I have been pretty occupied with my budget and weight-loss journeys lately. They both aim to benefit me and require daily effort and recording/assessing of progress.
Along the way, I forgot to be grateful for life, to notice little thing that make me happy, to note the people, things, and events that gave me joy.. It does feel superficial and empty without being grateful, joyful, and happy; there are so many things out there more important and more valuable than these two plans…. I am happy to note this today.
Do not get me wrong; I am also grateful for coming up with these plans – I needed both. My finances would be much worse, very constraining, and depressing in future (now that I own an old house); and my weight is only going up and this is scaring me.
Those who are familiar with my posts will know what a struggle it is to implement and make these plans more or less established changes in my daily life. I rant, I get excited, I complain…I get excited again 🙂
It is draining sometimes – going through this phase. Especially at the beginning. Later things become alright one way or the other (either done, replaced, or modified to suit the reality).
Today I am not going to rant; I will rather give my thanks for the reasons that made me need these changes; the budgeting plan particularly.
I am grateful for the house I own; it is old, but newly renovated. I love being in this house and in the little yard it has – with all the trees and flowers that bloom in the spring. It is on a great location, helping me continue with my life and work with no problem (e.g. my work place is in walking distance, the bus stop is close, there are restaurants, a big grocery store, and multiple convenience stores in my neighborhood etc.). Last year I had a major roof problem, which took me 9 months to get someone to fix – it was a nerve-breaking experience. And it was expensive – after paying it my chequing account drop to $0. It has been an ongoing battle to have a positive balance since then.
And since last March, I got crazy over a crack on one of my interior walls, which I was told is possibly a foundation problem. I am still waiting for it to get visibly worse (if it gets…) so that we can start repairing it. The quotes given to me are not for the fainted heart.. And I know that there may be other unexpected repairs or expenses associated with the home-ownership (for one example, my property tax just got increased, argh..). That is why I came up with my budget 3 months ago: All the expenses incurred for my house and those that are possible in the future.. I could not see any other way out of this psychological drama.
Yes, it was a struggle, I was not consistent in the beginning at all, but now I am very much comfortable with my budgeted life. I cannot talk for sure about the future, but I am sincerely hoping I will continue like this.
You may ask “why is she grateful?”.
I am grateful because I do see this budgeted life as a continuous life-style that saves me around $10K/year. That is a huge amount of money that sure will help cover the expenses related to house repairs and maintenance over many years. And more importantly, I started not too late so that I can see the savings (however little they may be) accumulating before I face serious repairs. This way, I bought time and am feeling at more ease (this saved funds may not be enough for the repairs, but still are they not better than not having any savings? I could as well just continue like before and throw them away with my spending ..)
While I cannot say I am totally at ease with the possibly huge expenses associated with home-ownership, I can say that budgeting allows me to take the home ownership a little bit easier.
I just needed to reminded this to myself today.
Thanks for listening.