Do you ever feel like you are trying to keep up with the Joneses? It seems like everywhere I turn, a big purchase is happening to someone I know. A massive 3 story house, nice cars, fancy vacations, a new iPad every other month and everything else.
When a friend goes out and buys the next greatest phone or buys a new car every couple of months, it kind of makes you wonder, and maybe it makes you jealous?
I’m not going to lie, the jealous monster takes over my life every now and then. This is something that I am working on and something that I need to change in my life. Am I the only one? Sometimes I feel like I’m the only person who is jealous and no one else has these crazy feelings. Since my extra income seems to be continually increasing, sometimes I feel the urge to spend it.
Maybe the jealous monster has taken over your life as well and you are trying to keep up with the Joneses.
We know someone who isn’t showy with his money, he is careful with how he spends his money. He doesn’t buy all the latest gadgets that don’t mean anything to him. Instead he spends money on his family, vacations, making his house into a home, family gatherings at his home, and other things that truly mean something to him.
He is the perfect example that just because you “might” have money to spend, it does not mean that you should. Buying all of the newest things all of the time doesn’t always mean everything in life.
|Traveling isn’t a little splurge, but I love it.|
There are a lot of things that I spend my money on that I guess I could live without, but I really enjoy having them (and I don’t mind spending money on them). I’m sure we all have specific items or events that we don’t mind spending money on.
I honestly don’t think I have a lot of splurges. I don’t spend as much money on clothes that I used to, and I carefully watch what I spend, but still have fun.
I recently told some of you about a comment/e-mail I recently received. This person told me that I am frivolously wasting my money and that I should be eating cheaply (they said I should be eating Ramen for most of my meals) and not going out or hanging out with friends until my student loans and mortgage are gone.
This kind of shocked me, and while I do know that others think this way as well, this is not my way of thought. There will most likely be some sort of debt that we will have, which in the future hopefully will just be a mortgage, so I don’t think it’s completely avoidable. And yes I do agree, there are certain areas that I can cut out, and I’m working on that.
Yes, my student loans and mortgage would most likely be completely gone if I gave up my health by only eating Ramen all day long, but that’s not something I want to do. Maybe I don’t have the willpower…
We are currently spending around 50% of what our take home pay is. When I say “spending,” I mean the mortgage, bills, food, and debt payments. Then other 50% is thrown towards savings, investing and extra debt payments. So I wouldn’t say we’re in a bad position at all.
I know I have debt, that obviously isn’t hidden anywhere. However, I can’t give up everything forever. I do have a plan to get rid of my student loan debt, and then I will eventually get rid of my mortgage as well.
I don’t view spending money as always bad. I love my life, and life entails spending money. I enjoy the things I “splurge” on. That’s why I work!
What I don’t mind spending money on:
Of course if anything went badly such as if we lost our jobs, I would get rid of some of these things (probably most if we really needed the money),
Here are some pictures that I took recently. An awesome French Bulldog thing from Urban Outfitters, food, Christmas, some presents and more food. It’s not fun having a full five day work week this week. And the week is hardly even over, not used to this! Anyways, here are my updates:
Family: Haven’t talked to my mom in awhile, not since around the beginning to the middle of December… Blah. I don’t even know what to think about this anymore. Sorry about the depressing family updates.
The BF’s grandma isn’t doing too well again. It’s really sad. Any prayers, send them this way please.
Extra Monthly Income: It’s a little depressing that the holidays are over, because now the BF’s job will be slow again. So he won’t be making all of that overtime, but that’s ok! We will think of other ways to bring in extra money.
Volunteer work: Volunteering starts on January 7th. I have training for 3 days in a row I think. This will be interesting and something new for me. I’m excited, but I’m a little nervous. I’ve only ever had two jobs (including the one that I have now) in my whole life, so I’m nervous for meeting new people and screwing things up.
Budget Cutting: We cut out budget by a little, but it’s the little things that add up
Food: I actually cooked a decent amount last week. It was pretty nice! The food was good (of course, since I’m cooking it! ha). I want to start menu planning soon also. Not sure though, usually I’m not in the mood for something that I thought about earlier, I’m weird like that.
Shopping: We definitely came in under our Christmas budget, and all of our other budgets for the month. Did some last minute shopping on New Years Eve, and found really great prices on a lot of things. We were very happy about this. Tons of toys were half off and of course all of the Christmas stuff was too, which was nice since one of our Christmas dinners was on New Years Day.
$100 Ticket: Still need to pay this. I think I have a couple more days to pay it. I plan on paying it today online.
Vacation planning: We haven’t really thought about this a ton. Hopefully soon. We’re thinking Puerto Rico again. We get really cheap plane tickets (as talked about here), so we can pretty much plan until the last very last second. Our budget is probably going to be around $1,000 for the vacation (food, hotel, airfare, miscellaneous). Since we usually book things so late, there are usually great deals everywhere, so it’s a win win.
Buying my own Domain: This is a big question that I have right now. How much does this usually cost? Is there a preferred provider for this?
How’s everything going for you?