It’s OK to Feel Guilty About Spending Money
It’s date night.
This means we are likely heading out to eat. But as usual, I feel uneasy about potentially spending money.
The feeling confuses me. And it’s a recurring one that I’ve been struggling with for a long time.
I try to tell myself that we budget money for going out to eat so I shouldn’t feel guilty so I try to fight it.
But it doesn’t work. The guilt doesn’t go away.
So I resort to stuffing that feeling of guilt deep down and we go out to eat anyway. And what do you know? The guilt monster rears its ugly head the next time I’m faced with the same decision.
The fact that this has been happening to me on a regular basis got me thinking. Why do I feel guilty about a planned expense? I thought I had the balance between saving and spending figured out!
What has been happening?
What is this reaction trying to tell me?
Asking myself that last question is what finally triggered my “aha!” moment.
Embracing the Guilt
After months and months of dealing with this damn guilt, it finally dawned on me that maybe the guilt wasn’t there to simply make me feel bad about my decisions. Maybe it was there to tell me that another fucking growth opportunity had presented itself.
Don’t get me wrong, I love growth opportunities. But they take work. And the work is exhausting at times, which is probably why I had been ignoring it for so long.
With this said, the idea of flipping the script on guilt and using it for a potential growth opportunity was so exciting to me.
This is what I needed to relieve myself of the negative feelings that arose each time I felt guilty about spending money.
Flipping the Script on Guilt
Guilt is simply one of the many emotions we feel as we travel through this life. And what are we supposed to do with emotions? Feel them!
Emotions aren’t meant to be swept under the table and ignored. They are there to remind us that we are human-that we are alive.
By acknowledging the guilt and asking ourselves some questions to better understand its source, we have the potential to create something good out of this shitty ass feeling.
How do we go about flipping the script? How do we learn from feeling our guilt?
Here are three questions to ask yourself.
Use them when you feel the guilt monster creep. They may just help you turn your experience into a positive one, instead of something that simply pisses you off!
Questions to Help You Understand Your Guilt
The goal with these questions is to dig a bit deeper into the source of the guilt. By doing so, you can process and work through the guilt instead of shoving it under a rug-which, of course, is what we all want to do. But that won’t help us grow.
When you ask these questions, remember to be kind to yourself when you answer. You made the decision you thought was best at the time. It ultimately may have not turned out to be the best decision, but as long as you’re using it as a growth experience now, then it’s a total win.
Here we go with the questions to use to make some sense out of guilt.
1. Did you plan for the expense?
The unplanned purchase is one of the most common triggers to make those guilty feelings pop up
But when that inevitable unplanned expense or purchase arises and hits that guilt trigger, think about why you feel guilty about it.
Is it because it derailed your savings plan? Did you have to steal money from another priority to pay for the unplanned expense?
Now it’s time to flip the script and help yourself out. Think about ways you can help yourself and your budget moving forward.
Maybe you have to budget more money in your fun money bucket to cover those unexpected concert tickets. Or maybe you have to make a pact with yourself that you will only buy what is on your Target list.
2. Is the expense lined up with your values and priorities?
This question may be one of the harder ones to answer since you have to have a good sense of your values and priorities.
Priorities change as we move through life, so this question ends up being a great one to learn more about who you are and what you want right now.
When you are thinking about how to answer this question, maybe you realize you feel guilty that you spent money on a ticket to a football game that all of your friends are going to, even though you hate football, isn’t the best use of your money. So the next time the opportunity presents itself you politely decline.
Or maybe you feel guilty about spending money on a housekeeper. But after asking yourself this question, you understand that a housekeeper is one of your priorities because it frees up time for you to do other things you value. And maybe your feelings aren’t necessarily guilt but fear of what others may think of you because of your choice to pay for some help around the house.
3. Does the expense meet your expectations?
This question is a new one I’ve been trying out and it’s been helpful at bringing intention and reflection into a purchase decision.
If you feel guilty after making a planned purchase, then maybe this is a sign that more intention needs to go into the next purchase.
This could be in the form of a list of what you both want and need from your expense.
And then you could do a little more research to make sure those priorities are met before making your next purchase.
Or if you are feeling guilty even before you make the purchase, use this as a sign that you need to dig deep and figure out exactly what you want this expense to do for you before spending the money. And then make sure your expense meets that expectation.
For example, if you are feeling guilty before you even buy a new jacket, take the time to think about what you want/need to get out of that purchase. Do you want it to be waterproof, warm, or with a hood? Buy exactly what you need so it doesn’t feel like you wasted money.
Bringing It All Together
Let’s go back to where this all started-me feeling guilty about spending money on going out to eat.
When I realized there was something behind the guilt that I needed to address, I walked myself through these same three questions.
Was it planned?
Yes, it was. We budgeted for it and have a pre-planned date night once a week where we typically go out to eat.
Did it align with my priorities and values?
I was pretty sure it did. Like I said, this one is the toughest question as you need to have a strong sense of your values and priorities. Dining out is something that we love to do and we make it a priority to try new restaurants and visit our favorites. So it seemed like going out to eat was part of our values.
Will I get what I expect out of the expense?
Here is where my aha moment happened.
I realized that I wasn’t getting what I wanted out of the expense of going out to eat. I wanted the expense to be a fun night of spending time with my partner doing one of our favorite things.
But instead our date nights turn into simply looking for the cheapest place to fill our stomachs. We weren’t trying new restaurants or going to one of our favorites.
After this realization, we are working to address this in two ways.
First, we plan to make some of our date nights a little more special by picking a new restaurant or an old favorite instead of simply finding a happy hour. Sure, we may spend more money, but the expense more closely matches our priority of enjoying our local restaurants.
Second, we are going to focus on making our date nights about spending quality time together as that is why we started doing them in the first place. This could end up being things like making a nice dinner at home together, playing a few uninterrupted board games or heading to the local beer garden for a drink.
I got this and so can you!
I’m feeling great about my aha moment and how I plan to move forward with addressing the guilt I felt when faced with the decision of going out to eat or not.
But I know that there is another fucking growth opportunity waiting for me right around the corner. Personal growth is never-ending. And guilt is going to strike again.
But by treating the guilt as a pathway to growth instead of a “dammit I screwed up again”, we can flip that script to feel empowered to make a positive change instead.
The answers to these questions may not reveal themselves right away, but stick with it and eventually, that aha moment will hit you right in the face.
You got this! Own that guilt!
Originally published at https://www.cashfortacos.com on October 14, 2019.