But I can’t have it all.
Money is something I struggle with. I’m definitely prone to
retail therapy and I know, I know, that this is bad. It’s hard not to indulge;
a little treat at the end of a rough day at work feels so innocuous. I also
feel entitled to spend because I work and I have two degrees and I bring in a
good income. If we can pay our bills, reduce our debt (school loans and
mortgage), tithe, and help those in need, then I should be able to spend some
of the leftover money without a care, right? Right? Hello, can I get an “amen”?
I’m just barely coming to grips with the fact that just
because we have money doesn’t mean I get to spend it profligately.
Thoughtlessly. Recklessly. Right now, Jon and I are a healthy, two-income,
no-kids, still relatively young household. All this could change in the blink
of an eye. One of use could become sick or injured. One of us could lose
his/her job. I could get pregnant. (Ha! I wish!). And we are definitely going
to age.
We need to save. More. And intentionally. I want to watch
our savings grow. We need to manage our money better. Should we put our savings
into a mutual fund? A cd? An IRA? We need to pay down our debts. Hard to
balance that with saving, though. Technically, we could pay off the house right
now. But that would clean out our savings and we don’t want to do that. We need
to plan for our future. Do we still want to move? Will we have enough
retirement? What about healthcare when we retire?
I think I’m getting better at it. Maybe. At least a little.
I’m exercising more restraint. I’m using the Southern California Digital
Library to borrow books for my Kindle instead of ordering from Amazon. I’m
baking a loaf of bread as a treat for myself instead of buying a new bag. I’m
realizing that I don’t need to take a souvenir home from an excursion; I’ve got
the memories and the photos. I’m trying not to window shop because that often
turns into actual shop.
I can’t have it all. But I have more than enough.
I may
indulge in retail therapy, but not at Tiffany’s. This is a necklace I bought
for Robin Ann for her fortieth birthday. We’ve been drooling over the Tiffany’s
Christmas window display at South
Coast Plaza
since we were college freshmen. We never give each other extravagant gifts but
this is a milestone birthday and I really wanted to celebrate her in a special
way.
The Essie
Turquoise and Caicos nail polish was an impulse buy at Target on the same day
as the Tiffany’s purchase. Definitely a silly little extravagance but I kind of
love it and Jon likes it, too, and it cracked me up that it was pretty much the
exact same color as the Tiffany’s packaging!
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