Does anyone else have a little trouble resisting the ease and comfort of internet shopping? I can use my phone, browse my wishlist or do a quick search and place an order from the comfort of my bed. Bang, done!
You’ll see my shopping cart is currently empty. But it would only be a matter of a few clicks to get the latest book I heard about on a favorite podcast. Or to order the planner that someone recommended to me. Darn you, Amazon!
I say this all while being extremely grateful that online shopping exists, of course. I hate store shopping. I was really excited when I read Sonia Sotomayor’s autobiography and realized she (like me) has no sense of fashion either. The act of shopping for clothes in particular sets me on edge. But shopping in stores generally is something I do not enjoy.
The fabulous array of things I can acquire simply at the click of a button is a smorgasbord of temptation. No trip to the store, no need to interact with anyone, no pushy salespeople to hover over me and try to tell me about their sales and specials.
The problem is that when it comes to something like books, I have very low resistance to clicking the order button. It is something I am working on. I tell myself I should go to the library and check out books instead. I love libraries. But it’s so much more WORK to have to go and search for the books I want!
They say time is money, but actually time is a lot more precious to me than money, because time is a finite resource. Money is something I can get if I work a little more, or save a little better. So when I calculate the cost of spending $10-15 at the click of a button and have Amazon deliver me in just a couple of days the book I want? Well, let’s just say my hourly rate for my day job means the low cost of online ordering is just too tempting sometimes.
This gets to something I will work on in the new year, with my husband because he has similar online shopping behavior. BUDGETING. Yes, it is an odious task, but we need to do it. Making a plan ahead of time, and then sticking to that plan is a much better way to live your life than looking back at the credit card statements and thinking: Hmm, so THAT’s where my money went last month.
The fact that we are double income no kids people and do not own a house means that we live a pretty carefree existence financially. Not that it was easy to get here, by any means. I’ve worked my tail off to pay off past debts, and get the kind of job where I am putting away a fairly large chunk into retirement each year.
I have bought and sold two homes, one which made quite a tidy sum and one which barely broke even right before the real estate bubble burst. Since 2007 I have been a renter, and I do not mind that. Hubby really wants a workshop though and a bigger garage than our 1-car “tuck under townhome” space (pictured here).
At some point, I would like a yard again. I do not particularly like living under a homeowner’s association regime about specific rules regarding paint colors and not leaving the Christmas lights up beyond January 5th. The neighborhood is lovely, but we will be ready for our own place in 1-2 years, perhaps.
Anyway, I have been thinking and reflecting upon the year (as one does this month) and anticipating what I may want to change in 2018. I have never been one to make resolutions for January 1st – the date seems too arbitrary to me. I typically like to start new things in the fall, because it is the start of a “school year” and I have always loved school.
This year though, I am getting my head around possibly leaving my job for a new one, and/or starting a side hustle and planning to buy a house again someday. It is different, now that I am married rather than just living with my honey. We had (and still have) our own bank accounts, along with a joint account.
We need to plan some goals together, and that involves being really honest about where we spend our money now, and being willing to figure out what kind of plan works for us. I will have to figure out how to quash the impulse to click the DAMN ORDER BUTTON when that impulse arises, rather than just nickle and diming myself with low-cost “book treats.”
We will need to work together as a team to figure these things out. Money has always been a difficult issue for me in past relationships. I am fiercely independent and have been the main breadwinner in my long-term relationships. I tend to be generous, and others have taken advantage of that before. But I want to be brave, and face up to my money issues, and have conversations about what we want for the future.
In general, I have a believe in abundance, and I value people over things. I believe I will always have enough. So it’s not about the things I have. Life is about the good people in my life, and living in a way that expresses my values.
In that spirit, and in understanding the way I spend my time and my money, I have a resolution for next year: to become more mindful of how I spend my money, and to work as a team with my husband to make more of those money decisions together.
If my wise readers have any advice for me on this topic, please share! In the meantime, I am going to try to meditate for at least 5 minutes before hitting the damn “order” or “buy” button and see how it goes.