let's talk about money.
we all know that money can't buy love (or happiness). but having enough of it around NOT to stress about it sure helps.
medical training is an interesting experience, financially. you go through years of scraping by, often with loans and no true income to speak of. then comes residency -- with a real monthly paycheck!
it's certainly not a gigantic paycheck (and in my opinion, not a paycheck to match the amount of hours/blood/sweat/tears that goes into the job). however, coming from the lean years of school, what we get as residents feels pretty clutch!
josh and i live in a one-bedroom apartment and drive 8 year old (non-gas-guzzling) cars. we don't have cable or smartphones (yet). neither of us frequent starbucks. we've never had anyone come to help clean (i'd rather scrub the toilets myself and receive 'payment' in anthro goodness). i bring my lunch to work every day.
but i am typing this on my new mac book pro. we go out to eat a lot, and i buy 90%+ of our groceries at whole foods. we take nice vacations (usually one big one per year). i spend a small fortune on my hair and i've certainly laid down a few bucks at anthro.
we do have a savings account that i have declared VERBOTEN (ie: do not touch!) and we put away money into retirement funds each month. but i'm not going to lie -- we've had some pretty epic credit card bills recently. things seem to be balancing out all right for now, but there are changes on the horizon, namely:
■ we will most likely be moving to durham in a year or so, and we may need a bit more space (which costs $)
■ hopefully, by that time, we will be undertaking the most expensive endeavor of our lives.
so rather than wait until it's too late, i think that now might be a good time to take stock and think about our spending. josh agrees, and he suggested that this be a month to just pay attention to our habits so that in the end we could work on drafting a budget that fits our current (and hopefully future) lifestyle.
therefore: this week's HP goal will be creating a system to track our spending for a little while, and just being more cognizant of day-to-day purchases.
do you have a budget, or do you freestyle it like we do? any suggestions for tracking or money-saving habits that you have found invaluable? i would not consider myself financially savvy in any way, shape, or form, so i'm definitely open to any advice!
so: am i wrong for posting a few of my favorite sale items just listed at anthro last night?
(if so: i don't want to be right. and remember -- just because i post it doesn't mean i buy it!)
now, i have absolutely no need for more dresses at this point. but that doesn't mean that you all aren't in the market for a late-season wedding or party frock!
actually, i was just talking to my shopaholic sister about objectively going through each other's closets and mercilessly weeding things out/identifying gaps before fall. i never venture to the grocery store without a list, and yet this logic never applies when i hit the mall! hmmm.