Monday, November 9, 2009

confession

I feel guilty that I feel this way but I am getting more and more overwhelmed with the reality of this baby coming. For the past month I have felt like I am a pretty inadequate mother. I wish I had better self control about things and that I had mastered habits like reading my scriptures daily, serving others unselfishly, routine temple worship, the list goes on and on. Once in a while I feel like there are so many good things to do I just can't do them all.

The other silly thing on my mind so much lately is this gigantic debt that a house comes with. We have prepared financially and we will be fine with the mortgage when the baby comes but gosh I can't explain how much I HATE the feeling of being in debt. Especially when that debt happens to be 6 digits! I guess I'll get used to it, It's been ok for the last 6 months because we've made double payments since I'm working full time but now we'll go to normal payments and the thought of being in debt for 20 more years is just depressing. I love our house and I'm glad we bought it I just hate the huge amount of interest accruing.

Anyway sorry for the depressing post but I have been trying to sort out these feelings and get mentally situated. Yesterday I was reading the new conference Ensign- President Beck's message from the Relief Society meeting. She validated what I am feeling when she said, "Most women have many responsibilities and never have sufficient time to do everything their hearts and minds want to do." So then she quotes President Uchtdorf, "A wise man once distinguished between the noble art of getting things done and the nobler art of leaving things undone. True wisdom in life, he taught, consists of the elimination of non-essentials." So I am going to eliminate some non essentials. For me these are surfing the net too much (blogs, facebook, checking e-mail every hour ect), being preoccupied with finances (checking banks daily and thinking about it so much), spending too much time reading books (when I get hooked on a book it's hard to stop). If I spend less time doing these things I bet I'll have more time to read my scriptures and conference talks and go to the temple.

In the mean time I'll get used to the fact that most 20-40 year olds that own homes have mortgage debt. I just feel so guilty when people say things about avoiding debt and try to pay off your debt as fast as you can. Are they really talking about mortgage or other debts like cars and credit cards?

7 comments:

grandmabish said...

Sweet Renee, you would do well to leave the guilt trip behind, and just look at what you are accomplishing. How many people your age even have a home yet? You have your education, good work, your own home, and are starting your family, all good things that our leaders tell us are the things to do. Mortgage debt usually cannot be avoided, and isn't it a lot better than throwing money away every month on rent? Making the double payments like you have been doing is really commendable. Your goals for using your time are good ones. Blogging is a good thing, and was even mentioned in the Oct. Ensign. You are living the gospel, and are a wonderful example to young and old alike. I have seen first hand what a great visiting teacher you are, and I was talking to a sister in the ward only this morning, about how you offered to help her with her assignment for the Holiday dinner. You are a great friend, and neighbor, and you are learning homemaking skills, like canning, that will only help you in the future. You are going to be the greatest mom....nothing to fear. Lucky little babies who come to your family!

Jared & Shannon said...

Remember Renee, the apostles have told us there are certain things that are okay ot go into debt for, such as houses, needed cars, and education costs. One just needs to be wise about it. And to me, you sound wise. Double house payments? Wish I could do that! SOunds to me like you and Ben have been making plenty of right decisions. Congrats on being pregnant!

casey said...

Renee! I love you. :) I wanted to find an answer to your question on debt, and I saw an Ensign article called, "Happily Living within Our Means"
http://www.lds.org/ldsorg/v/index.jsp?hideNav=1&locale=0&sourceId=d6c776978ac17110VgnVCM100000176f620a____&vgnextoid=2354fccf2b7db010VgnVCM1000004d82620aRCRD

it says:
"Investment debt is that which can bring a financial return. It may include education expenses, a car, and a house. Investment debt can be appropriate if it meets family needs and fits into your budget."

Sooo ... I think you're great and you'll make a FABULOUS mother! I can't wait to be Aunt Casey :) Love you! Let's play.

Tina said...

You are the sweetest, happiest person I have ever met. Seriously, you are so bubbly and full of life. Your kids are going to be super lucky to have you as their mom!

I know what you mean about the whole debt thing. Even though a lot of people have mortgages, it still kind of makes me sick to think I owe someone that much money. We have never barrowed any where close to that amount of money before so it is kind of overwhelming. I guess as long as we are trying to be prudent and live within our means we shouldn't worry about it too much. Brian thinks I am crazy to worry about such things. Is it just me or do all women worry more about money than men?

Anyway I love you babe, and I'm proud to call you cuz!

J. Doug said...

Sister Beck hit the nail on the head. That is one of my favorite quotes by Lin Yu Tang

Mama Bean said...

You won't have that 20 year mortgage forever!!! Ben will graduate and you will get back to making those bigger payments. Trust me...if we didn't feel inadequate we wouldn't better ourselves. SQUISHES!!!

Renee Beus said...

Wow thanks so much for your great comments! I believe that the Lord reminds us of things through our friends and family- thank you for relaying the message!