Write about your approach to budgeting.
Don’t ask me about budgeting, it really is not my forte. Before I was married I was two things.
- Always broke.
- Mainly drunk.
It wasn’t until I met my wife that I was ever solvent or sober. I really don’t know what she saw in me, I was generally unkempt, long haired, bearded and probably smelly as well. She obviously could see a potential which wasn’t obvious to me. I just could not control my spending. Ever since I left school I was in debt. By the age of 21 I had had my credit cards revoked, my overdraft cancelled and basically no way to pay my way. I had a job, on fact I had two jobs, an 8.00 until 5.00 pm job as an engineer and working in a pub in the evenings. So it wasn’t for want of or willingness to work, it was my inability to budget. There was money coming in, but it was always less than my outgoings. I had rent to pay, food to buy and somehow I was running a car as well. Of course alcohol didn’t help, it was an expense I should have done without, but couldn’t. Eventually I left engineering and worked as a social worker with teenage boys. It was there I met my future wife. From then on, things were on the up. She sorted out my finances, lent me the money for her engagement ring, (I don’t remember paying her back either!) and took over running my wherewithal.
47 years later, I’m a little more organised, she still does all the finances and we have never been in debt all our married life. I was able to retire early with a good pension, mortgage paid and debt free.
The moral of the story is, if you want a good life, get a good wife.
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© Richard J Kirk, writing as Joseph R Mason – 2025
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