The phrase “you know how one thing leads to another” is common, and is not just about your aunty sue and the deli counter guy. In fact if you look closely, most of our lives are just one giant snowball effect. And I think that truly understanding this can really help us improve our lives, or hurry up and destroy them already.
Let’s talk about the snowball effect and MONEY:
Saving and spending money. Like if you are going to get the pants you might as well get the shoes that go with it. And you don’t want to get shoes to just wear that one time so you need the other pair of pants too, etc. Or my personal favorite: I rode the train all the way to this coffee shop with hanging plants I might as well get the $8 tumeric latte and that is going to give me the jitters so I need that $12 bagel too. As a frequenter of pricey-but-trendy-coffee-shops, I know that spending money can get out of hand quickly.
However so can saving money.
I have this weird thing that if I manage to save a couple of dollars in cash, I feel bad about spending them. So then I add to them on the next pay check. And that feeling grows. And I keep not spending that money because the actual act of handing those lil dollars to someone else seems atrocious.
And this is basically how I budget. Cash in envelopes etc. But boy sometimes to I guilt myself when I treat myself to things. I start to feel like if I spend saved money on a treat, ever, that I am the worst money handling millineal in the world. But as someone who has managed to move to and pay rent in NYC, and live a life she enjoys free of any type of debt, I know that’s not true. But someone how I snowball myself to that point where I have to say: “It’s a fricken tumeric latte Kaitlen, it doesn’t mean that you gambled away the family fortune, or even half of your rent money. Drink the damn latte and enjoy it.”