Random Note: I not really a big fan of calling Wife Ninja, Wife Ninja. I much preferred Girl Ninja (GN), and since this is my blog, and she is a girl, I’ve decided to reincarnate her title as Girl Ninja.
I was talking with Girl Ninja’s uncle the other day about normal guy things (sports, money, unicorns, etc). We then started talking about housing and what that looked like for Girl Ninja and myself. I told him we were planning to save pretty aggressively so we could have up to $100,000 to use for a down payment. I told him “I feel like once we buy a house, I will finally relax and be more of a free spender. After all, a house is the last big purchase I have to look forward to…right?” Yeah, I know, I realize how stupid that comment was.
When I was paying off debt, I thought that becoming debt free would be my ultimate release from frugality. But then came a wedding and a honeymoon, so I focused on saving up for those expenses. Now, almost three months in to the married life, I’m all about saving for a huge down payment.
But, and this is a big but, I’m officially coming to terms with the fact that there will always be something. Once Girl Ninja and I ‘take the plunge’ and purchase our first place, we’ll just begin saving for our next ‘project’. A kitchen remodel, children’s college funds, a batmobile, etc. When will it end? Never.
Although this epiphany could seem depressing, it was a welcome (and needed) reminder. A reminder that I will never “have it ALL together” no matter how hard I try. A reminder that I shouldn’t put off having fun today, so that I can have fun tomorrow. A reminder, that I sometimes lose sight of what’s important.
I obsess over a stupid goal (like saving to buy a home), and allow that goal to distract me from a huge part of the personal finance puzzle. And that part, mi amigos, is spending. Sure, Girl Ninja and I could put every un-budgeted dollar we earn towards saving for the future Ninja pad, but what would that mean for the next few years of our lives?
I’ll tell you. It would mean a lot of not-fun-having! And last time I checked, we both like to have fun. So, while we will continue to work towards our goal of home ownership, we will also make a point to enjoy our journey through that process.
What is your current financial goal? Do you allow it to distract you from contentment, like I do, sometimes? Where is the balance between healthy focus and uber-awkward awkwardness?
On a FUN note, we just got our wedding pictures back. We haven’t looked through all 1,200 of them yet, but here are a few of our favorites!!!! (more to come later)