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was stressed...now I am not.

June 15th, 2010 at 07:06 am

YES!!! Doing the very happy dance.

This is a weird thing to read I am sure because I have not let on that I was UNcomfortable, but I was and I didn’t know it. I felt a little stress whenever I thought of our finances, I would go through phases of obsessively running numbers to gauge future savings goals, but I felt like that was a part of being a grown up- always a certain amount of burden that you live with.

I have been slightly uncomfortable…well since the Impulsive Purchase. I don’t know how to explain it really but when BB was a baseball player and earning less than $10k a year our day to day expenses were stretched. Then when he got a job as a coach 7 months ago our yearly income more than doubled.

So what did we do? We bought a fixer upper property (The Impulsive Purchase). We used up all liquid savings we had outside of our emergency fund, retirement or property equity on the closing and 3.5% downpayment. We raided savings accounts that were meant for other goals such as future cars, primary home renovations ect. And after the closing a few minor expenses came up that kept us a little more behind than we had planned. AND THEN! Everyone I know decided to get married this year. In an exotic location. 5 trips in one year.

Looking back now we had taken on more commitments than we could handle if everything came tumbling down. We had been looking at the monthly numbers of what we could afford with BB's new paycheck- not if we could afford it right that day. I subconsciously knew it and didn’t really know how to recognize it. So I just felt uncomfortable. Low level stress all the time.

But today we have made it through to the other side. One trip completed, two trips canceled, one trip already paid for, and one trip not yet on the books. So those obstacles no longer weigh on me.

And today, BB got his paycheck for the month. It has put us ahead of where I thought we would be in mid June. Today we broke the $4k mark on the emergency fund (we almost didn’t- but I added an extra $85 in today just to see the account reach that number ). BB has $700 saved for his future car (we expect him to need a new car sometime late next year). All our other mini savings funds are at a point where they will be enough if we need to access them today. And my bill paying account is now in the black where I can handle several of next months bills if my paycheck this month never comes in (for some freaky reason). The account is no longer paycheck to paycheck.

I feel good. It's only 10am and I feel like I have accomplished a lot. Bring on that air conditioning repairman. Today I am ready for him!

7 Responses to “was stressed...now I am not. ”

  1. creditcardfree Says:

    Yipee! I'm glad things are working out. I was a little worried for you, too. Smile Keep up the good work.

  2. Homebody Says:

    Hurray! I just got off the phone with DH discussing where were were at and how it looked like we would be able to reach our savings goal for the year too!

  3. scottish girl Says:

    Glad things have worked out Smile

  4. rob62521 Says:

    So glad you have some joy! It's nice not feeling stressed all the time, isn't it?

  5. boomeyers Says:

    Congrats girl! What a great feeling. You give me hope for the future!

  6. whitestripe Says:

    yay! Smile I kind of feel like that at the moment. while we're technically not living paycheck to paycheck, it feels like it because I hang out to see our pay go IN to our account, just so I can see the balance go up. It calms me a little in light of all the expenses we've had over the past few months - and I too get stressed out about all the things that need to be saved for. it sucks! but anyway, glad you reached the light at the end of the tunnel!

  7. frugaltexan75 Says:

    What a great place to be! Smile

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