Monday, June 1, 2009

My Ah-Ha Moment

A few days ago Jonathan and I were arguing about whether this is the right time for us to buy a dishwasher. We would have to use a bit of savings to do it because we are putting most of our money in our savings account right now in a desperate attempt to spend less. I was dead set against dipping into our savings, while Jonathan thought it was fine because we've been planning on purchasing a dishwasher since we moved into the house and the one we wanted was on sale. As our discussion escalated Jonathan tossed out a brilliant tidbit: "Our savings exists so we can buy things!" Now, this may not seem like a shocking statement to most people, but for me it was a huge Ah-Ha! moment.

When we first got married we had no money. Heck, we had less than no money. Jonathan's parents paid most of our rent and we went over to their house for dinner a lot. It was a very lean, very scary time for us. Now that we are more financially secure I am paranoid of regressing back to that time in our lives. And as a kid I remember my dad losing his job multiple times. We never wanted for anything, but I remember one particularly tough year when my parents went through a good portion of their savings. Now that I have some control over what we earn, save, spend etc. I am desperate to have enough money in the bank just in case something happens. Here's the problem with that theory: you never know how much just in case might cost you.

This weekend I finally figured out why we have 2 savings accounts. One for the majority of our savings, one for things we may want to buy, like a new car for Jonathan, a dishwasher, lawn furniture, and on and on and on. I can't believe it took me this long to figure out that I don't have to freak out every time we buy something. Now, don't get me wrong, I like buying lots of small things like clothes, books and things for the house. However, when that figure creeps over $300.00 I start to sweat. I know $300.00 is not a lot of money but that is my base line freak out number and I'm pretty sure I can't change that.

Fortunately, I can change how I react when Jonathan asks if now is the time to buy a dishwasher. Turns out, it's not. Someday though I will have my little 18 inch dish cleaning wonder. And when that day comes I will remain calm and hand over the money.

1 comment:

  1. Don't worry, my freak out line is like $50! :)


thank you!


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