I’ve been planning a trip to Europe for nearly two years now, ever since I last visited my friend Steve at his home in Simi Valley, California. While I was taking the train back up, I read a book on World War Two, and thought about history a bit. I also began to think about my life (dangerous pastime, that!) and about all of the things I had and hadn’t done. A trip to Europe seems like a very natural thing for me to do, especially while I’m still relatively young, single, and child-free.
So, I began to save my money; I put aside $300 per month into my savings account, and even took on an additional part time job to supplement my savings. I bought guidebooks and maps and talked to people who had been to Europe, and began to plan these things out.
Unfortunately, it didn’t happen. A couple of poor financial choices all but eliminated my savings, and when I got to the point when I was supposed to buy my tickets, I realized that I had been dipping into my savings each month to buy non-essentials, and was left without enough money. So, I pretty much gave up on the idea.
In recent months, I’ve been putting money aside again, into my 403(b) account that I have with the University. This is a better plan than a simple savings account, for several reasons: the interest rates are higher (if you invest well); because it’s pre-tax, putting aside $300 per month actually works out to something like $250 out of your paycheck instead of the whole $300; and, most importantly, it’s hard to get at this money. You need to go through a lot of red tape to get at that money, preventing impulse purchases of, say, a zip drive or a new stereo or VCR. Ostensibly, the plan is to put aside this amount of money and then take it out when I have enough to pay of the loan I took out for this computer. Then, once that was done, I’d start putting money aside again, funnelling money that was going to the computer loan into paying off others of my few debts, and so on.
The hell with all that, though.
I’ve decided that instead of paying off the computer right away, I’m going to take out that money next year and fund my trip to Europe. I’ll be 33 years old when I get there, but what the hell? I’ll have enough money saved up and enough vacation time squirreled away that I’ll be able to afford a 3-month backpacking trip in Europe without too much financial pain. And if my proposal goes through at work, I’ll be able to put aside more money per month, and stay even longer.
Of course, paying off your debts is important. I’ll be making regular monthly payments onto my various loans and debts even while I’m saving my money; I just won’t have them paid off as soon.
It’s back to this priorities thing; will I put a higher priority on a life-nriching experience where I will be able to travel, see a good chunk of this rock that I share with 6 billion others of my species, and the opportunity to meet incredible people and have amazing experiences? Or will I be a Good Citizen and deny myself an opportunity for growth to pay off a debt?
Well. I believe that I certainly have my priorities straight.
Wipe That Grin Off Your Face!
I’ve been in a great mood of late. Well, I’m normally a pretty happy person (or, at least, I try to be), but lately, even in the face of a couple of minor setbacks, I’ve been able to maintain my positive mood.
There’s no particular reason for my uplifted mood… and why should I need one, anyway? God — or whatever deity (or lack thereof) that you choose — has been good to me. I’m blessed to be surrounded by people who love me and whom I love (even if I’ve had to end communication with some of them for the sake of our mutual sanity); I have a good job that I enjoy; and more.
Part of this is certainly that I’m beginning to work on reaching some of my long-term goals. I’ve managed to stick with the exercise/diet program that I started a couple of weeks ago, for example (and knowing that being in shape when I go to Europe will heighten the experience has certainly been an incentive for that). I’ve also made contact with the local chapter of the Society for Creative Anachronisms, something I’ve been meaning to do for years.
All in all, I’ve been pretty fortunate in my life, and I’m very grateful for that. I’ve had rough times, but who hasn’t? The world is an amazing place to be in, and I’m happy to be here.
Think I’m being irresponsible with my money, or that I’m unrealistic in my outlook on life (or do you know of a reason why I should be unhappy, depressed, and upset with life)? E-mail me and feel free to let me know.