My work day started at 6 AM (although I was up at 4:30!) and it was insane from the start! I had meetings back to back from 7 AM until 10:30 AM and then from 1:30 to about 4:30. I then had to run to school and do more paperwork after standing in very long lines! Finally from 6PM to 8:30PM I sat and listened to lectures! To say it was a long day is an understatement!
Then I came home and opened up wordpress only to realize that I had an unusually heavy traffic to my little blog . Thank you Andrea at So Over Debt for sending traffic my way! I’m thankful for the kind words and feel compelled to respond 🙂
First of all, like I shared with Andrea via twitter, I don’t take offense at all! I know that there is room for improvement and I’m embracing a more frugal us (Mr. and I). I appreciate all the help and support I know that I will receive on our journey! My hubby and I don’t have an income problem because as Andrea pointed out, we do okay for ourselves!
The comments to Andrea’s post were very sweet and supportive – thank you! I need it! However, a gal named Kay, who doesn’t have a lot of kind words for me, wasn’t very happy with me or my blog…not sure and honestly, I don’t care! Yes, I have debt. Yes, I bought a car that some people think is too expensive. However, we decided that if we were going to take out a car loan, it will be for a car that we both wanted, that was safe, reliable, gas efficient and that we can keep for a long time. We had a 15% down payment and a trade in for the car. We used money that we had saved up through the year to buy the car because it was going to cost us a lot of money to repair everything that was wrong with our car. We have an older Lexus from 1998 and we have over 144K miles on it and our mechanic told us that we can get at least another 100K on it. Further, I have not had a car payment since 2003 having paid off my last car 2 years early, which we plan on doing to this car payment.
The last time I used a credit card was when I bought Christmas presents at Forever 21 for my sisters because their return policy sucks and I wanted them to be able to have that protection in case Forever 21 didn’t allow them to return the items. Also, every purchase I’ve made on the credit card debt wasn’t mindless shopping, I do plenty of that from our checking account ;). A majority of that credit card balance & the Line of Credit was from a period of my life when my mom had a stroke in October and then my dad had a heart attack 6 months later. My mom was laid off of work and still recuperating and my dad was the only one working when the heart attack took place….and they couldn’t afford to pay for their hospital bills. I took on that debt knowing that a) I am really young still and make okay money; b) I didn’t want stress of not having money to pay for their hospital bills to cause them to have another stroke or heart attack; and finally c) I know I can pay it off.
The espresso machine was purchased with cash I had saved up because I knew I didn’t want to keep spending money on Starbucks and after tracking our spending, I could have bought 3 of those espresso machines! When I do buy a latte at work or on weekends, I do so with gift cards given to me on my birthdays or through my work – my co workers give out a lot of coffee cards! I have not paid for coffee since I bought the machine. When I go see movies, I don’t pay because my work also gives out a ton of movie tickets because I help out a lot of people do projects at work!
And, I just knew someone would comment about my hair. Look, my hair is extremely wild & hard to manage. I have tried to find someone to cut it for less than $50 without me looking like I have a triangle head. I have a lot of grey hair and since my hair has a mind of its’ own, it’s extremely hard to find someone who can color it correctly. I have tried so many times and I cannot even add up how much money it costs for me to have my expensive hair lady fix the cheap hair lady’s mistakes. I get my hair done only 2-3 times a year and this is an expense that DH allows me to have because he has seen the tiger stripes on my head and the god awful hair cuts I’ve had after 15 years together.
Bottom line, I know we’re not perfect and we have a lot of work to do but we will do it and we will get there. I am not making excuses, these are just facts of our lives right now. Do I regret the espresso machine purchase? No, because I do not spend money on espressos daily anymore. Do I regret my hair expense? Absolutely, every time. Until I change stylists and then lose 4 inches of hair, have crazy, frizzy triangle hair and spotty orange hair because the lady didn’t know how to dye it right. When that happens, I wish I would have spent the money to get it done properly. Do I regret the car purchase? No, I don’t because we made this decision together and we went through the numbers together.
What I do regret are the little purchases that we make day to day that prevents us from paying down our debts faster. The little things are what I regret the most, not the big & carefully planned purchases. I also regret my inability to cope with personal crisis & extreme stress. But like my blog is titled little by little, we will get there!