Thursday, November 15, 2012

even when you have it, it feels like there's never enough

The whole married budget thing is still a little up in the air. Bunny and I both have our individual data from October, but I've yet to get a hold of his cashflow information and start combining all the information and really working on the data. I'm lazy about it. I'm also a little scared. Even without putting the data together fully with what I do know I'm sure we're doing alright. Money's a big worry for me, and it always will be.

Do we have enough? Can we afford the things we want and need? Do we have a big enough emergency fund? Are we spending too much on stupid things? Will we ever have decent retirement funds and be able to afford a house? Why was I so happy to let Bunny quit the lucrative career before we took advantage of another year or two of that salary to put towards a home? (The answer to that last question of course is for both of our sanity and our relationship, and support him in doing something that he loves as a career.)

In the grand scheme of things, I'm pretty sure October was a good month. Yes, we had to pay for the root canal and that was painful. Yes, Bunny took more than a few sick days this month. Luckily we found some significant cash, in actual bills, that we had quite literally forgotten about and were able to use towards that expense. Honestly when we can forget about a few hundred dollars and not be stressed about it? We can't be doing that badly. On top of that, we were able to pay all our bills including a couple of large and irregulars that we usually don't see, throw some extra money towards the ever decreasing debt and put some significant cash in savings. All of that, and we didn't even have any freelance hours this month. That's a big deal mostly because Bunny's freelance hours are where we're able to get the biggest payout per hour and it's money that goes straight to our long term savings funds, so it's pure gravy. On top of that I had some nice paycheque surprises myself, including an extra fifty bucks on one cheque, a sweet little performance bonus in the form of a gift card (new shoes, here I come! - or not) and the news that I'll be getting somewhat of a raise next cheque which is always a great thing.

We're doing alright. We have money in the bank. We can afford everything we want or need. We could afford to live on our own if that was our priority right now, and that's a priority that's always under review. We can afford to help my mom out with some around the house things as they come up, and we intend to. Still our financial goals feel a million miles away. Buying a house? Doing so with a big enough down payment that we have an affordable mortgage? That feels almost impossible. Going to Spain in a year or two feels more doable, but that expense would seriously cut into the house fund. Even though my student loans are ever shrinking, it still feels like I'll never get out of debt.

What's particularly ridiculous sometimes is knowing that I'm the one who likes managing the money in this relationship. I'm a little bit better at it, by both of our accounts, although Bunny's pretty good with money himself. For all that I worry, always, I love coming up with budgets and paying the bills and watching the savings go up and the debt go down. It's my thing. It's such a stressful thing.

How do you feel about managing money? Do you enjoy it? Is it stressful? A combination of both?

2 comments:

  1. I love managing out money. It's like, a sickness. I have spreadsheets and charts and long term plans, and I think about them when I can't sleep.

    I am a very, very lucky woman, in that counting my money makes me feel happy and not stressed. We're not rich, but we're comfortable, and I love that about my life.

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    1. I'm jealous! I enjoy being the money manager and I love coming up with budgets and spreadsheets but there's always a little bit of stress involved in it for me.

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