Even though I haven’t had any major expenditures this month (so far, anyway) I still feel the need to watch my spending. I regularly save a good chunk of my paycheck biweekly, and I contribute nearly a quarter of my gross paycheck to retirement funds.
Why a quarter?
Well, I’m not married, and I don’t have kids yet. I’m thinking I can save an obscene amount early on, so I can reduce that percentage when I do get to that point in my life.
I’ve been raised to live well within my means. I am debt-free, and I don’t like to pay full price for most things if I can help it.
But I still get stressed out.
A) I’ve recently received a couple vet and medical bills for around $200 each. I just paid the vet bill in full. (Ugh)
I’m still waiting on my insurance to send me my EOB for that huge medical bill so I’m in suspense. I really don’t want to shell out the $200.
B) And on top of the that, I’m stressing over the loan amount I can potentially get towards my first place. The Bay Area is an incredibly expensive place to live. I’m not sure if I’ll be able to find a place that’ll meet my personal criteria and my budget.
Right now I’m fine financially, and everything should work out in the end.
… so why am I stressing so much?