Debt Reduction, Everyday Living

Changes in our financial circumstances

Even before the miracle that I call the month of February in the year 2011, I always considered my husband and I to be two of the luckiest people on this planet. We love each other ridiculously, we have a Cat who prefers us above everyone else (and that has nothing to do with the fact that we feed him and give him shelter, I’m sure …) – we have great families, we have great friends and we have acheived this weird sort of balance where we have everything we need and want for little. But we had cause for celebration this week when my husband got a promotion of sorts which will give him a nice bump in pay and more benefits.

The part of me that has spent the past few years reading any kind of article I can find on frugal living tells me that we should just pretend that this promotion has never happened and live according to our former standards. We’ll sock everything away, up our investment portfolios and live like we’ve had.

I’m going to keep chanting that mantra to myself though, because I’ll be honest … there are some things that my husband and I have gone without for the past few years while we’ve waited for this ship to come in. A real vacation, for one … computers that work are another.

I don’t need a new or fancier car. I can live with the antiquated drapes in my living room. Although I want to get rid of the carpeting in the kitchen, I can wait until my unborn, twinkle-in-my-eye children are teenagers before replacing it. I just want a computer that works and does not grind to a halt when I try to run three programs at once. And a new cell phone. And a long weekend with my husband in Duluth.

And fully funded Roth IRAs. And 401ks that we take full advantage of. Emergency funds that will tide us over for six months or more if something crappy happens.

I’m going to take a moment to praise the Lord for taking good care of us. And I’m going to take a moment to praise my husband for being a patient man and for keeping his eyes on the prize when there were times that we didn’t think this promotion would come through.

We’ve had pizza and take out a couple times this week in celebration. It’s now time to go back to our former lives and start saving towards a better future.

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6 thoughts on “Changes in our financial circumstances

  1. I’m very happy for you. During the 4th quarter of 2010, when i was working a contract job that, on an annual basis, worked out to $104K, the “plan” was to continue living as I always have, frugally, but I couldn’t resist a few treats for myself. Nothing outrageous really. Just a few Friday night Chinese takeout dinners, an air purifier and about $100 worth of jewelry.

    Sigh. Now that job is gone and I’m back to Frugality by Absolute Necessity.

  2. Congrats to you and hubby. 🙂 It’s a long time coming. And it’s ok to celebrate, especially by your definition. 🙂

    We’ve gotten take out a couple times in the last 3 weeks too, to celebrate some extra income ourselves. Boy, are we wild.

  3. I will add that a wise person once told me that you should enjoy yourself occasionally too – obviously our society as a whole has no problem doing that too much…but the goal is not to die with the most money either 🙂

    SO happy to hear!

  4. Congrats to both of you! (Your hubby for the hard work, you for still being determined to spend smart)

    Honestly, a long weekend in Duluth is practically necessary for your marriage, the fun you’ll have planning and during and reminscing will make that weekend last much, much longer. Your mental health and marriage health have to be part of the bigger financial picture too!

    And new computers are definitely reasonable, you can find some really great deals out there for not much money (our current, 3 year old computer was only $400, and it came with a DVR, so we tape even over-the-air TV if we want, which is great for PBS shows for the girls), and a better computer will help you not waste so much time just waiting and will give you more options for frugal entertainment if it can keep up.

    I think you’ve got great balance at what you’re looking at doing with the raise!

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