I was talking with a friend the other day about common everyday topics ( things like: sports, money, unicorns, etc), when we transitioned in to talking about home ownership. I told my friend Girl Ninja and I were planning to save pretty aggressively so we could have up to $100,000 to use for a down payment. I then said something like “Once we buy a house, I will finally relax be more free-spirited.” Haha, yea right!
While I was punching Sallie Mae in the face, I thought becoming debt free would release me from frugality. But then came a wedding and a honeymoon, and a move so I focused on saving up for those expenses. In this season of life, I’m all about saving for a huge down payment.
But, and this is a big but, I’m officially coming to terms with the fact that there will always be something. Once Girl Ninja and I finally do buy our first place, I’m sure we will find something else to save for. A remodel, a new car, or that spaceship I’ve always wanted….
Although this epiphany could be depressing, it was a much welcome reminder that I will never have it all together. A reminder that I shouldn’t put off having fun today, so that I can have fun tomorrow. A reminder, that I sometimes lose sight of what’s important.
I obsess over a stupid goal (in this case saving up to buy a house), and allow that goal to distract me from a huge part of the personal finance puzzle…. Enjoying our money. Life would suck if all we ever did was save and spend, save and spend. Every now and again, living outside the budget is exactly what the doctor ordered.
Last time I checked, GN and I both like to have fun. So, while we will continue to work towards our goal of home ownership, we will also make a point to enjoy our journey through that process. I’ve currently promised her a “big” vacation every year we don’t have a kid. We are looking in to Mexico, Hawaii, and Brazil this summer 🙂
What is your current top financial goal? Do you allow it to distract you from contentment, like I do, sometimes? Where is the balance between healthy focus and super awkward awkwardness?