Letter #4

Dear Loreli,
Never allow money to control your life. Whatever it is you want to do, do it. I hope that over the years your father and I will be able to teach you how to spend money wisely. Save what you can and do not get sucked in by credit. Your Grandma Fredendall said it best, "The only thing credit is good for is to get more credit." Sure, having good credit will help you in obtaining a vehicle and getting a house which is why it is important for you to learn how to establish credit, maintain it and not go crazy. If you are not careful and you spend frivolously then credit and debt can rule your life. This happens to so many people nowadays and Lovebug, I don't ever want to see it happen to you.
Sometimes it takes quite a while for someone to find what they want to do with their life. I had no clue what I wanted until I had you. I instantly knew that I was meant to be a mommy, it is my purpose in life. By working full time I wasn't giving you the attention and time I wanted to. It was a tough decision for me to go to an over night part time job, but it was the only way I could be home with you. The cut in our income is manageable. I would have done anything to find a way to be with you because no amount of money is worth losing precious moments with you.
When you find your niche in life, go for it. Nothing is impossible and everything is obtainable. Nothing is ever too expensive and in the same sense living on little to get what you want in life is not insane. Everything is within your reach. Too many people allow money to control their lives which limits obtaining their dreams.
When offered, accept any help people are willing to give you. Patience is a virtue. If you work hard and are wise about handling your finances then in time you can do or have anything. The sky is the limit.
Loving you forever,
Mommy