I'm done being a grown up. Who's in charge of this whole getting older thing? Because we need to have a little chat. Can I go back to kindergarten and actually enjoy the naps?
Side note: I think I say this at least once a week. Oops.
Lately, I've been doing some thinking. Ok, more like stressing. Shocker there. I'm going to be honest with y'all, so bear with me if this is a little all over the place. I'm talking about money. Yikes. I try to stay away from these because really who likes reading about #firstworldproblems and rants with no pictures. So sorry not sorry in advance. We all have things we worry about. For me, it's future--mostly involving money.
It's like as soon as I hit 23, I'm just expected to grow up. I mean I don't want to be this grown up stuck acting like a teen going out and getting drunk every Friday (we all know THOSE kind of people, ick). But still. At 23, I've started thinking about actively putting a down payment on a house (OK that's like 20 grand), saving for retirement (ugh), and more annoying grown up stuff. I've literally been driving myself crazy trying budget and try save every penny and stretch my paycheck as far as it will go. Hint:it's not very far.
Add in the mounting pressure (mostly that I'm putting on myself) to get married, and I'm surprised I haven't broken out in hives. Oh and don't forget trying to exercise and stay healthy and lose ten pounds. Now, you've got Allison the Giant Stress Ball. Hi, nice to meet you.
No wonder the number one thing couples fight about is MONEY. I totally get it. Here's the thing, I just want to be financially safe and secure. Who doesn't? Basically, I want to continue living at the standard I'm living right now and still be able to save A LOT. Impossible? Maybe. It's good to have goals, though right? I have ALWAYS been super goal oriented--even with things like "ok I'm going to clean my room before I get a snack" (lame I know)
So, let's break it down: a down payment on a future house for our future life together when we finally get married in the future. They (experts) say that a good down payment is $20,000. Holy balls that's a lot of zeros. How do people afford this? Also if that's good, I want to be better. I've never been good at being average--over achiever probs.
My dad's advice: MAJOR SACRIFICES. No eating out. No shopping. No trips. SEVERELY cut back. No Lilly. No Starbucks. No more Jacks.
My mom's advice. Eat out LESS. Less expensive clothes (buh bye Lilly). Less expensive vacations.
Baby Carol's advice: You each only need to save $10,000 so that's not so bad, right?
So the question of the day/week/month/year: How do you save all of the money and still be able to (kind of) get what you want? And end rant.