Yesterday I was musing about August, how quickly it has passed along with summer, and realized I’ve spent a crap load of money for the month. Sure, it wasn’t on useless crap; it was on things that needed to be done. I can’t neglect my teeth unless I would like dentures and I can’t neglect the cat for obvious reasons. No need for me to get morbid.
All of this pondering had me looking back at my life, at all the crap that I’ve bought, my financial nemeses throughout life.
Before I get too far, some of you may be wondering, what the hey is a nemesis? Well, two things, it’s a Greek goddess and an act of retribution.
[quote style=”boxed”] Definition of NEMESIS
Capitalized : the Greek goddess of retributive justice Nemesis is the Goddess of divine revenge. She sought retribution against human pride, arrogance, and evil deeds.
plural nem·e·ses one that inflicts retribution or vengeance, a formidable and usually victorious rival or opponent
plural nem·e·ses an act or effect of retribution [/quote]
What are the nasty obsessions in my life that helped me rack up debt?
This nemesis started as soon as I had my first credit card. See, I was a bit deprived as a youngster. I was subjected to “You’ll wear what I bought and/or have budgeted for or else.” I honestly believe this is where my addiction to designer stuff came from later in life. I was subjected to super frugal clothing with little style in my youth, so I rebelled much to the chagrin of my budget.
Cars and Car parts/performance modifications. The wondrous parts for a car that have nothing to do with maintenance but give the illusion that your car will go faster and therefore be much cooler to drive.
Yes, ladies and gentlemen, start your engines! I am a car girl. We can go ahead and blame that on my dad. The endless hours in the garage in my youth, with my dad, watching and helping him repair all the used cars he has had in life are at the root of this evil. My dad is the epitome of frugality. I know I’ve mentioned that somewhere before. He always bought used cars and always repaired them himself.
I am on car number five in my thirty-seven years on this planet; four of the five have all had car payments. I have paid two cars off in full, both to only turnaround and trade them in a year later for more car payments. I appear to have a penchant for car payments.
Two of the five cars have had performance modifications done to them. One extensively, in the thousands of dollars, which I quickly regretted doing as it was my daily driver. This is what happens when you are addicted to the Fast and Furious movies. My only frugal saviour was that I did said modifications myself, with assistance from my dad.
I have had two major collections in my life, both of which I still own. Beanie Babies was one and the other was collectible dolls (Barbie Gold/Platinum Editions, Tonner Dolls, etc.). All of which I still have and am fully aware I should sell. Anyone interested? Not to worry, I do not need an intervention, nor do I need to appear on TLC My Collection Obsession.
This occurred later in life, the past few years as a matter of fact, where I decided I needed to try almost every sport out there to “find myself”. Lots of money spent here! I am fully outfitted for snowboarding, road cycling, mountain biking and tennis. Oh, and running too. Can’t forget the $2000 treadmill I am the proud owner of. I could have taken a week’s vacation for that fundage.
My love of travel has certainly racked up the bills. Paris, New York X 2, Montreal, Hawaii have all cost me a pretty penny. With my last trip to Hawaii, I have learned to travel more frugally, use rewards points to my advantage and to comparison shop.
I am sure I could add a few more nemesis in here, but these are the major offenders. Looking back, some of it I would never trade the experiences for the money back. Plain and simple. They were life-changing events that helped me as a person.
I’ve learned to become more frugal with some of my nemesis, they’ve become hobbies that I enjoy and wouldn’t want to be without. Others, I’ve eliminated them altogether in my journey to debt freedom.
Tell me, what’s your financial nemesis? Did you overcome it?
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