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?