This past weekend I had what seemed like an unusual amount of downtime. It’s a weird feeling for me because I feel like I’ve either been half marathon training, working on blogging, or working on video freelancing.
I almost have a hard time relaxing because I feel like I should be doing something “productive.” Never mind the fact that I’ve had the book Divergent on my iPad for over a month that I could be finishing up, but no, for some reason I like to park my butt in front of the computer.
So what did I do? I crunched numbers. I dusted off Mint.com (which I don’t use as my main budgeting tool) and checked out my overall net worth, then did some calculations to see where I’m at in my financial life, and if it’s anywhere where I should be.
The news was mediocre. The good news is I have no debt, which I already knew of course, but for some reason lately people have been congratulating me on my debt repayment progress, and I’m not sure where they are getting that from. lol! I guess we bloggers sometimes blend?
Anyway, the bad news is I’m approximately 85k behind where I should be for my age and retirement goals. And by the way, there is no “early retirement” for this gal unless I can make a full time living off my blogging, which I consider to be the best paid hobby anyway.
It’s funny when you look at the big picture snapshot. Well, funny or depressing depending on how you look at it. But I realize it’s good for me to constantly check my retirement numbers because it tends to affect how I spend money now. Suddenly ordering take out doesn’t seem as appealing if it saves me a few bucks and gets me to my big goal of a healthy retirement amount. I feel like lately I’ve been the queen of nickel and diming. $20 here, $20 there…
Sometimes it’s hard to think about retirement, when for most people who are reading this it’s far away. Even for me being 43, it still seems that I could be a little sloppy with my spending now and still be OK later on. But with my roller coaster freelance income, I need to be THAT much more diligent with curbing my often voracious spending appetite right NOW!
Do any of you use the “big picture” to help curb current spending? What other tools do you use to help you with spending wisely? Who do you want to win the Super Bowl?