I am tired of thinking about money, budgeting, making goals and questioning my goals. I just want a break from it all. I don’t necessarily want to go on a shopping spree or book an really expensive vacation. I just want to set our spending and saving on cruise control and not stress about it like I seem to be doing.
We are currently at the end of a very expensive month. There were dinner parties, house guests, baby showers and birthday celebration. I did my best to budget for these expenses but I was off by a lot. My husband and I had our first date night in years. This was not a budgeted expense, and at first I tried to discourage my husband from making plans. But my in-laws practically kicked us out of the house and told us not to return for several hours. We ended up going out to dinner and to comedy show. It turned out to be much more expensive than I thought it would be. At the beginning of the evening, I was mentally calculating how far back our date would put my financial goals. I decided to not worry about it for the evening and enjoy myself. So, we dipped into our savings a little. Now, I am trying to feel guilty about it.
Today was another example. I have been putting off making a trip to the store. We were in desperate need of toilet paper and a few other health and household items. As I was shopping, I stopped by the food section because my husband requested crackers. I picked them up without second thought. But when it came to purchasing food items for myself, I stood in the aisle have an intense debate with myself. Did I really NEED bananas? Sure, I eat one every morning for breakfast. Was there anything in my house I could eat instead of buying them? I was out of bananas this morning and ate some baby carrots. Does this mean I just want bananas but don’t need them? I ran into the same dilemma with granola. I literally spent 5 minutes starring at the bananas and granola. In the end, I opted for just the bananas and put the granola back.
I guess guilty feelings and internal debates are all part of being financially savvy. But is there a better way?