Week 121: The Value of Planning Ahead

Right now, Mr. 182 and I are chafing under our debt pay-off plan.  It would be nice to be able to go out and do whatever we want, spend whatever we want, and not think about it.  That’s what we have done for years, and here we are, proverbial nose to the proverbial grindstone, and not really happy.  We have two more years to go, unless we up the program.

What is it about spending money that feels soooooo good?  Freedom?  Love?  What is that little hook that gets so addictive?  Not spending money also feels good – but it’s a different type of feeling.  It’s addicting in its own way – more intellectual – certainly a lot less emotional.  Perhaps that is the hook of spending – it is an emotional rather than intellectual feeling.

I don’t think there is anything wrong about our feelings of frustration right now.  It is probably part of the program with spending addicts.  It’s uncomfortable because it is new.  Being on a leash is not fun.  What is important is to recognize the feeling, acknowledge it, and then have the self-control to not give in, even when the little voice inside starts hollering, “I want!  I want! I want!”

Planning Ahead for Vacation!

Now, this is fun to come.  We have a budget, and we have a goal.  We are traveling for two weeks with Mr. 182’s parents, to visit the wild west and family history.  We have booked all our lodgings, come cheap, some not, and organized our route.  This is all for August!  The nice part is, we know what and where we will be, and we can figure out what we are going to do.  Even better, we know the costs.  And we can plan for those costs.

It’s good to plan and take vacations.  So is paying off bills.  Every month, the amount owed goes down, and the money in the bank, in equity, in investments, go up.

The long term debt payoff is important, but so is the short term.  What I mean by short term is the day-to-day stuff.  One thing that helps us out is to make sure we have play money.  We need to be able to indulge our hobbies, which, fortunately, don’t cost a lot.  They are in the monthly budget.  We also get a small monthly allowance which we don’t have to explain to the other how we spend.  These tactics take the edge off our chafing when we feel it.

There is true value in planning ahead, but planning ahead is not just for debt pay off.  It includes planning ahead for contentment with one’s daily life, one’s little pleasures, and the daily things which keep one connected to one’s true inner being, to one’s soul.

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