My relationship with money has certainly changed over the past few years. In my early twenties, I don’t think I gave it much thought. After a trip of a lifetime (6 months traveling the world with friends) and returning home with a small debt as a result, I turned 28 and made some simple plans to save money. order in my personal finances, and now I am much happier with my relationship with money.
I have become a saver, but let’s say it’s not in my nature. I’m much more comfortable with spending and appreciate the occasional rush of retail therapy. I have now experienced the pride and haste that can come from having savings.
I think I found a way to splurge that doesn’t make me feel guilty afterwards, and that’s through more planning and savings. I think the home buying process puts good manners on your crazy habits. I understand how privileged I am to own a home with my fiancé in the current climate, but it’s definitely the thing that made me realize that a bigger investment in our future was going to be a lot more rewarding than splurging. short-term frivolous.
My favorite money tip is a quote from my uncle, Gerry. Gerry has always been so nice to myself and my siblings while we were struggling students, and when we protested his generous gifts of “a few bobs” here and there, he always said “It’s only that. money “. I love that. I think it’s poignant for many reasons, but it reminds me on the one hand not to make money a god, and on the other hand when it comes to tough times asking for help. help is so important and not at all shameful.
I certainly don’t do a spreadsheet every month, but I am very aware of my spending, what to plan for this month (birthdays, weddings, etc.) and what I’m saving. I then look at any inevitable trips, special occasions, or larger purchases I may have to come, and make sure they are factored in.
I felt very proud to buy both my own wedding dress and my wedding ring. It was a pride for me to buy my own wedding ring, which I had to explain to my fiancé! There is something about a woman buying her own diamonds that I find extremely empowering.
Don’t ask for advice on how to settle my debt sooner. I finally prioritized it, asked for advice, and was able to put a plan in place and feel a huge weight on my shoulders.
The lesson I learned from this is to always ask for help – there are always ways and options to make things easier and more manageable.