There are a lot of things that we do right financially. We save half of our income and max out our Roth IRAs. We both pick up extra work and bank the additional income. We brown bag our lunches and cook dinner at home almost every night of the month. But there are also a lot of ways that we go against the personal finance grain. And you know what? Rather than turning in my PF card, I feel A-okay about them.
I don’t track our net worth. I know. I should have given you time to brace yourself before I just unloaded like that. But now you know that there’s a reason why you don’t see those numbers on the blog. They don’t exist. Sure, I know what’s in our bloated savings account, our paltry taxable, and in-between Roth IRAs. But Zillow and Redfin cannot get their acts together when it comes to a housing estimate. They differ by $25,000 give or take. Never mind the fact that we’re not moving anytime soon. I also have no clue what our pensions will amount to or if they will ever be paid out. The information simply isn’t available. Regardless, I could ballpark our net worth fairly easily, but I don’t track it to the penny and don’t intend to start anytime soon.
I don’t bike. Ever. It’s true. Not only do I really take issue with the claim that biking is a magic bullet for everyone, I don’t even own a bike. Technically, I suppose the rusted heap that is hanging out in my parents’ shed is still mine. But I haven’t ridden a bicycle since I popped a wheelie under the guidance of a childhood neighbor and promptly broke my jaw. If you think I’m only awkward and bumbling on the internet, you’ve got another think coming. Assuming that I’ve fine tuned some of my motor skills since elementary school–you know what they say about assume–I’m still not down with biking. Nevermind my commute layout, all of suburbia simply isn’t cyclist friendly. In fact, I would estimate the bike to bike accident ratio in my town to be an utterly unscientific 2:1. Right now, my commute takes approximately 15 minutes, and I use a tank of gas every 3-4 weeks. Not only am I an uncoordinated fool, but I happen to believe that my time is worth something. So I’m keeping my car. And does it really matter, anyway, now that MMM sells* t-shirts? Cars for everyone, I say!
*Yes. I know the t-shirts are at cost. But if he can justify a t-shirt, I can justify my car.
I outsource my cleaning. And other things. It’s true. Mr. P is really handy and has done the bulk of the renovations and remodeling both inside and outside our house. But I’m also just about the most obsessive person you’ve never met. So sometimes, it’s just not worth it to DIY. The personal finance blogosphere abounds with lovely backsplashes and retiled bathrooms. We have those, too. The only difference is we paid for someone to do them. Could we have saved a few grand in the grand scheme of home renovation projects? Probably. Assuming that I didn’t make Mr. P take the tile down and start over when the cuts didn’t line up exactly. Until I learn to relax, I have no problem with outsourcing on occasion.
So Tell Me…Do you do anything that conflicts with conventional personal finance wisdom?