I've found that in New York, one of the most expensive cities in the country, I have what seems like a magical ability. Somehow, regardless of how irresponsibly I might spend my money...
I just. can't. go. broke.
Obviously that's not the goal, but the phenomenon is fascinating. No matter how much I spend - nay,
waste - my money, I end up having more money at the end of the month than I did at the beginning.
Much more money. Hundreds of dollars more. 6 months ago I was working on whittling my credit card bill down. In that time, I've spent weeks in show mode (eating out alot because I don't have time for grocery shopping), bought some new clothes, taken a trip to LA, and bought a ticket to visit the fam over Thanksgiving. And yet, somehow....that credit card bill is GONE, and the (admittedly relatively small) amount of the previous date is now the exact amount sitting in my savings account.
How does that even
happen!?
I'll tell you how.
Today I went shopping with friends to help one of them find a winter coat. We went to Macy's. My friend ended up finding a great coat that just happened to be one of the cheaper ones on the floor, to be 40% off, and then to have an additional 15% taken off at the register. The total ended up being just under $100.
I can count the number of clothing items I've purchased for that amount on one hand, with fingers to spare. And I'm really okay with that. I like to shop at Target, Old Navy, outlets, etc. I really like my 3-year-old computer, my little apartment, my non-plasma tv, my ikea furniture, and Subway sandwiches. What I'm saying is: I have inexpensive tastes.
I don't begrudge anyone else their nice things. I like the toys, too...my iPhone has revolutionized my life. And I love buying new clothes and accessories. Those clothes just happen to cost me $20 or less. And they may only last me a year or so, but...then I get to buy
more, new clothes! And that's alright with me.
I credit it to a few things:
1.
Where I grew up - the closest mall to my hometown that was any good was 300 miles away. There were very few actual clothing stores nearby, and those were beyond what my parents could (or maybe chose to) afford on a teacher's salary. So, I went the 30 miles to the place that supplied me with the bulk of my clothing for most of my first 19 years: Wal-Mart. And I still looked pretty good (taking the tastes of children and the trends at the time into account, that is). To this day, I have an uncanny ability to find the one or two really awesome pieces of clothing at Wal-Mart (and Target, and....)
2.
My parents' awesome job at parenting - I got a "job" when I was a 2nd grader (delivering newspapers. 12 of them every morning. Ohhh, Montana...). My bargain-hunting mom and my math-teacher dad drilled into me things like creating a budget, prioritizing purchases, paying bills on time, and living with what you've got if you waste your money too fast. And I learned them. They also didn't waste their own time, energy, or attention on brand names or labels. They didn't stand for it when I hit Junior High and whined because everyone else had Tommy Hilfiger jeans (ha), and why couldn't I! Toys of any kind (usually electronic) were only purchased when they'd been budgeted and saved for. The lessons, both direct and indirect, absolutely stuck.
3.
Life as an intern - During my year as an intern, I made exactly $100 (tax-free, at least) per week. That's a "salary" of $5,200 for the year. There were lots of things I couldn't do, and some things I was forced to do whether I wanted to or not (like going to free clinics when I got sick and cutting back on alcohol consumption...). You know what, though? With a bit of help from my parents - in loan form of course, 1% interest - I still looked good, and had pretty much anything I could have wanted (except health insurance, but that's another matter for another blog). I adapted without too much difficulty, and had one of the best years of my life thus far.
So here I am, in a city full of money drains that can ultimately cause its residents to end up in major debt or worse: The Midwest. It's a city that can eat people alive, and I'm not just surviving but
thriving! I'm saving money, I'm traveling more than I have in a very long time, and it's all because I'm perfectly content to live without all the bells and whistles that seem so important to other people. I don't live outside of my means, because the means to which I've grown accustomed are so much more limited.
I may not have all the name brands, or all the fancy toys, but I have a pretty awesome life anyway.
That's good enough for me.