Money Obsession

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I think one of the things I struggle with most is obsessing over money.  If you’ve read my blog for quite sometime, you probably aren’t surprised.  There are many times that I worry about our money.  Will we have enough? Am I saving enough? Am I keeping a good balance between spending and saving? Should we pay more on our mortgage?  Many questions run through my head all the time.  Sometimes I think about money so much that I drive myself crazy.

It’s hard because I work at a bank, and also have a personal finance blog that I use to talk about money.  Money is a large part of my life, and probably more so than most people.  Sometimes I think about finding a new job that’s not at a bank, but then I realize that I’ve got so much invested in my current career and I want to be a stay at home mom as soon as I have a baby (which will hopefully be sooner than later).  I don’t think  I should jump into a new career when I really am not looking for a long term commitment.

It is such a struggle to figure out money sometimes.  Thankfully, we always have enough to cover our bills and have some money left over and I am so grateful for that.  It’s just that I think about the stupidest things sometimes and I wish I didn’t do that.

I think for so long I’ve tried to limit expenses to the bare minimum, and it’s made me a little crazy.  For instance, I have used my laundry detergent recipe to make laundry detergent for the past few years.  A couple months ago I picked up some eco friendly laundry detergent at the store and it just makes my life so much easier.  I feel better when I use it for some reason.  So, I’ve decided that I’m going to buy that laundry detergent and just use less.  It’s worth the extra little money to make me happy.  I’m tired of trying to save as much money as possible.  There’s no sense in depriving myself when it’s not an absolute necessity at the moment.

Another thing that I’ve tried to do is keep the thermostat low so we save money on our heating bill.  While I still try to wear a sweater and keep the heat down low, I have also decided that I’m going to turn the heat up if I am cold, and I’m going to keep it as warm as I want it.  I learned how to budget for irregular expenses, and I’ve applied that to our electricity bill.  It’s been working very well.

I guess over the past few months I’ve been a little more lax on money.  Sure, I’ll be the first to try to save money on whatever, but I’m not about depriving myself to the point that it stresses me out.  That’s really stupid.

How do you deal with stress about money? Do you obsess over money too?

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9 thoughts on “Money Obsession

  1. Becky R says:

    I make my own laundry soap (have for at least 7 years) every time I go to store and am tempted to pick up a green detergent I am shocked by the price. I spend about 10 dollars on supplies and make at least 10 gallons with that. That is about $1 per gallon.

    But you are right you have to not be so frugal sometimes.

    I just bought a $200 Vac then Steam when I had a broom and mop, but I do my floors every night (and it uses no chemicals) I am very glad I chose to ditch my frugal ways on this.

    Also if you have at least 6 months in an emergency fund, have no debt, can pay all your own bills every month (without help from government or anyone else), and consult God on your purchases then all is good.

    I really enjoy reading your blog.

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  2. Kacie says:

    I wrote a post long ago, something about “No more deprivation in the name of frugality” and I think it applies here. Your time is worth something! And you shouldn’t dread a frugal task.

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  3. krantcents says:

    I am absolutely fascinated with money, but I already achieved many of my money goals. Writing my blog is more love than anything else at this point, but I am definitely comfortable. The a huge difference between striving toward a goal and having to achieve it to live. Keep going, the reward is waiting for you.

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  4. Justin says:

    I definitely think there’s a fine balance that should be had-

    On the one hand, saving money is important and something Americans are HORRIBLE at. I’m a huge fan of the idea of creating my own laundry soap, but my wife and I still haven’t gotten around to that yet… but we do save money other ways 🙂

    On other other, I’d hate to be on my deathbed, looking back and regretting never eating out with friends, never traveling, etc.

    So no worries- I think as long as you’re saving at least 10% of your income, you’re doing pretty darn well!

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  6. Stu Lisonbee says:

    We are of a similar mind it sounds like! I used to keep my thermostat at 53 degrees… during the day! We also gave up many convenience items and did things “the hard way” in order to save what amounted to a few dollars per month. What I eventually came to realize is that my money seems to get spent no matter what, so unless I’m dirt poor (which tends to happen on occasion) I’m going to turn the temperature up and buy my convenience items 🙂

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  7. Amy says:

    I’m sticking with the homemade laundry detergent. It’s just WAY too much savings to give up. I’m all for keeping the heat (or air conditioning) at a comfortable level though. ESPECIALLY once you have a baby. Their comfort and thus their ability to SLEEP will become a top priority, so don’t put yourself through any unnecessary torture there!! :). I also don’t cut costs with organic food. I try to find it cheaper & I grow what I can. But if I gotta pay more for it, I still will. Can’t really put a price on good health. If we’re lucky, we’ll save in the long run on health related expenses, right?

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    Mrs Money Reply:

    Amy- I think I’m going to give it a shot again when I run out, but this next time with a better recipe. I completely agree on the food- I think if we eat organic we’ll be less likely to have health problems later!

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