We’ve crested a lot of milestones in 2020. Not only do we have enough money set aside in savings to pay off our mortgage when we’re ready, we can also afford for my husband to take a short-term leave of absence from a work situation that no longer works for our family.
Oh. And the markets worked their magic long enough that my Roth IRA crossed six figures and I became a future old lady millionaire.
It’s been a big year.
You would think that this spate of money milestones would come on the tail of some great financial acumen.
You would think.
I’m sure the financial acumen is in there somewhere. But I’m also having this battle with myself. You see, I keep trying to buy things that I know I don’t even need or want. It turns out that no matter the bank balance, you can take the girl out of Target but you can’t take Target away from the girl. At least not this girl. Not when their app and website are finally running like they should!
Here’s what I’ve been working on telling myself no to lately:
When I started sorting through the clothes that would take HP from fall to winter and even into spring, I realized that we were experiencing a pants shortfall. Running around in just his skivvies but make it fashion is kind of his MO in warmer months. But considering we were sledding last October, he definitely needed some pants.
So I bought some.
And some more.
And some more.
Before you know it, we had so many “I can’t believe this price!” pants, that I realized I was now tempted to go buy more shirts to go with them. That’s right. Instead of spending money to solve a problem, I created another one.
When the last Target box arrived in the mail, I put the whole box in my car and returned them. They were a great price, and I know he would have loved them. I know because we already own two pairs in different colors…which is all the more reason to take them back. I’ve also successfully talked myself out of at least a half dozen Poshmark purchases, which has been a gold mine for frugal and eco-friendly finds.
Allow me to translate: I’m talking about the rubber-soled shoes that you wear when you exercise or chase your small human around the neighborhood. Tennis shoes. Sneakers. But if you’re running around my neighborhood? Gym shoes.
Recently, I swung by DSW to donate some shoes. While I was there, I fell madly in love with a pair of gym shoes. Really sleek black mesh uppers with a rose gold accent at the heel. They are truly lovely shoes.
They also cost $80 on sale and don’t do anything different than the perfectly fine pair of gym shoes I already own. Though I had already mentally made my way out of the store with them in my daydreams, I killed my own buzz and went home empty handed.
RELATED POST: Shoe Recycling at DSW to Declutter and Earn Cash…Kind Of
A cash register toy set
My son loves money. He’s obsessed with piggy banks. He has one for real money (“Dirty pennies! Not orange!”), and he has one with rainbow coins to practice counting.
He also adores cash registers. So it made sense when I started browsing through a catalog of rewards that I can redeem via my insurance wellness program, that I settled on a Melissa & Doug play set that came with a cash register.
“He will love this!” I thought, as I excitedly added it to my shopping cart.
Of course he will love it. Just like he loves the not one, not two, not three, but four (!!!) other cash registers that we have in our house. Thankfully, I deleted the item from my cart and decided to make a wish list instead. Just because I’m paying with points doesn’t mean there’s no cost to all the clutter.
RELATED POST: 5 Reasons Why I’m Not Sold on Free Shipping Anymore
Final Thoughts on Mastering How to Say No To Yourself
Learning to say no isn’t the same as deprivation. It isn’t being frugal to fault. Instead, it’s me learning to balance money wins both small and large. Even if I can afford to buy these things, they don’t fit our needs–or even our wants. Plus, I’m all for saying no to extra clutter.
I certainly haven’t mastered the skill yet, but I’m working on it.
So Tell Me…Are you good at telling yourself no?