…and dads and grandparents and pretty much everyone else.
This idea came to me after seeing a picture on Facebook posted by Jen from People I Want To Punch In the Throat. While I love the original list (which you can find here) for its snark and sarcasm, I thought it might be a good idea to strip that away for a moment and think practically about the financial things we need. After all, without our finances in tact, how are we going to pay for the babysitter, wine, trips to Target, and girls’ night out?
We’re not.
So, here we go. My 10 money must haves:
- A budget–you need to know where your money is going and how much you have coming in. Without this, you’re kind of screwed.
- An emergency fund-because shit happens and you need to be prepared. If the 3-6 months is too intimidating, start small. But just start.
- A menu plan–the single best way to save money at the grocery store.
- A retirement savings plan–unless you want to work forever, you need to save for the day you stop working.
- A will–because you will die. Best to be prepared and get everything straight ahead of time.
- A marketable skill–we all have one. And we all can do something that, in the event of an economic pinch, can bring in some extra income.
- A frugal hobby–shopping is fun, but why not pick up a book from the library? It’s just as time consuming but saves a ton of money in the long run. Maybe filter the savings to your EF or retirement savings.
- A money savvy friend–we all need someone we can go to with our money questions and concerns. Find one of those people and put her in your friend arsenal with the fun friend and the creative friend.
- A motivational motto–I like having some saying that get me through tough days. I even have an entire Pinterest board devoted to them. Print one and put it somewhere conspicuous for the days you doubt yourself.
- A good night’s sleep–because nothing enables bad decisions, especially financial ones, more than being tired.
Put these 10 into place and you’re ahead of everyone who says they can’t control their finances. Because when you look at it like this, it’s really not that hard.
And in case you want it in pretty graphic form: