It’s hard for me to find a balance between living life to the fullest and being financially smart.
When my college basketball team is playing in a championship game at Madison Square Garden, of course I want to go. How often do I get to go to Madison Square Garden and how often do I get a chance to see a Minnesota team in New York? Probably won’t again.
When I hear Citizen Cope is playing an intimate concert downtown on a night I’m free and there is exactly 1 ticket left, of course I jump on that opportunity.
I want to go to my aunt and uncle’s to celebrate Easter with them on Sunday. I won’t be in New York forever so I love visiting as much as I can.
I know Dave Ramsey says “Live like no one else so you can live like no one else.” I get that, I really do. But I don’t want to miss out on life so I can save. No one ever said “man, I wish I would have saved more money” on their death bed, right? One of my favorite things about New York is that there are so many things to experience that won’t happen anywhere else. I’m lucky to live here and I don’t want to waste this time in my life. But I don’t want to stay in debt forever.
A lot of the time my splurges are unexpected events come up at the last minute. I can’t plan for them but I don’t want to miss out. When I got tickets to the basketball game, I probably would have passed if I knew that a week later I’d be going to a Citizen Cope concert. But I found out about the concert just a day or two before, well after I had already gone to the game. If there was no concert then it would have been a pretty boring week and I would have been glad I went to the game. I’m not even sure if this makes sense but try to stick with me.
My spending money only covers so much and I can’t continue to take money from savings whenever I want.
I have to learn to say no sometimes and be ok with it. Simple as that. My question is, how do I figure out the balance between getting the most out of life and saving money?