Sunday, April 22, 2012

There's Been a Murder!

Savings Murdered!
Everyone, it is with a heavy heart that I have share this tragic news here on my blog. There has been a murder, yes, it's true, my savings account has been murdered. It happened Friday night around 8:00 pm and it was a slow and agonizing process, that caught me completely off guard. I sat down at my computer just like any other day and began planning an upcoming trip to Montreal for my 4 year anniversary. I searched for hours for the best deals on car rentals, hotels, and things to do in "the most European city in North America" and the next thing I knew, like water oozing out of a freshly cut watermelon, my savings were depleted and my bank account laid lifeless and cold out there in cyberspace.  I went into my trip planning with the intention to keep things as cheap as I could, but then I remembered that my partner and I have been together for 4 freaking years and this is something to truly celebrate, so I caved and stabbed my savings right in the heart! It looks like Montreal officially brings out my alter ego - Spendy Spenderson.  

Without giving away all the details here on my blog (I'm trying to keep things a little bit of a surprise) I really did a pretty good job on keeping the costs down for the car rental and that's about it. I picked a hotel that has a location that cannot be beat, but I am getting what I'm paying for which is what I think should be the point when spoiling someone you love (which is not something I get to do as often as I used to). The good thing about the hotel though is that I have a friend who used to work for that hotel chain (Derek) who pulled a few strings for me and got me the hook-up! In addition to that, I found a show to take my partner to that will knock his socks off and that will guarantee me kisses for weeks! I cannot help but feel a little guilty devastating my savings account, but at the same time I'm kind of proud to say that I am not having to rely on credit to bail me out and pay for everything again like I would have done in the past and then told myself some lie that I would pay it back as soon as I got my next paycheck (bull$hit).  Lately I really have been starting to get a taste of what financial freedom is all about - the freedom to make choices that won't leave you broke and scrambling to pay the bills!

I don't know how often everyone looks at my saving statistics when they read my blog, but  I do try pretty hard to keep putting 10-15% of my income into savings every paycheck. The main thinking behind this is not that I am trying to save for anything in particular at the moment, but I really want to be able to have money to spend on emergency trips home or when I have a burning desire to spend on myself or others, I don't have to pull out the credit card and smack it down on the counter with a 12.9% interest charge every time. Admittedly, this recent dipping into my savings has also made me a little bit annoyed at myself for taking away from my ultimate goal of hitting $5,000 in savings by November. I am not the kind of guy who can completely neglect my goals so when I do things that are counterproductive, the frustration begins to mount (and usually from behind).

Looks like Greece will have to wait!
There are going to be other things that will hinder that in the future as well. I have planned to take 2 more trips to Saskatchewan this year and my sisters are coming to visit me in May and June. Not only that, there is a chance that I may have to come up with an extra $200 per month to cover rent this summer which is essentially how much money I am putting away into my savings account every month. Now I have also been making some wise decisions such as turning down a vacation to Greece and a trip to Halifax, but I still really would love to go and do both of those things. These types of situations motivate me even more to get on track with getting my debt paid off and having a vacation fund as well as a fund for a purchasing a home and increasing my net worth.

Now the big challenge is going to be trying to get that savings number boosted back up for October when I will be planning my next trip back to Saskatchewan! I think it's going to be possible since after May, I will have only 2 debts left to pay! I think I am proving a lot of people wrong and I can get my debt under control while still making sure to enjoy myself and live a full and happy life!

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