The weekly reflection part of this diary sounds a lot like you’re justifying what you know to be bad habits. I know how it is to spend $30 here and $80 there and not know how I can’t end up saving. I ended up changing things after watching my mom (who never found the time to save for retirement) become basically destitute in retirement and then get sick and have no safety net. It’s not fun. I don’t know what it’s going to take for you to do the same but I promise you’ll have a lot of regrets if you don’t. Yeah, that’s where I see this headed. OP needs to prioritize the retirement savings now. Where is her husband working so many hours and making that much but with no retirement benefits? He needs to find a job with benefits. OP, you are a great mom, doing your working mom thing and keeping your family afloat. But for the Nice Im Cucumber Joe Shirt sake of your son who will one day be taking care of you, get those retirement finances in order and your spending under control!
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My husband works at a smaller creative ad agency that’s relatively new. They’ve expanded a lot in the past year so we’re hoping they add more benefits soon. He was recently promoted to a more manageable level position so he’s going to bring up retirement benefits in the next HR meeting. I know I need to do a better job with my spending, seeing how much was spent the past week (especially on food) was quite a wake-up call. Thank you for this! I did all of this math to see they Nice Im Cucumber Joe Shirt basically have less than $1,800 after fixed costs each month (counting only $500 a month for credit card debt payments) but didn’t know how to word my comment.
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Oh good! My husband does a Roth IRA himself but I would never have the restraint if it didn’t come right of my paycheck before I even see it. I was definitely the same way a couple of years ago. So much on food and clothes all the time. I’ve noticed my anxiety around money has eased so much and that brings me so much more happiness than those purchases ever did. But I also don’t have a toddler yet and can’t imagine the stress that brings and how many more convenience purchases I would make in your position. I also have a Nice Im Cucumber Joe Shirt mother who has not been a good saver who likes to treat herself a little too often, making it hard to ever have a safety net.
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