Sunday, March 11, 2012

Sick of Saving!

For so long, we've been pinching pennies and trying to save money so we can build our house.  I'm so sick of saving money.  I want to spend!  At a certain point, it just gets old to not spend what you really could be with your income. 

Saving 40 to 50% of your income is possible but it doesn't allow for much fun.  I know I shouldn't think this way because we still have more fun money now than we did right away when we got married but we make a lot more money now.  Our friends make more money and it sucks not to go to concerts and such when we're invited. 

I dislike rarely going out for lunch.  I know its frivolous but bringing my lunch everyday gets old.  I know that I'm sounding like a whiny baby but this is how I feel. 

Do you get sick of saving/paying down debt?  How do you deal with it?

14 comments:

  1. If you never do anything, maybe it's time to loosen up your budget a bit?? I LOVE going to concerts, etc... I think if you're not having any fun, your budgets too tight. There's more to life than saving every penny. ;)

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  2. Yes! I get sick of paying down my debt around the middle of every month. I deal with it by looking at the white board I have on the wall across from my bed that has all my debt written on it and pictures of everything that I want to be able to do once it's gone. That gives me the motivation to keep going most days.

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  3. I give myself rewards for milestones reached. Maybe for every 2,000 you save, you get 200 to do something fun? You could pick the amounts, but it might help you feel like you're getting to enjoy life more.

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  4. Yep, I do get sick of it. Then when I do, we put a little bit of money aside and do something fun. It doesn't have to be a lot. Like today, I said "I miss going out for breakfast", so just Amy and I went, and we spent only $20...it did a lot for my mood. I like LBC's idea of rewarding yourself for a milestone.

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  5. I think you have to work in some fun or a treat or you end up miserable and blow the budget

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  6. I agree...saving sucks sometimes! I like to give myself little treats once in awhile. For instance, I bring in lunch everyday, and about once a month I go out with my coworkers for lunch. Or, I always bring my own coffee, so once in a while I'll treat myself to DD. Sometimes, it's just the little things that make a difference :)

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  7. Yes I did get sick of it, but in addition to the goal of paying off all my debt I also had a goal of moving to Thailand. I think that provided the extra motivation when I became tired of always being frugal.

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  8. It compares to dieting doesn't it? You know it's good for you and will pay off in the long run, BUT right this minute it sucks. :D

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  9. Totally agree with you. I definitely feel this way when BF doesn't want to go out. We literally stay home every weekend, it gets tiring. Sometimes you just have to treat yourself, but reign it in after that splurge. Nothing too expensive though!

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  10. I understand completely. I have been on this rode so long and I have a long way to go. But I do treat myself once in a while. But the small debts were easy and the snow ball grew but now it is the same for months and months, I fell like it has been forever since the last payoff. I do have a large one coming up shortly. But then it will be months and months again. Whine..... sigh....

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  11. It is hard and it does get very, VERY boring. I get to that spot a few times a month, but they're quickly dismissed. You should plan, and save for, a vacation or a gift for yourself. I don't mean go out on a whim and spend $500 on an iPad or a new TV, but save for it along with your regular savings. Let the days, weeks pass. For some reason, that gives me a sense that the savings are not just long term, and that I can enjoy while I save. Perhaps as a quick patch, give yourself an increase in your allowance for a month and do as you want with it?

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  12. Seems like everyone has already given you great advice so there isn't much left for me to say.

    I was going to do suggest something crazy like taking a month off from taking to work lunch or something, or going out once every weekend for a month but then I know how equally important the house is to you and I not sure something crazy is the best idea.

    Treat yourself though. Something nice and simple like ice cream may do the trick, you never know.

    I try to remember how long ago my last treat to myself was and how expensive it was. I also tend to prefer treats that having lasting value, like my new cell phone. I use it every day so it's easy get joy out of it and know how much it was worth.

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  13. I've felt like that, it's hard when it's all going to debt. Sometimes you need to take a break and have a small treat.
    I feel really boring a lot of the time as I don't do things so we can save money.

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  14. Yup. When those moments happen the husband and I decide to take a month off (minus retirement) and have some bonus fun. We may decided that this means a shopping trip, a new game, a book, a few less in home cooking days, etc.

    By doing this every so often, we can keep ourselves in check. As for having to turn invites down with you friends, maybe for every 3 no's you get to say yes once in a while?

    It helps to keep a level head and not to spiral from one extreme to the other

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