Monday, November 21, 2011

With my mind on my money and my money on my mind

I hate budgeting. I hate thinking about money, nor am I good at it. I guess there are very few people who like watching their pennies, but sometimes I wish I was someone who could get satisfaction seeing their balance grow dollar by dollar when saving money. But I am decidedly NOT one of those people.

Since we bought our house this summer, I am much more concerned about our finances. Actually, moving to a mortgage helped bring down our monthly payments, but now I have the future to worry about. How long will the roof last? We need a new water heater. The AC is on its last legs. I would love to add an outside entrance to the kitchen. The list goes on and on.

Most of the time I feel very lucky financially. I am able to stay home with Wiggle. We just bought a house. We have health insurance. We are able to have only one car, and that car is in good condition. So many families are not nearly in as good a situation as we are, especially right now. We are lucky, and I know that, but that doesn't mean that I can be careless with money. And there are still plenty of times when it would be really nice to do this AND that, but we will have to decide to do this OR that. Not really hardship, but as we approach the holidays, and we get closer to adding a new bambino to the family, and as I apply to go back to school officially, a little breathing room would be nice. This means that for the next few days, I will be looking at bills, going over receipts, trying to plan out upcoming expenses, and generally get mired in our money matters.

Afterward, I hope to have a better idea of where to and when the money is going out, and when I can expect to be able to do things like buy a new refrigerator or renovate the bathroom. I am not in a huge hurry because I don't envision having tons of time to manage any major projects in the next few years between school and the baby, but it would still be nice to know that I am working toward being able to make those changes.

It will also perhaps help me reign myself in a little more when I crave some retail therapy. I do not consider myself an extremely wasteful person, but I do have a hard time prioritizing my purchases sometimes. Also, when I need a jumpstart even though I have a million things I could do around the house for free, I would generally prefer to look for new towels or try look for the exact-sized basket for that shelf that is clearly standing between me and complete and total organization, and therefore happiness. I couldn't grow up in Dallas and not have some of it rub off on me after all.

In order to curb my retail tendencies lately, I have turned to another Dallas favorite - make-up. Feeling down? Sequined purple nail polish or bright red lipstick do seem to help a little. If nothing else, they make cleaning the bathroom or vacuuming under the couch a little more glamorous.

Once I get the money thing figured out, I can move on to the master schedule that will allow me to fix-up the baby's room/empty it of clutter, finally finish our kitchen cabinets, read all of Game of Thrones, knit a few items, whip up a few Christmas gifts, finish going through all of our photos on the computer, and generally relax during the month-long Christmas break. I mean it's just a good schedule that I need, right? I can't imagine having to adjust my expectations. That couldn't possibly be the problem.

I guess it's gonna be awhile before "Satisfice" will be my middle name.

A little fall fun in the leaves


  1. I can relate to so much of this. And Wiggle looks wonderful, as usual, in that pile of leaves! :)

  2. Wiggles mom,I have reading a few of your blog posts and I totally love the way you put your thoughts to words.I think you very much deserve this award and would love it,if you continued writing,of course when you find the time.Please refer to my blog for the details of this award.