I have said it before, and I will say it again: I am a dreamer. I dream big. The only problem is that what I dream and what actually happens are two different things.
Take, for example, our budget.
I like numbers. I like planning. I have always taken on the budget in our marriage. By doing this, I have taken on quite a bit of stress because I am married to a spender.
We bought an RV, and though I do not regret the purchase, I hate that we have a loan on it. I had all of these great plans on how to pay it off and pretty much live like paupers until October to do it. Well guess what? It’s not working. Again, because I am married to a spender.
Now, when I say that Todd is a spender, please realize that I’m not talking big ticket items. He buys things that we need around the house and a couple of frivolous items once in a while (or what I think are frivolous such as an extra set of pots and pans for the RV when I was OK with trekking the pots and pans for the house back and forth). I call him the spender because he spends more than I do. If it were up to me, I would not buy anything but gasoline, groceries and dog food! I am good with “making it do.”
After a week of stressing out about finances, having a car break down, a garage door spring pop, and a couple of medical bills to be paid, I threw my hands up and said I was done with scrutinizing each penny that comes into our home. I am done worry and stressing about how we are going to pay off the RV by October. It will not be the end of the world if we don’t get the RV paid off until December!! My marriage may actually benefit from putting off the payoff date by a couple of months! We have had over a $12,000/year decrease in our income this year – I cannot have the mindset that we can still put away the SAME AMOUNT as we had in previous years based on our previous income.
I have decided that it is time to loosen up a bit when it comes to the finances. As long as we are accelerating our RV payments, squirreling money away into savings and not “pissing away” (for lack of a better phrase) our incomes, I am content with lightening up about our finances! We have worked hard for years to pay off our debt and pay down half of our mortgage: it is time to enjoy ourselves (within reason)!
Are you hard on yourself when it comes to finances?
Do you have unrealistic expectations as I do?