Sunday, June 28, 2009

I guess it's time to grow up

I think I've mentioned to some of you in passing that we're thinking of buying a house one of these days, after which we'll get a dog. We finally took the first step in getting a house: we have an appointment on Tuesday with Ian's financial advisor.

In preparation for the appointment, we've each sat down and figured out what money has come in... and what goes out. I put this exercise off for as long as possible because I *knew* I spent too much money... and it's true, I do. Over the last 15 months, I'm rather ashamed to say that I've spent 13% of my income on beads, patterns, and fabrics, most from eBay. I knew I spent a lot on these hobbies... but I didn't know I spent quite that much. Eeep. Even worse, I spent almost as much in untracked cash. Gulp. That money would have been better put into savings or something instead of being spent.

If I were to be making a budget - which I guess I will be... buying a house is no small task and requires financial responsibility - I'd say that I need to set a reasonable amount to spend and stick with that. Right now, each win is a separate transaction and it's really easy to just buy and buy and buy. That's going to have to change.

Sigh... this growing up thing is hard. I liked to think of myself as a free-wheeling, happy-go-lucky gypsy girl who could move at the drop of a hat... who could go anywhere, anytime. I know that I haven't been that person for quite a while, but I still sort of think of myself that way (or wish I was like that, maybe). Having a house is scary, not just because of the financial commitment, but because it'll keep me firmly rooted to one place. I guess I'll have to let my inner free-spirit out through travel and hopefully that'll be enough.

As scary and life-changing as the prospect of home ownership is, it's also exciting. I'm looking forward to it (although not the crazy looking for houses part - things sell fast here). And the idea of getting a dog - a pet - is one that I like. I'd like the company during the day, you know? Especially because I won't be able to shop online all day long like I do now.

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