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Open Open in app thedivinemsem shared something with you thedivinemsem Looks like I had company sleeping over last night…….first buck I’ve seen in the yard.  Fortunately my hostas and bird feeders survived the visit unscathed. 35 East 21st St, 10th Floor. New York, NY 10010. Email settings | Opt-out

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Open Open in app thedivinemsem shared something with you thedivinemsem June 1st - DINT, an experiment..... Overall, I’m a fiscally responsible type.  I’ve always saved even if it was only a small amount, and as I’ve gotten older and my salary has increased - so has the percentage of income that I save. And I have learned the difference between what I want and what I need, but I think that everyone needs a bit of both in their lives. This year there have been a lot of unexpected expenses in my household.  My savings habits (and a couple of happy accidents like a three paycheck month) have allowed me to absorb these challenges. But I need to make a conscious effort to save more and spend less so that I can replenish my reserves and enjoy my “splurges” without guilt. That’s why I’m trying DINT this month….Do I need this? I’m going to track every time I pull my wallet out….and at the end, lets see how much of it I really needed - or even really wanted - and how much was excess fluff. I pride myself on being good with my money  -  but I honestly have no idea what this month is going to show. 35 East 21st St, 10th Floor. New York, NY 10010. Email settings | Opt-out

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Open Open in app thedivinemsem shared something with you thedivinemsem 5/22 - There's always a silver lining somewhere.... And I was reminded of that today amidst my internal turmoil…. You see, my car is celebrating its 10th birthday this month.  I was going to trade it in, but some unexpected expenses earlier this year led me to decide to keep it for a couple more years….it’s served me well and only has 75K on it. Looking at the owners manual - I was overdue for a timing belt replacement.  I’d also noticed that the ride felt a bit bouncy and figured there were new shocks/struts in my future.  And looking back over a past post - the rational part of my brain recognized that automotive repair is not cheap. Even so, I was NOT prepared to hear 2853 and change come out of the telephone receiver.  In hindsight - she read the price as two eight five three - and I wonder if that was an attempt to make it sound less intimidating. I asked if they thought I should get the work done.  The response was - it comes down to personal opinion.  I can tell you that they looked the car over and didn’t find anything else wrong. So I told them to go ahead and from that point I’ve proceeded to second guess my decision a lot….should I have just taken it over to Carmax and traded it for that hybrid I’ve been considering?  Does it make sense to put so much money into a car that is only worth about 4K in total? I had so much angst inside that I actually tried to discuss the matter with my Dad.  You don’t know him - but if you did, you’d laugh at how ridiculous that thought was.  Dads cars survived on ducttape and prayer.  When they leaked fluid he just started carrying a spare bottle of whatever it was with him…..brakes squeal - he’d turn the radio up.  Right now there is a piece of metal wedged into one of the windows to keep it up.  (Not that it really matters - he doesn’t drive anymore so the car pretty much just sits there). Anyhow only time will tell if I made the right decision…..if this “extreme suspension makeover” gives me a couple more years of safe, reliable transportation from Ms Em - or if this is just the start of many problems to come. But I am hopeful that my good karma will keep helping me out like it usually does.  You see, even though this was twice what I was expecting to have to spend for repairs….May happens to be a three paycheck month, so I will be able to manage this without having to dip into my savings.  I’d already decided this would be a staycation summer and I’ve been cutting back on non-essential spending. And to my surprise - it really hasn’t bothered me much.  Sure, I’d like to have another Coach handbag - and new deck furniture - and have the guest bathtub refinished and the faucets changed out. But its not necessary - at least not this year. My challenge will be to work with what I have….I’ve watched my friend Carol do this for years…..hopefully I can learn a few things from her. #car #vacation #money 35 East 21st St, 10th Floor. New York, NY 10010. Email settings | Opt-out