Thursday, May 3, 2018

My approach to money has changed a lot over the last six months.

This might be lifestyle creep. Or maybe it's something else. Basically, I feel like I have enough. I got a more than 20% raise with my recent job switch. We are maxing out all retirement options. We have money left over at the end of the month. We're bulking up our emergency fund and are even at the point of planning some of those "someday" spends, like a new couch.

The way it primarily plays out for me is Lyft. We still only have one family car, and I take the bus to work every day. A few times a month, something will come up that will make taking the bus home in the evening onerous. A committee meeting that ends so late my bus ride would take two hours, or something like that. So I'll get a Lyft; it's usually about $15. And every time, I marvel at how easy it is for me to make that choice.

Spending money on convenience for myself has always been very difficult. I can count on one hand the number of times I took a taxi in New York, and I lived there for eight years. I can count on one finger the number of times I took a taxi by myself for convenience. In eight years. I just didn't feel I could afford it, I didn't feel like the convenience outweighed the cost. So I dealt with some unsafe situations, being alone on the train late at night coming back from performing, because I couldn't bring myself to spend the money.

And now, it's easy. I don't feel stressed by the cost.

I wouldn't say I think about money less than I used to, but I think about it in a different way. It feels much more like a tool than a straightjacket.

1 comment:

  1. A tool, not a straitjacket.

    I love that! Yes to having enough money that it means freedom rather than a constraint due to limited funds.

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