Though in a good way, so before you get your knickers in a bunch, let me explain. 🙂
Hi everyone! I hope you’re having a great January so far and staying warm to those in colder climates. I’ve been keeping busy with trying to get my long runs in for my half-marathon with Tonya and, of course, planning my wedding (tangent: does anyone remember the Seinfeld episode with Susan Chang? I kind of had that moment when I was writing my name with B’s last name on the marriage license application – like what if people see my name and envision a tall German goddess and then I come strolling in with my vertically-challenged Asian self??).
Anyway, I tried to think of something more PF-esque to write about, but now that there’s no debt to take care of – I’m all sorts of boring now! Well.. not that I was so incredibly exciting before, but I suppose this is what peace of mind and security is about. Kinda boring, but it’s not a bad thing. I remember a friend telling me (during my ‘bad decisions era’ when I would constantly date bad boys) that just because a guy might seem boring, doesn’t mean that it’s a bad thing – it just means there’s no drama or stress. Well, I suppose the same can be said for what I’m feeling now – the fleeting courtship phase where I was all excited about not having debt is gone, and in comes this kind of mellow comfortable phase, I suppose. It’s boring in the sense that it doesn’t preoccupy my mind or stress me out, which are obviously very good things!
I have also noticed some worry has diminished now that I have a realistic budget set in place backed by last year’s data (B and I’s first full year of co-habitating). It’s still challenging to balance at times since, admittedly, being frugal and not buying things impulsively still takes some work for me, but at least now I don’t get frustrated when I don’t meet a previously unreasonable budget metric (say, $400 for groceries since realistically ours is at $500 – he’s a big Mungo eater! Well… and, okay, so am I). I’m still working on fine-tuning the budget since we’re starting to co-mingle funds, but this year has definitely been easier to manage (though I do realize it’s constantly changing/evolving, especially if we hopefully have little ones).
I do think it will get more exciting once I start looking into maximizing my investments more (right now I only really invest in index and P2P, he invests more). But for the time being, at least through Quarter 1, I’ve decided to just relax a little in terms of PF stuff (though still keeping in line with a budget!) since wedding stuff and training are taking up a lot of my free time. I will confess that now that I’m physically making these tail-end payments to wedding vendors and having that fund source whittle away, I do at times get a tinge of remorse at having such a big (well, medium-sized when compared to others) wedding. However, I do believe that these tinges will be squashed once the day arrives since it’s going to be one heckuva reunion, and it at least keeps me in line with not impulsively buying ‘little’ touches that can add up to a lot. So I just gotta keep going with that belief (and if there is remorse, I’ll admit it, pinky swear 😉 ).
Have a great rest of the week and let me know how your personal finance progress/goals are starting off for you in 2014!