“Faith is taking the first step even when you don’t see the whole staircase.” – Martin Luther King, Jr.

We have these somewhat similar conversations almost every day nowadays.  It goes like this:

“ Hon, how much should I pay my credit cards this month?” I ask my spouse.  When we discuss monetary issues, I always try to talk to him when he is in a good mood.   Well, he is in one now. 

“I don’t know, dear,” he replies without looking up while tapping away on his notebook. 

“Well, when is the paycheck coming in?” I ask. 

“I don’t know, dear,” he replies without missing a beat. 

I cringe when I hear his response. 

We started a new beginning this year when he decided that he would do some free lance business instead of working for an employer. 

After being in a dead end job for a year with no light at the end of the tunnel, we decided it was time to take a little risk by doing something different. 

Truly it was a new beginning.  The regular paycheck didn’t come in on the twenty fifth of every month as it normally did.  Well, that created much havoc in my life.  There are bills to pay, mortgages and overdrafts to service, children’s expenses, and of course, the darn credit card bills.  Now, those come on time every time.  By the middle of each month, they arrive promptly in the mail no matter if it rains or shines.       

When they do arrive, as much as I dread this, I know that we will need to have the how-much-should-I-pay conversation once again.   I am not sure which is worse, having to have this conversation or having to pay for not one, but two credit card bills.
 
This credit cards issue is one beginning I would like to see an end to. 

However, there are other beginnings worth mentioning.  These are beginnings I’d love to share with you.  My spouse no longer hates going to work everyday.  Nowadays, he comes home happy every evening even after having to put in long hours at work.     

In the meantime, let me just leave you for a while to finish up my monetary conversation with my spouse.  After all, the paycheck might come in tomorrow. 

Every day is a new beginning! 

And you my readers, please remember to pay your credit card bills on time.  If you are not aware of this yet, it is good to know that you will be charged late charges and then, finance charges for every day of late payment. 

Cheers!