Tuesday, January 27, 2015

Spend vs Save vs Stuff

The Internet is a lovely place.Through some link-following, I ended up on a Forbes article about two roommates doing something called a "Buy Nothing Year", which led me to the Buy Nothing Year website, which sort of detailed half of their progress through their experiment of buying nothing for a year. There wasn't a whole lot on the website, and the Forbes article didn't give too many details, either.


Spend vs Save vs Stuff | Anxiously Being Havok

But, from so little information, it brought a lot of things to mind.
We really do have an odd relationship with money and stuff

I love my stuff. That's

why I have so much of it. I hold onto things rather easily, and I like getting new things.

A new pack of stickers makes for an awesome day, and it can always rationalize it because they're 1$. But then that makes it easier to say "yes, you're coming home" to the 2$ Hello Kitty garden flag that is adorable, even though you don't have a garden. Then you remember there was an adorable stamp you saw on Instagram that should be around the craft store somewhere, so you search about for that, and can't find it, but you do find two more packs of stickers, on clearance, for less than 1$ total. Oh, and you were asked to get a candle while you were out, because the old one was dead.
But all you intended to get from the craft store was elastic.

That happened to me. On the 13th of January, actually.
The order in which those things happened is a bit off, but the idea is there - it was cheap, so I was able to say yes. In the end, I spent twice as much as I had intended to spend when I left the house.

It's easy to want things. It's easy to say that something is a need, when it's really not.
It's easy to say you should spend less money to have more of it.

This is something I struggle with. Because I can almost always justify a purchase. That's how I have two Project Life core kits. And a Filofax, a Kikki-K, a Happiedori, and a Franklin Covey I found at Goodwill. I didn't need any of them, but between the Mister and I, we both came to the conclusion that I could have them. And that's all just in the past three months, mind you. Let's not discuss all my other collections about the house (and there's a lot of them).
And yet, how much of that is necessary items? How much gets used on a regular basis? Let's not discuss that, either!

I have enough. I really do.
While there are a lot of things I would like to have, there isn't anything that I need, beyond normal groceries.
So why do things besides that keep coming home with me? When I know that I have enough?

Because it's easy to rationalize purchases. It's cheaper than something else, or it's on sale, or you just really, really want it.

And on top of having enough for a reason to buy less, we want a house. Really badly.
We hate our apartment, and we had fully intended to move out almost three years ago, to rent a house, but then changed our minds to see about buying one. Of course, we didn't have the funds. We weren't even close for a long time. And now, we only have one income. So that goal is even farther away.

But in the mean time, what are we doing to help that goal? Buying stuff that we want! Which, in reality, negates progress towards that house.

I would rather have a house than a truckload of stickers.
It's just harder to see it that way, when one thing is a lot farther off than the other.

But, really, the best way to work towards that house right now?
Remembering that I have enough. Saying no to those stickers - even if they're adorable and they're only 1$. I will survive without them. I have enough.

~Havok

8 comments:

  1. Yes! This, totally this.
    We have too much - duplicates just in case, things we don't use and to be honest, didn't remember we have...... And the little purchases that don't matter because they are so little that add up over time. If you check out a blog called the simple year it followed a year in the life of a family that didn't buy anything new for a year, then a year in the life of a family that was de-cluttering and simplifying their possessions and their lives. Worth checking out their archives, very inspiring. http://thesimpleyear.com/year-one/

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  2. The little purchases that "don't matter" is exactly what my problem is, ha! Thank you for putting it into words better than I could!
    I will give that blog a look, as this is something I am fairly interested in, so far as living with less stuff and instead creating more stuff for my home.
    Thank you so much for pointing me in the right direction!!

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  3. I totally agree with this, I love shopping and finding weird little things for my house, or buying stationery - I am currently trying to destash my craft supplies and actually USE some! And I am buying less online, only things I need or things for both my husband and myself! It's hard though, but I don't need things!

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  4. I completely agree we have too much. I need to be more conscious of my spending habits and have started to keep track of expenses. I'm not working and earning an income like before, so I do need to be careful. I've also embarked on the 52 Week savings challenge but multiplied by 3 because our currency is rather low. So instead of saving $1, I save $3.

    If you're saving up for a house, it's best to have a strict budget and savings plan. It also helps if you have a separate savings account, one that you won't touch unless in an emergency. Once you start building your savings, you will find yourself getting closer to your finance goal. But it has to be consistent (at least monthly) and need to be disciplined.

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  5. These are my downfalls as well - little things for the house, or stationary. Well, lately that's been the issue anyway!
    I am thankful, though, that I never got too deep into online shopping. I live in an apartment, and so if I want something delivered to me, I either have to be here to get it or have to go to the apartment office to pick it up or hope for the best (none of which are good options)! So the shipping has always been a decent deterant, thankfully.
    It is hard, it really is, though - it's easy (for me, at least) to say that I "need" this thing, and then say "no, I don't", only to spend five minutes telling myself why I feel I need it, ha!
    Thanks for stopping by :)

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  6. I'm sad it's taken me so long to get to the point where I'm telling myself "for serious, don't buy anymore", because I've basically been out of work for all of 2014, and now 2015...but I *had* money. And now it's gone, because I bought stuff! I have gotten my expenses down to basically only groceries and gas, and am trying to keep those in check, but at this point, we are living off of what the Mister makes alone. It's going to be tight some months, so a few wibbles or wobbles from the spend-less could be disastrous.

    There is a savings account, it's just a matter of, well, I'm not in charge of the money! Though I do know that if I am spending less and can trick the Mister into spending less, the savings account will grow.
    Or he will put it all towards the motorcycle and bike loans, which would work as well - getting those paid off faster would be a good option as well.

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  7. I love your attitude here! Just think if you took the money you were going to drop on the stickers and stamps and actually started putting it in a jar. It would make a nice contribution to your house fund.

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  8. Thanks!
    If I were to put it all in a jar or a fund somewhere (which, I have tried before), I would end up spending it! So it has to stay away, in the bank, for me to not think about (which is just as hard!). I'm at a point now, where the only money I have access to is spoken for, basically, though, and any left overs just get carried over to the next month, so we will see how that goes!
    Thanks for stopping by! :)

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