Once a spend-aholic, always a spend-aholic? Maybe?
At present I most certainly feel as though this frugal woman must be a recovering spend-aholic. We've gotten back the bulk of our tax refund. It's not enormous like some folks I know but it certainly isn't small either. Having that much money in the bank all at once feels a bit like winning a lottery jack-pot even if it is just a small sum of our money we paid into the government that's now been returned to us... basically as if we let them hold onto it for us for the year.
I have a swirling whirling storm of thoughts colliding within my brain that's almost debilitating as I try and decide where this money is going to go. Best answer: savings then debt. Period. Right... But...
Oh my gosh, the front stairs need repairing, we've been meaning for ages to put block windows in the basement, the garage is falling over (no, our house is not crumbling around us but there are repairs needed). The car definitely needs a tune up and yet that's the last thing I want to spend the money on. We're hoping to do a nice birthday party for the upcoming 3 year old. Then there's the fact that I have one pair of blue jeans that now have holes in the knees (yep, my only pair of pants except for my work khakis and then the maternity corduroys that I do actually put on if we're going somewhere nicer... it's embarrassing but no one knows except me). This sad state of affairs pretty well describes my entire wardrobe at present so I could spend some money on that for sure. Luckily my husband has NOT chimed in with all the ways he wants to spend the return. This is abnormal. I am truly waiting for him to dump a big "need" on me but he swears he hasn't one in his mind so in truth I'm super proud of him. I'd actually forgotten about needing to replace the basement windows and that's been his only suggestion so far. (That's truly not a "whoa is me" thing on the clothing situation. I despise clothes shopping so much even if I were rolling in dough)
We've agreed to put $1500 in savings. I'm scared to though. It sounds like superstitious nonsense but every single time I fully fund the emergency savings about a day later something breaks that requires all of the savings. It's not that things are breaking here and there all over the place all of the time. It seems it's only when we put a good chunk of money into savings. Ugh! Is there a way to trick the savings troll? Like maybe if I just stash cash in my underwear drawer instead of putting it into the "savings" account...
After putting money into savings we're left with enough to do one nice thing. Needless to say this is a good dilemma but it's kind of driving me crazy none the less. The biggest reason for the "dilemma" is that we're REALLY good, almost professionally good at nickle and dime-ing away our tax refund every year. It's so easy to do. I'm already doing it in my head. I just need to get this money divvy-ed up on paper and then we need to agree on the divvying and then we need to get to it. I wish I was better at decision making. I am not!
Average daily spending for 2015: $18.13