I'm not great with having money and I'm especially not great with spending it. When I was younger it was just a case of not having a desire for expensive things but as I got older it's become a bit of a phobia. A lot of it stems from some very bad financial decisions during my ill-advised way-too-early marriage. The ex-hub and I were neither of us very good with finances, probably as a result of neither of us really having any money.
We got into what seemed at the time some pretty serious debt. There were calls from collectors and there were days when I ate melba toast and jam from the food bank for days on end.
Eventually, with some help and guidance from my parents we were able to climb out of the whole we had dug for ourselves. This is especially fortunate because it meant that when the marriage fell apart we really had no debt to speak of. No real property either, but that's a story for another day.
As a result, I absolutely loathe being in debt and I have a hard time making large purchases, especially ones that I cannot pay cash upfront for. Seeing as I am looking at buying a house within the next year you know this means I'm pretty much shitting my pants at the prospect.
Today I am a happy girl, because I got my tax return back with enough of a return to pay off my remaining credit cards. I cancelled the one with the larger credit limit and the other one will be locked away, only for emergencies.
This means I am now down to one debt, my huge mother-loving student loan. It also means I have a little bit to play around with, although the bulk of what is left over will be going towards my down-payment.
Mommy wants a new shiny:
|Say it with me: “Ooooooh...”|
There's one of these babies in our local pawn shop for about $400 bucks. It's a Takamine acoustic (which is probably my favorite acoustic brand) with a built-in pickup. This isn't the exact one they have but it's pretty damn close.
My problem is the actual act of spending money. Over the next week I will probably hem and haw and think of a million and one things I *should* spend my money on... namely the kids, because maternal guilt, you know. They NEED things like summer clothes and I need stuff for the house and blargh blargh blargh.
I totally over-think this shit.
I can afford it. So why do I find every reason in the book NOT to treat myself?
I have another post up at Different Paths, Same Destination. Go read, and while you're there, give the other ladies there some love as well.