{"id":5494,"date":"2023-08-28T04:15:00","date_gmt":"2023-08-28T11:15:00","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=5494"},"modified":"2023-09-03T18:27:33","modified_gmt":"2023-09-04T01:27:33","slug":"get-financially-fit-by-running-your-household-like-a-business-4","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id5494-get-financially-fit-by-running-your-household-like-a-business-4.html","title":{"rendered":"Why I Run My Household Like a Business (and Why You Should Too)"},"content":{"rendered":"

\"run<\/a>Before I started my blog, I spent my free time as a dedicated volunteer for Little League baseball. And although I rose through the ranks over the years to eventually become a league president, looking back, my fondest Little League memories still come from the time I spent managing my son’s baseball team.<\/p>\n

My first “practice” was a pitiful failure. I was woefully disorganized and, as a result, the 5-year-olds got bored almost immediately. Before long, that practice session looked like something straight from Lord of the Flies; <\/em>I had lost complete control, surrounded by a band of marauding boys who defiantly spent the rest of the hour kicking up the infield dirt and pulling the wings off moths in the outfield.<\/p>\n

Needless to say, I made sure the rest of my practices were always well-organized.<\/p>\n

The Importance of Organizing Your Personal Finances<\/h3>\n

Organization is a means to an end. The truth is, organized people save more time and money than those who aren’t. When you’re organized, you become more efficient and that makes life much easier.<\/p>\n

With respect to your personal finances, organization is what enables people to manage seemingly complex and\/or enormous jobs such as tracking their income and outgo<\/a> down to the last penny with relatively little effort.<\/p>\n

The good news is, organization isn’t hard. In fact, all it takes is a little commitment and discipline. And I found that one of the best ways to get organized is to run your household like a business.<\/p>\n

My Household Business Organizational Structure<\/h3>\n

In the grand scheme of things, a household is<\/em><\/strong> a business with real assets and liabilities. There are revenues, represented by our household income, and there are non-discretionary obligations such as the mortgage and utility bills. There are also discretionary costs in the form of entertainment, vacations, and other non-critical expenses that require careful analysis and smart decisions.<\/p>\n

And just as any smart business works to efficiently manage and maximize its revenues, I too want to ensure that our household spending decisions always give us the most bang for my paycheck.<\/p>\n

From the day we were married<\/a>, the family finances have been jointly managed by the Honeybee and me. Each of us has separate responsibilities, as shown in the handy dandy household organization chart below.<\/p>\n

\"FamilyBusinessOrg2\"<\/a>

The duties of the household CEO and household CFO.<\/p><\/div>\n

As you can see, it’s quite simple; I act as the CEO, while she is the CFO. I know. But just play along.<\/p>\n

I’ll now go into a little more detail for both our jobs.<\/p>\n

My Duties as the Household CEO<\/h2>\n

As the CEO<\/a>, I’m responsible for long-term and strategic financial planning decisions, including stuff like how much life, auto and home owner’s insurance to carry, retirement and investment contributions, emergency fund allocations, and future big-ticket discretionary spending. That requires me to evaluate all household expenses, both past and future, and then determine whether those expenses are discretionary or non-discretionary.<\/p>\n

In short, my job consists of seven primary tasks:<\/p>\n

    \n
  1. Identifying future household expenditures<\/li>\n
  2. Categorizing those expenditures as either non-discretionary or discretionary (“needs” or “wants”)<\/li>\n
  3. Developing a household strategic spending plan<\/li>\n
  4. Establishing the household budget<\/li>\n
  5. Ensuring my family understands the strategic spending plan and budget<\/li>\n
  6. Adhering to the strategic spending plan and budget<\/li>\n
  7. Refining the strategic spending plan as necessary<\/li>\n<\/ol>\n

    My Wife’s Duties as the Household CFO<\/h2>\n

    As the CFO, the Honeybee acts as the family’s financial manager. Essentially, in addition to handling day-to-day financial operations, she keeps her fingers on the family financial pulse, always aware of past and impending non-discretionary expenses, as well as any near-term discretionary spending considerations.<\/p>\n

    In a nutshell, here are her seven primary responsibilities:<\/p>\n

      \n
    1. Establishing and maintaining our financial records and spreadsheets<\/li>\n
    2. Paying the bills on time<\/li>\n
    3. Actively tracking household expenses and income<\/li>\n
    4. Identifying present and future household expenditures to support strategic planning<\/li>\n
    5. Faithfully adhering to the strategic spending plan and budget<\/li>\n
    6. Balancing the checking account each month<\/li>\n
    7. Identifying negative financial trends and potential trouble areas<\/li>\n<\/ol>\n

      Summing It All Up<\/h4>\n

      Running our household like a business plays a crucial role in ensuring that our family income is utilized as efficiently as possible over the years. In fact, it’s been more successful than I ever imagined.<\/p>\n

      Will the way we run our household work for everybody? That’s doubtful.<\/p>\n

      Has running a household like a business worked perfectly for us? Of course not.<\/p>\n

      But it has instilled a strong sense of organization and financial discipline into our lives. And for anyone who aspires to take control of their personal finances and achieve financial freedom<\/a>, that is absolutely essential.<\/p>\n

      Photo Credit: ell brown<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

      Before I started my blog, I spent my free time as a dedicated volunteer for Little League baseball. And although I rose through the ranks over the years to eventually become a league president, looking back, my fondest Little League memories still come from the time I spent managing my son’s baseball team. My first […]<\/p>\n","protected":false},"author":1,"featured_media":38478,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[455,459],"tags":[],"class_list":{"0":"post-5494","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-business","8":"category-family","9":"pmpro-has-access","10":"entry"},"yoast_head":"\nWhy I Run My Household Like a Business (and Why You Should Too)<\/title>\n<meta name=\"description\" content=\"Personal finance isn't hard. 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