Living 1.300 miles from Girl Ninja is no fun. It’s only been a few days, but I’m already missing her like crazy. We aren’t fans of the long-distance relationship, but we’ll make it work. Although our situation is not ideal for marriage, it comes with one major perk: Some serious positive cash flow.
We’ve always kept a pretty tight ship when it comes to our money. We invest 15%, tithe 10%, spend what we have to, and save the rest. We’ve been doing our best to be good stewards of our income. After all, what kind of personal finance blogger would I be if I was totally getting pwned by our money? Answer: A pretty sucky personal finance blogger.
Over the next four months, Girl Ninja and I will see a decrease in our expenses, and a serious increase in our discretionary income (to the tune of about $1,800/month). I don’t know about you, but having that much extra coin makes me a very happy ninja.
I’m stoked because we have a chance to make some big strides towards our goals. We can start a Roth for Girl Ninja, we could add to our ‘down payment’ fund, or we could even use this as an opportunity to spend a little more frivolously… you know to buy that Justin Bieber cutout I really want.
Honestly, the personal finance nerd in me says “Take it all to the bank”, but the Ninja in me says “Quit being such a frugal fruitcake“. I mean, at some point there has to be a such thing as “over-saving”…right? At some point lifestyle inflation is expected, isn’t it?
Right now, we have no clue what we will do with the extra money. We’ll probably buy Girl Ninja a ticket to Germany so she can come visit me while I’m there. We’ll probably save a good chunk of it. And we’ll probably buy that Justin Bieber cutout I mentioned earlier. Ah decisions, decisions.
Do you believe in over-saving? What’s the different between being frugal and miserly? After saving what percentage of your income, would you finally loosen up and indulge a little?