I have written a post with this exact title before. And I actually wasn’t planning on writing this post until tomorrow. But the post I wanted to write today needs a little more time to stew and be put together (read: I haven’t started it yet and it will be much harder to throw together on a whim, like I am doing with this one).
So, as most of you know, money has been a huge bone of contention with me (I wanted to come up with something witty to say here, but when you’re writing on a whim, it doesn’t always come very easily). I have had issues with having enough money to do things that I need to do. And I have definitely had issues with having enough money to do things that I want to do.
Part of the reason that money has always been an issue is that I have not had a full time job. Ever, really. And you might be thinking that this is weird for a 25 year old woman. And, ordinarily, I would agree.
But I don’t.
See, when I was a high schooler, I wouldn’t have had a full time job anyway, and so I babysat. And I was a great babysitter. It gave me the spending money I needed, although not always as much as I wanted, and nurtured my love for children.
In college, I got a work study job and then moved on to being an RA. Well, let me tell you something. Being an RA is a lot of hard work. A lot. And even though I technically only got paid for 20 hours of work a week, I definitely worked at least that much, if not more. Add in the fact that I was an integral member of my student government delegation and my classes (with fieldwork in the schools) and I was stretched to the max without even having a “real” job.
Fast forward to when I leave college. I want to be a teacher. I live in New York (not the city, the state – you know, there is a whole state). Well, teaching jobs are still hard to come by (and it’s my fourth year out of school now). So, I subbed. But if you want to be available to sub, you can’t get another job because then you won’t be available as a substitute. Catch-22 right there if I ever saw one.
So, if I were in a “post-grad school” I would be in my fourth year. I would be a senior. Which would make you think that I was a pro at this “post-grad/real life” working. Well, I am not.
Because this year is the first year that I have a “full time” job. See, I don’t really have a full time job. Well, technically, I do. I am a long term substitute. For the whole year. And that is great. Because it means, that for the first time in my life, I am not worrying about money. I have decided to continue living at home since I don’t know what is going to happen next year, but if I wanted to leave, I could.
I am trying to save money for grad school (since I still have to go back) and I will. And should be able to without a problem.
I am purchasing things that I want and need (new clothes? new shoes? a new TV? a television show I love? a book I want to read?).
I can pay for gas. I can pay my monthly bills without any problems (all of my student loans, my car payment, my car insurance, gas for my car). I will even be able to purchase Christmas presents galore this year (if I want to).
I actually have money in my bank account right now. Money that is going to continue to grow because I am going to scale back on my spending.
Because I’ve gone a little spend crazy. Because I can really. And I haven’t had that opportunity before. But I know that I need to stop and I need to be cautious and I can’t go too far, too quickly.
So, I am vowing here and now to stop spending so much. To spend wisely. Does this mean I won’t buy new things if I really like them and will use them? Of course not. It just means that I will look at my purchases more closely before buying them. And I do that already anyway.
Because when I can’t find a job next year, I want to be able to figure it out and to be smart about things. And I will be. It will all work out. I am going to be fine. Everything will be fine. And I may even have some fun this year.
What are your money plans? Have you ever found yourself in a position where you had more money than usual?