Money Questions: What Financial Goal Do We Still Struggle With?
Daily Origami is a way for us to record our off the cuff thoughts, feelings and observations about the world around us. Published every weekday, Monday through Friday.
What is one big financial goal you still struggle with?
I have a tough time committing on a daily basis to this rigid goal:
Keep our spending below $36,000 a year.
This includes housing, rent, food, and all the other miscellaneous spending. Our savings rate is fantastic -- I save more than 50% of my income every single month. And in the end...you’d think this would be enough but it isn’t. Not for our longer term plans. Sometimes I find myself pleading with Ivan to let us go out to eat or allowing myself to buy that new paint set that I want. But sometimes, it’s just not in the budget (Editor’s Note: She’s being dramatic. She got both of those things). During those dire moments...when I really really want something, it’s hard to stay committed to spending less than $36,000 a year.
Because I never really wanted anything outside of books, travel, and a girl (got one), it’s hard for me to stay motivated to earn more money after my basic needs (rent and bills) are taken care of. As a freelancer, this makes me dangerously complacent, and it’s something I have to actively fight against every single day.