The Lazy Wo/man’s Way to Riches
I always had enough even at my hardest moments, but what is enough? Enough to me is having all that I need, within reason of course. If I were to make say, $500 a week, it’s not really practical for me to go out and buy a coat that costs $1000. I’m taking away from my necessities. I’m taking away from my future. My actions with money aren’t healthy or balanced and, therefore, it might hurt somewhere down the road. I can’t forget that I have basic general obligations as an adult, as a human, such as rent/mortgage, food, clothing, etc.
I’ve recently realized that I should pay myself first. What??!!!?? How could this be? Aren’t my obligations more important? Shouldn’t I be paying every one else back that was kind enough to lend me the service in the first place? The more I thought about this, the more I agree. It’s not selfish. It’s the fact that I come first. My health, stability, and well-being aren’t worth anything if I’m not my best, so yes, I should pay myself something first. That payment will go into an account that is for investments. They are investments for my future.
I was never good at budgeting. However, I’ve never been an over-spender, at least for the most part. I’m grateful for this realization because while I live comfortably, I needed to make some wiser choices and better habits.
I can happily say that I have graduated with consistently and effortlessly putting 10% of my paycheck into a savings account for a while now for emergencies, and I’ve also been putting another 10% into a separate account for investments in my future.
Keep within your limits. Do your best not to put yourself in any more debt. You’ll regret it later and you’ll most likely feel bad about it. It is, in fact, only money. Money is energy, so give it what you will, but it’s best when you have a healthy relationship with it. Treat it well, and it will treat you well.