that corect....and things got misapplied..this seems to be less and less the case and more savings on postage and check printing.
Working with short sales we know that all the plans in the world won't change a job loss, cancer diagnosis, divorce, death of a primary wage earner...the rainy day, the special emergency fund empties before life turns around and sometimes, a short sale an be the best remedy for a fresh financial start....but I digress.
We don't pretend to be financial planners...we have people that do the really "big investing". What we do is analyze our marketing plan and sales forecast....and determine our financial obligations and priorities. We know what our monthly expenses are and when payments are due. We also have a list of things that relate to the house....improvements...the honey do list,...what the fund looks like for car replacement...new ___________name that thing...inside and out...business and pleasure...computers, vacations, energy efficient research for additions... These days with great interest rates, you may elect to change your 30 year mortgage to a 15 year mortgage...do the numbers....see what's best for you.
The best surprise is no surprise financially....where can you save...open your mind to other possibiities instead of the same old thing that may not be as effective or efficient...install the low flow toliets....attach a rain barrel for the environment...prioritize the honey do list....and make sure you have some fun along the way....celebrate your successes ...we used to that with cheap bottles of champagne when we were newlyweds...Plan the victory party for your financial successes...keep your eye on your goals and revise your plans to meet them....Every best wish for your plans to Prosper ..!