Published on July 12th, 2014 | by Pete1
Money Superstar Fatigue
Sometimes I get fed up with thinking about money. I get annoyed that it seems to dominate my life, and that other people around me don’t seem to have to go without. This makes me want to spend money I haven’t got, to make myself feel better. Or, it makes me want to throw a big chunk of money at one of my debts, which whilst it sounds good, actually is not. If I were to do this, I would end up short for the rest of the month before my next payday – so I don’t.
I track every penny of my money on Microsoft Money (the 2005 version, as you’re asking). I sometimes just open this up, and find myself looking through my various accounts, working out how much I have paid off, and how much longer it will take me to get rid of all the debt. I feel a strange mixture of pleasure and frustration when I do this – perhaps I have a masochistic streak in me. I can lose a lot of time drifting off in my mind while I’m doing this. I’ve been doing it for years, and I’ve never really understood why I do it – it’s not very productive!
I sometimes worry about what I will do when I have paid the debt off. What will I think and worry about? Will I still be as disciplined with my money as I have been over the last few years? Will I feel like there is something ‘missing’ from my life? I don’t have any answers to these questions – I’m not at the point where I need to start managing these situations.
At these times I try to focus on the future, and on being able to have and do the things I want for me and my family. I want to go on holidays and experience the world a bit more with them, I want a bigger home for us. I also want to pass on good money habits to my daughter. These are the things that keep me focused.
Paying off debts and making good money decisions can feel exhausting sometimes. But that’s okay, working for things that are worthwhile rarely feels easy. I’ll get there in the end, and so will all you other MoneySuperstars.
Keep your chin up, and keep smiling…