The other day I was browsing the news online, and "10 Reasons I'm Canceling My Credit Cards" caught my attention. The 10 Reasons:
- I'll spend less.
- The card bonuses aren't worth it (true that!!)
- Cash makes budgeting easy (again, a huge AMEN from me!)
- Less worry about identity theft
- Fewer impulse purchases
- I can still shop online
- Say goodbye to debt (I wish it was that easy)
- Cash rebuilds the link between what I earn and what I spend
- Cash helps people I want to help
That's the list from the article, and most of them I agree with.
It took me back to when Pat & I did Financial Peace University (Dave Ramsey's course), and we felt the "fire". We were pumped to make cash king, budget together every single month, etc.
While we haven't fully gotten away from that, we've certainly lost some of that fire.
Plain & simple: real life can just stink.
We get ahead one step, and shortly after something happens pushing us back many more steps.
Just when I think "phew, we will never be at square one again!, guess where I find myself?
And while I know that even wealthy people aren't exempt from such situations, I can't help but think the extra money would be a nice factor. (duh, right?)
It makes me question decisions we've made, like the value of a stay-at-home-mom, Catholic schools, clipping coupons, etc.
I'm doing what I can, yet we keep ending up where we started. It's not supposed to be that way!
I'm whining. Perhaps even having a slight temper tantrum.
But I feel discouraged & just plain sick of it.
On paper, we should be better than ok:
We're in our 30's, we both have our degrees, one of us an MBA.
I went to private school my entire life, kindergarten through college.
We both received above-average educations.
We don't take extravagant vacations.
Going off the last 2 points...it's not like I'm looking to do extraordinary things.
I'm talking about getting a playset for my kids in our backyard. Getting my eyebrows waxed when they first need it, not waiting until it's not coming from the grocery budget.
Enrolling my kids in martial arts (huge dream of mine).
A house with some SPACE, where the master closet is actually bigger than the kids' closet. Where more than 1 bathroom exists.
I'm not talking about private lessons here, or a trip to a fancy day spa. I'm not referring to a Rainbow playset that costs literally thousands of dollars.
Yeah, yeah. Offer me some cheese for my whine, I get it.
I need to get it off my chest, though. Sometimes that alone gives new perspective.
On the one token, I am proud of us for managing w/ what we do have. We're not bumming meals off of people, no one else is paying for our kids' clothes or tuition, and we've packed more into our 3 bedroom house than I ever thought we could.
We're healthy, and though it's not always stylish, we do have enough clothes for our bodies, food to eat, and a clean bathroom to use.
Then there is the other side of that token, basically this post of mine.
Ugh. When will it change? WILL it change? Is this just life? Do even the well-off get pushed back again & again?
Please share if you have some good insight. Because this soul over here is feeling it.