Over the past three years, I have successfully added a tremendous amount of debt onto my already-full plate. These things were either out of want, need or convenience. I have tried to work less than I used to or at least attempt to do thing I enjoy more; this has been hard to do. Between school, family, work and everything else there is not much time left at the end of each day.
At my age, I can point out several things about my life that are present and not common in other people my age. For starters, most people under 30 do not own their own house; they usually have not been married for 8 years and a few other things. I can point out more, but I don’t want this to be seen as being cocky. I am lucky to be where I am in the first place. There is just as good of a chance that I would have been turned into a mist of goo and bone fragments by a bomb on the side of the road, but I got lucky. No amount of my own doing saved my ass; I do feel that I have an obligation to live well because I can.
Now I could be talking in circles here, and if I am I hope it comes around to make sense. I’m not going back to edit this bitch beyond spell check. Anyway, I have been working hard to not have to work as hard by trimming the fat, so to speak, and making other changes in what we have and do. My wife has been super understanding in this and as much as she likes her soap opera shows, she would rather I don’t have to work the extra time just to make ends meet when money is a little snug.
I opened up the bill for my motorcycle the other day and realized that the promotional period is ending in April so I have to jump through my ass to get five thousand bucks together before they jack the rate up to the moon. My own impulsiveness got me to jump on a loan that I didn’t really need. It sounds silly because I’m a grown-ass man, but I still make those sorts of decisions. Anyway, it’s yet another learning opportunity. I see guys like me all the time. They are all excited to do something and then I sound like the old man who tells them “take my advice and save up for it”. That is advice I would have ignored though.
Anyway, towards the middle of June, I will have more money to save each month because I won’t have three bills that I currently have.
So… dummies… if you want something … just save your fucking money or buy something that will make you happy and you can just pay cash for. I will not make these mistakes again…. One exception could be a car loan because saving 15k in cash takes time.