Evaluating the Relationship to Money
The following questions are candid ones. Think about your answers and be honest with yourself.
Do you know to the penny how much your monthly bills are but forget your sister’s birthday? Hey, maybe you are your sister aren’t close. In that case, you have no worries. Otherwise, if you find that your knowledge of your personal finances is so detailed and minute that it occupies central space in your mind over caring about the people in your life, take a step back. Put some of your financial obligations on auto-pilot and then go back to living your life.
Do you avoid going out with friends or family simply because of the cost? Sometimes that is necessary to do, especially if you are in a tight spot financially or are new to budgeting. Don’t forgo enjoying your friends’ company, however! Instead, scope out less expensive options and offer them up. A coffee or dessert bar instead of a full restaurant, for example, can be just as fun. Visit a local museum or play tennis at a local park instead of buying for amusement park tickets. There is no reason to let money be the sole reason you miss out on fun.
Have loved ones complained to you that you’re too stingy? Perhaps your family members don’t like your newfound financial responsibility. They could spend too freely, and that’s something you have to learn to juggle against your own frugal ways. Consider, though, whether it is possible that they are right and you do skimp too much. Instead of just scoffing at their concerns, take some time to think about whether they may be justified and how you can compromise.
How much time to do you spend saving money by “doing it yourself?” Some people are born do-it-yourselfers. They love to restore furniture and repair their cars themselves. It’s a hobby as much as a money-saving measure. Sometimes, though, that mentality can bleed into the need to fix, make, or do something that you should just buy. Even if you spend a few extra dollars, the savings in time and emotional energy may well be worth it.
If, as you are reading through these questions, any of the answers spark something in you that would rather not find, be gentle with yourself. Think about how you can make changes and then go do it!
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