Motivational Monday: Money Honey

Piggy backing off last week’s post about knowing your price, this week is about relationships with money.

I don’t know about y’all, but I have a very, very abusive relationship with money. I’ve been evaluating my budget recently, especially after dropping $1000 on my car and $550 on a plane ticket. Both were paid out of my savings account. That’s exactly what the savings account is for. It’s for unexpected expenses like twiddling my thumbs on getting a ticket to Virginia for my niece’s birthday or replacing my brakes so I don’t, you know, end up in a car accident. Yet I’m still beating myself up over it.

I should have planned better.

I should have been able to pay it out of my checking account. 

I need to stop buying frivolous things like nail polish and clothes or eating out all the time.

And the list goes on. Like most beliefs and tenets, they’re formed when you’re very young. My mom in particular complains about the cost of things or comments frequently how the family has “no money”. Mind you, I grew up in the suburbs, went to private school my entire life (that includes college), and my sister and I never wanted for anything. That does make one raise an eyebrow. I only really got a concept of what things cost when I started working. By that point, the beliefs were ingrained in me. I’m certainly not inches away from poverty. Even if I didn’t live with Boy, I could very easily pay rent and all my other bills. However, I also don’t know anyone who would turn down more money.

Just like abstinence only sex education doesn’t work, neither does abstinence only budgeting. I may beat myself up over “frivolous” spending, but I’d be a hell of a lot more miserable if I stuck to paying the bills, putting most of what’s left in savings, and not allowing for many fun purchases at all. Boy, on the other hand, is a stereotypical Jew. We may not understand the other one’s financial philosophy, but it doesn’t make one better than the other. It just means he pays for dinner more than I do. 😛

Just like with any other negative self talk, I have to remind myself it’s a bunch of bullshit. I’m a perfectionist to a fault (just read the personality test). I have to have a perfect body, walk out of the house impeccably dressed and coiffed, drink green smoothies twice a day, and manage my money so it’s perfectly balanced. No one is ever going to be that perfect. It’s not possible. Sometimes, a girl just needs a new purse, though not at the expense of the rent. N’est pas?

Motivational Tidbit Takeaway: Money may make the world go ’round, but you get to decide which direction it spins.

One thought on “Motivational Monday: Money Honey

  1. Have you tried using http://www.mint.com to manage your personal finances? You can set up budgets, track your spending by category, and pull together all your various assets (cars, checking accounts) and debts (credit cards, mortgages) in one place. I have been using it for several years and am very happy with it.

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Google+ photo

You are commenting using your Google+ account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s