Thursday, January 12, 2012
Financial Woes
Yes, it's considered taboo to talk about personal $ issues, but I feel the need to pour my worries out in writing. How is it that 2 adults with college degrees AND respectable jobs AND conservative money sense are in such a tight financial position? I don't splurge on myself with pedicures or manicures, tanning, clothes, shoes, hair color, going out, you name it and I'm NOT doing it. I don't even buy myself books anymore, but go to the library instead. I allow myself ONE zumba class a week, when I used to take 2-3 classes. I do have 2 children in daycare, but it's not like we are paying top-notch prices. (Totally happy with the daycare, by the way, just pointing out that it is a big expense for two little darlings.) My kids wear clothes from affordable department stores and hand-me-downs. My husband and I rarely go out and I have "girls night" maybe 4 times a year. We occasionally do carry-out, but it lasts a good 2-4 meals later. Yikes!! Am I boring you yet? We basically live a pretty dull life. We've decided to cut back on a few things, as there is always room for improvement. However, it just seems like we shouldn't be struggling this much. Who's with me here???
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Oh Sister, you're preaching to the choir!! And I don't find this taboo at all. It makes me feel better to know that we are not always the ones struggling. We are a 1 college degree income family, you pay for a good chunk of my salary :), I've started a company, we are frugal and don't do much of anything either, and yet, we never have extra money. All we can pride ourselves on these days is that we own both of our cars, we pay our bills on time and we don't carry a credit card bill over....but the roof is leaking (doing ceiling damage and needs to be replaced), the refrigerator leaks, two of faucets leak (what is it with leaks?), the dishwasher....wait for it....leaks!, the hot water heater is almost 30 years old (and probably leaks!).....basically we try to just keep up and that means we don't get to fix stuff much more than simple repairs. We ask ourselves all the time what we're doing wrong, but sadly I just think we are like many people out there that live within our means but can't get ahead. We could make Frederick quit his stuff, but I would rather do without than make him. And thanks for the kind words about day care, I know I'm only half of that, but still, thank you! :)
ReplyDeleteI totally get it. No matter what we do money is ALWAYS an issue. We hold out for that big lotto winning, but alas, it boils down to constant budgeting. I keep holding out for the time when the house needs NO repairs, no child care expenses, cars are paid off, no credit card debt...and then I realize once those things are all taken care of it will be time for us to pay for college and our daughter's wedding! It never ends...
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