In December of 2016, I made a decision that made me very uncomfortable. I needed a car. Did I lease again? Do I buy used? How used? It was overwhelming, until my boyfriend put an idea in my head – I buy his 2004 Toyota Camry that had 205,000 miles on it. I cringed. It doesn’t have Bluetooth, which I had become accustomed to through my most recent lease. There wasn’t even an auxiliary port and it still has a tape deck! Then I told myself to shut up, because I was sounding entitled and spoiled. I needed something reliable to get me from point A to point B. And if I could do this for a year or so, I’d put myself in a better financial position.
There are some things in life you just need to suck up and take care of. Having an emergency fund is one of those things. But it’s not all that bad. Yes, getting started and getting to that first goal mark is the worst. The actual worst. But being able to rely on an emergency fund instead of a credit card is the best feeling.
We live in a time where staying at one company and becoming a “lifer” is unheard of. Heck, we’re in an era where it isn’t unheard of to completely change careers. Whether it be due to a promotion, relocating, your position being eliminated, or some other reason; the average person will hold 12 to 15 jobs in their lifetime.
In honor of my floofy fluff’s first birthday, I feel like it’s appropriate to face the facts of how much I’ve spent on him over the last year. Thankfully, my other half so kindly has helped cover ½ of everything. I’m hoping that helps lessen the sting of this reality check.
I’m doing this to hold myself accountable. I originally called it a 5-year plan, but plans don’t always go the way you want them. A goal is something you’re striving for. You come up with a plan to get you there, which might change along the way, but your end goal is always the same.