Being Financially Stable

Hello Reader and welcome back to my blog! Today, I want to touch on one of the most said to be “taboo” topics: money. Tony and I had a dose of reality this weekend where we were put in a situation in which we really had to sit an discuss financially where we are and how it may affect us in the future. 

We have been living together for almost a year and we were getting ready to make a decision on whether we were going to move out to a new place or just stay in our current home. Bless our property manager for making our decision easier to make, financially. Needless to say, we will be staying in our current home. 

Just for everyone to know, there is nothing wrong with our home; we just wanted other features we felt would be efficient for our living but financially, we are still in our head space of “let’s get this bread; stack chips; get rid of debt,” and we want to stay consistent with that right now. I’m happy with our decision and I think Tony would say the same.

Growing up, I always had this mentality of “needing things” rather than “wanting things” and I think it has helped me stay grounded as an adult. I don’t feel the urge to want to buy things. If I could show you a budget sheet of my “wants,” it would probably consist of eating out at restaurants, if anything. Any wants for me are typically investments that could help me in the long run, things that will last or be with me for awhile. 

Being with Tony, I’ve eased up a little only because he once said to me that “we work so hard for our money and you don’t think you should buy yourself a little something for that hard work?” Not in those exact words but something similar. And it has stuck with me ever since. So maybe once in a while, I’ll splurge a little but it’s rare. 

The unfortunate thing is, this generation… our generation; I don’t care how you swing it; it is really hard to live especially for those living in California. I’ve said this before and I’m saying it again, we live paycheck to paycheck and it’s harder to save. We bounce from one job to another because the market is freaking booming and we have desire to earn more. 

As much as Millennials shit on other Millennials or even Xennials shitting on millennials and millennials blaming Generation Z; the whole circle, it doesn’t matter. Our current state is, we are trying to survive. That’s what we have been taught; survival of the fittest. It’s a competition. Whether or not we blame each other and we claim to not be like each other, from one generation to another, we’re all in the present playing the same game. Survival. We’re technologically advanced, more competitive, and we’re still researching more ways to be efficient and over the top. 

It’ll take some time to find stability though. Because for the same reasons I just mentioned, we also need to find stability in being able to handle all of that. The rent goes up, items for purchase are more expensive, and it gets harder to find a job that keeps you stable enough. 

I want to encourage all of you in whatever you’re doing now to save and keep yourself stable: keep doing it. Be prepared for “future you.” If you haven’t started, do it… You will thank yourself later on in life.

When Tony and I were looking at apartments this past weekend, we were finding places that had what we wanted but we kept questioning ourselves; were we willing to fork up more than what we agreed on? One of the questions I most frequently asked Tony was “are we cutting anything out of our budget though?” or “are we even going to be home?” Tony and I like to be actively out of the house for the most part so it may not be in our favor to increase our rent just to have a few features and us not even being home. 

It was a lesson learned over the weekend and I’m more appreciative of the fact that I have a partner who understands our financial needs rather than saying “fuck it, let’s just do it.” It was a moment in building our relationship even more; the ability to sit with your partner and hear one another’s thoughts and feelings on your current financial situation and how it may impact your decisions together for the future. 

I’m still searching to be more stable in these coming years, as we all should. I will say though, I am probably more stable than the next person and I’m thankful for that. Everyone’s financial situation is different. You could be broke and still be happy. You could be rich and be the unhappiest person on earth. Money doesn’t make the world go around, it’s your perspective and how you make of it. So, stay grounded. Make that money, don’t let it make you.

Until the next post,

With love and support,

#beingjtran❤️🌻

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