Burn baby burn.

You know that famous saying “the road to hell is paved with good intentions”? Well I’m kinda realizing that the Ninja household is kinda guilty of having a few too many “good intentions.”

Exhibit A: Living off my income. 

When Baby Ninja is dropped off at our front door by a Stork, our plan is for Girl Ninja to quit her job and be a full-time stay at home mom. Since we don’t want to be devastated by the loss of her income (which will be about a 30% household pay cut) we’ve decided we should pretend it just doesn’t exist.

We live off my income, and bank hers.

Great plan right?

Too bad we haven’t actually forced ourselves to really practice what we preach. If we wanted to make this experiment realistic we would have her paycheck auto-deposited in to our savings account, since we never access that account. Instead, her paychecks go in to our regular checking account and at sporadic points throughout the month I’ll transfer money over in to our savings account. Most months, this amount exceeds Girl Ninja’s, but some times it doesn’t. It’s time to get our stuff together and get her check deposited directly in to savings. What you can’t see doesn’t exist right?

Exhibit B: Contributing to my Roth IRA. 

I swear I meant to contribute to my Roth at the beginning of the year. But here we are, two months in, and I haven’t contributed a dime. Retirement doesn’t save for itself. If I want to meet my long-term goals, I have to suck up the $5,000 expense/investment and pull some money out of our savings account. Every time I go to do just that, I trick myself in to thinking that it’s not the right time, that we could use the money for something else, blah, blah, blah.

Exhibit C: Not eating until I’m about to throw up. 

I have a serious issue with food intake. I don’t know if my parents starved me as a child, but many meals I eat way more than I probably should. I have this weird complex where I hate throwing food away. This means, even when I’m totally satisfied, I will eat another piece of pizza just so it doesn’t go in the garbage. Fortunately, I am relatively active and my metabolism apparently is too, so I still appear relatively fit. I gotta get over this weird psychological complex that says I must eat even if I’m not necessarily hungry, so that I don’t end up obese and with high blood pressure.

We bloggers typically only talk about the good things we are doing, so it’s refreshing to finally share some of the things I’ve been totally sucking at. What are some of your “good intentions” (financial or otherwise) that you’re not totally executing?

13 thoughts on “Burn baby burn.

  1. I am similar when it comes to food. I don’t know why, but I just cannot throw food away. I will eat every last bit until I have to crawl on the ground because I’m so full 🙂

  2. Why are you going to throw the food away on the first day? Pizza can last a week in the fridge and even a family size Pap Murphy’s pizza doesn’t last that long with 2.5 people. Though for home made medals get clear containers and organize the fridge so the oldest is at the front, that way you can get a quick leftover snack and you don’t have to remember which one is the oldest.

    As for retirement, you have the cash now just do it. Then for this coming year just set up a withdrawal from your paycheck. And now have GN’s payroll direct the paycheck into the savings account. These two steps will take all of 30 minutes, less than preparing your taxes!

  3. Oh and intentions I have but haven’t gotten around to? Building the nucleus hives for the bees, building the mason bee houses, clearing the blackberries and leveling it for the new apiary location and writing some blog posts.

  4. Why eat another piece of pizza when you can save it for lunch the next day? Are you one of those people who think left overs are gross?

    I can’t afford to waste food so I chop up vegetables before they spoil and freeze them for soups or pasta sauce.

    I screw up lots financially and that is why I have so much debt. Your problems are pretty minor and you shouldn’t beat yourself up over them.

  5. Dude, you can always put that other slice of pizza in the fridge and reheat it. Maybe not as good as fresh from the oven, but every pizzeria I’ve known has a couple of pies standing around from where they reheat slices.

    As for exhibit A, you might try doing a trial month where you force yourself to live without GN’s 30%.

    And as for me, I suppose my biggest financial problem is not saving enough in ready cash. But when you’ve been with a company for a long time (as I have) and are getting close to retirement age (as I am), you may find raises to be few, far between, and totally inadequate – even as your personal expenses keep going up. I suspect my employer’s attitude is that since I’m older, I would have a hard time finding a full-time job that pays better than my current salary, and therefore they have no incentive to sweeten the pot for me at this point. On the other hand, when you get closer to retirement age, the amount in your retirement accounts is far more important than any raises you might get. Since last year I made over 2/3’s of my salary from my investments, I suppose I have nothing to complain about.

  6. Put leftover food in a tupperware and eat it the next day! I almost never finish meals at restaurants because the portions are too big, but I don’t want to throw out perfectly good food or money, so I always get two meals out of it.

  7. Hello this eating issue is new I remember my son in college just eating the bread sticks and taking home the actual dinner to eat later – so when someone bought it you did have the need to clean your plate this is new.

    I’m just saying WE DID NOT STARVE YOU – we did eat out a lot as family but I do not remember ever telling you guys you had to eat it all or we would leave you in the restaurant….

  8. I imagine you’ll want to keep saving even after GN stops working, right? All the more reason to start banking her income now, because you’ll be living off even less if/when her income stops coming in and you’ll use your income for everything, including savings!

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