Johnny and I started off our marriage with zero financial guidance. In fact, my last financial hurrah as a single 20-something was over-drafting my checking account — woops. So when we did rendezvous at the altar, I brought some Southern cooking know-how and, oh, just a few thousand dollars of student loan debt. Johnny, on the other hand, was more money conscious than I was, and while he didn’t have much as a college student, he kept close track of what money he did have.
Together we opened a joint checking account and decided from day one that our financial future would be just that — a joint effort. With a marriage started on just a couple hundred in the bank, several Target gift cards, and little-to-no financial assistance from parents, we’ve been learning ever since to financially prepare ourselves as a couple.
Fast-forward five years. We’ve now been out of school three years and both been working full time. We’ve paid off our school loans and will be adding a baby girl to our brood. And while we’ve figured out the gist of managing our money, we still find ourselves in a love-hate relationship with “our freaking budget.” From saving money on diapers, to deciphering four-letter 401k-type words, to setting aside blow money for our guilty pleasures, we’re determined to grow our modest nest egg and document our journey along the way.