Paycheck to PaycheckPosted: August 28, 2012
I’ll admit it. We live paycheck to paycheck. We don’t have a buffer in the bank account and aren’t a month ahead of ourselves. It’s not as bad as what it used to be though. A little over a year ago, we had no savings, weren’t paying off debt, and would count our change-up a week before payday in order to find money for milk, bread or gas. Now? Well, we’re saving, paying down debt (even if it’s slow going right now) and we keep money aside for milk and bread and other little grocery things that crop up.
But we’re still living paycheck to paycheck. But I’m okay with that right now. I know that after we get married, we’ll have a little boost in our money situation as we won’t have to put money aside for that. And once we figure out where we will be living in a few months, we’ll know what our rent situation will look like. Right now, we’re looking at worst case scenario of the high-end that we can afford. But we’ll be looking for something around what we pay now but in a better house.
I am looking forward to the time where if I have to spend an extra $40 on groceries, I don’t need to take it from our date money. Which is what I did this last time—because, hey, it’s got to come from somewhere right? Or we’ll get to a point in the grocery budget where I’m not spending it to the limit every single time and will have roll over money. How exciting right? But that’s the future.
Thinking about this weekend I realized I was really fine with what we are doing. Yes, it’s stressful at times and I am usually wishing I didn’t have to save as much money as I do. Or that I wasn’t trying to pay as much debt down as we are—but that was from our past mistakes so there’s no real excuse I can give to myself. And yes, it sucks to have to save up for something we want to do. For instance that concert we want to go to next month? We double checked that it was still on because if it wasn’t, we were going to be able to use the money for something else. But it makes us stronger people and I love knowing that we are living paycheck to paycheck because we choose to. It’s not out of our control-we aren’t spending like crazy people and instead, it’s all going to savings or debt pay down. So I’m proud of that.
Sorry for the rambly post-it was one of those days after one of those weekends!