She trims her bangs, her bangs

Last week, I was all set to sacrifice a proper salon experience for the sake of my family's budget. It would be an adventure! I told myself optimistically in an effort to calm my fears. And good blog fodder to boot! I OWE IT TO THE INTERNET AND ALSO THE COMEDIC GENRE TO GO TO GREAT CLIPS. This was happening.

Then I talked to Gina, my girlfriend since kindergarten who back in high school introduced me to Brenda, My Favorite Hair Stylist Ever, and who appreciates the ability to do good hair even more than I do. When I explained to her my financial dilemma and adventurous plan over a two-hour chat Saturday night, I could practically hear her shaking her head on the other end of the line. "Breain, you can't go to Great Clips. You just can't," she said, and eventually convinced me to call my regular salon and ask about a bang trim, since they were the primary frustration reason I had for scheduling an appointment anywhere. And you know what? It was SIX DOLLARS. So I booked a visit for yesterday after work, and ten minutes later I walked away eight dollars poorer but also two free samples richer AND mentally a million dollars happier. Apparently, friends don't let friends go to Great Clips. Thanks again, friend.

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Another happiness boost: today is payday, and this morning I realized with a start that it marks the third payday of not having to dip into our savings account OR having to charge anything to our Visa. Step by painful step, our plan to live within our means, pay off our credit card debt, and save for the future is working. It works partly because I am no longer fighting the word "no" -- no, you can't run to Chipotle with the girls; no, you don't need eight subs AND pizza for Kara and Nathan's party, even if you do feel like a cheapskate for serving cold cuts. I know that I wear the same handful of clothes to work every day, eat the same kind of lunch every day, and it doesn't bother me like it did before. Luke has to run in below-freezing temperatures to train for the Indy 500 Mini-Marathon because we can't afford a treadmill or even a monthly gym membership, and he is doing it without complaint. Gifts to nieces and nephews have been drastically scaled down for occasions like Christmas, birthdays, and baptisms, but we do it and just remain grateful we can afford to buy them anything at all.

However, this new reality only works because Luke and I have undergone a huge shift in mindset and a willingness to ask, "What are we really working for? What is the priority here?" while embracing the amount of money we have to work with right now, instead of looking to the future for some magical solution. For example, I mentioned in an earlier post how I thought that our situation would resolve itself after receiving our tax refund check and my annual merit increase, which is typically issued at the same time every year. Well, recent events have made it clear to me that the type of increase I was expecting to get isn't something I can take for granted (the economy is affecting everyone, it seems!). And the tax check will be good, but it won't eliminate our Visa balance, so every paycheck prior to Baby Brother's arrival will continue to be carefully orchestrated to make sure we can axe off this debt, pay my OB bill, and maintain a small nest egg to compensate for what paid maternity leave and short-term disability benefits won't cover. Now more than ever, I reflect on Suze Orman's long-ago-uttered mantra, "I have more money than I will ever need," and strive (along with Luke, of course) to make this true for my family. 

But not everything is a wash. This month is fall registration time at Kara's school, and Luke and I are committed to sending both Kara and Nathan for one day a week this year. Technically, Kara is old enough for preschool, which meets for two and a half hours twice a week, but not only was it slightly more expensive, it also required Luke to finagle three small children -- including one newborn -- out of the house multiple days a week. By keeping Kara in the same type of program she's in now, she and Nathan can be out on the same day for the same number of hours, making drop-off and pick-up logistics infinitely easier on Luke. It wasn't an easy decision, knowing that Kara is capable of (and would enjoy) participating in a more education-based curriculum, but there's always next year, and we do plenty at home, and again, we're just grateful she can continue an activity she loves and that we can offer the same opportunity to Nathan. After all, THEY are what we're working for. THEY are our priority. We would gladly give up a lifetime of gym memberships and a million fast-food tacos for them.

Comments

[Kerry]

Congrats on learning to live within your means! A life skill so many of us need to learn. (My sister works at Great Clips, lol, and she hates it because they punish her for taking her own sweet time to make her haircuts perfect.)