My new financial life… or how I told the window crank guy I couldn’t afford him today

It was really hard for me to do.

All of my adult working life I have been impulsively committed to paying for things. Specifically, things that needed to be done even though I knew I didn’t have the money to pay for it. I had this problem on top of being a compulsive shopper, and a novice hoarder.

The windows do need to be fixed so that they can open and shut the way they should.  But they are closed for the winter and I can delay what looked to be at least a $300 expense for at least 8 months.  On top of that I just had the drain lines routed for $300 when I thought it was going to cost $100.

The difference is – you just can’t live with clogged drain lines when toilet paper is collecting in the mysterious hole in the basement floor.  I can forgo other things while I deal with the extra $200 I didn’t expect, but to add another $300 to fix window cranks while my dishwasher also needs repair doesn’t make sense.

So why did I ask him to call?  First of all, I didn’t dream that replacing a couple of metal pieces would cost that much.  Second, and more importantly, because he was right in front of me and fixing the windows is on a long list of things I want to do for my home and I had been wondering who to call for that kind of thing.  And third, even more importantly, because it makes me feel like a big person to say confidently “Yes, fix my windows.”  It makes me feel for a moment like I do have that kind of cash flow.  It’s only $300 after all, and I make decent money.

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But my new financial life, thanks to The Money Finder, tells me that even though I make decent money, I also spend lots and lots of it and there is never anything left over and I would like to feel like a big person that saves money first – and then spends it.  The Money Finder helps me to be conscious of how much “loose” money I can throw around on impulsive – or emergency – spending. Even when it’s not shoes, I need to be much more aware of whether I can afford it and groceries.

That is another way to feel like a big person – being responsible for my spending.

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One thought on “My new financial life… or how I told the window crank guy I couldn’t afford him today

  1. Good for you! You have a plan and that is a really big step! I ‘need’ a new carpet for my bedroom which will happen when I save up the £300 for it, but in the interim there have been more serious concerns, like a boiler breaking which take priority. If I had already got the carpet it would have meant potentially having to wait for a new boiler or an even bigger dint in my emergency fund.

    Liked by 1 person

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