Good morning from Eau Claire, Wisconsin! This week, I have been in Wausau, Weyauwega, Nekoosa, Antigo, and may stop in Oconomowoc on my way home. I get no greater pleasure in my job than calling the office (in Seattle) and trying to get the people who answer the phone to pronounce the town names here.
This is not a guide on how to land the perfect man...I just wanted to see how many of you were curious enough to click on the link based on the title. But it is a post about need versus want, and this is a topic with which I am quite partnered in experience. But I assure you that you will be more ready for that perfect man if you get your money in order...money is the biggest stressor in life, so if you minimize the stress from it, you will be more open to a new relationship. Magic!
I talk about money like it's no big deal, because it's not. Some of us have tons of it, and some of us have very little. It's what you do with it that matters. Because I am so open about it, I get asked all the time how I manage it. So if you actually want specific nickel-and-dime tips with your own finances, I am happy to look at them and help you. For now, though, here are some ways to hash out need versus want, which will make a world of difference both in your psyche and your pocketbook.
1. Analyze your need versus your want. There is nothing wrong with wanting. You have to, have to, take care of your needs first, however. Bills first, fun second. And if you have gotten yourself in a situation where you have to pay back half the businesses, stores, travel companies, internet lures, etc. that exist because of purchases you thought were needs but really were wants, you need to do that ASAP and put fun on hold. I have a tenant that smokes a lot of pot and never pays the rent on time. Smoke all the weed you want...it will be fully legal and regulated in a few years anyway, but it's simple: rent first, weed second. If you can't afford your rent, then weed can wait until next month.
2. Quit smoking/drinking/partying/spending. Cigarettes kill people, and they are expensive. Alcohol is also expensive, and it causes people to do stupid things, like have unprotected sex and get behind the wheels of their cars and get tattoos they regret. All of these things cost money you don't need to spend, especially driving while drunk. Partying may be fun, but people lose everything from heirlooms to families of the excesses of partying. Same applies to buying stuff you can't afford. "Afford," by the way, is defined for this purpose as "Have the money left over after necessities to buy." Credit cards are not a tool to afford things...they are loans with exhorbitant interest rates, and most of all, they are a business for others to make money at your expense.
3. Get out of debt. Most people understand compound interest when it comes to their savings account. Get 5% interest annually on $100, and you will have $105 after the first year. Then in the second year, instead of having $110, you will have $110.25, because you earn interest on your interest. So why the hell do people flip out when credit card companies treat you like the bank, and themselves like the customer? Only with credit cards, it's usually 17.99% instead of 5%. A hundred-dollar manicure on a maxed-out credit card with a $3,000 limit can literally cost you $280 if you pay only the minimum on the card. Worth it? Of course not. If you can't afford it with cash, don't buy it.
4. Quit lying to yourself. The following statements are all truths: Debts and late payments affect everything in your life from getting a job to paying for a "proper" funeral. If your self-esteem is tied to your appearance and possessions, then the issue is your self-esteem and not the items you are buying or not buying. No debt is good debt, including mortgages (argue with me all you want on this one, but if your mortgage is paid off, you don't need that tax refund check). If you are spending more money than you have to put on a front to your so-called friends, then you need to get new friends. $11,000 cars and $45,000 cars get from Point A to Point B exactly the same, and have the same maintenance schedule so you will be paying for the same maintenance on both cars (except you are $34,000 in the hole with the second one). If you never have money for diapers and formula for your kids, but you just got hair highlights/a new North Face coat to replace last year's perfectly-fine coat/your fifth meal out on the town in a row, then your priorities are out of order.
5. Concentrate on relationships. This is last on the list, but should be first in terms of priority regardless of your financial situation. Your "real" friends are fun whether you are walking with them in the park, or taking a field trip to Atlantis for eight days and seven nights. If you don't have the money (not the credit, but the money), do the walks in the park or the equivalent until you have more of it at your disposal.
Yarn is expensive. Despite the fact that I work for a yarn company and write for a British website that also sends me free yarn to review, I still buy yarn. And real estate. See, I know the things I like to buy cost $150,000 with a 20% down payment up front. Or, you know, fifteen bucks a skein. But anyway, I know these are my wants...I know me well enough to know that I need a roof over my head, a phone and internet access, enough money for gasoline and car maintenance, heating and electricity bills, and property taxes. I want Chicago Blackhawks season tickets, chocolate at least twice a week, 7-Eleven coffee at least twice a week, to get my damn bike fixed, beer money for days I want to see Jesse and Joe and Vinny and Tia and watch sports, Danskos and Doc Martins, and more yarn than I know what to do with.
It's difficult. It is. Very. But if you adjust your priorities long enough to get out of debt and have a money surplus at the end of the month, you won't believe what this does to your relationships. You can actually be there for people and it doesn't make your stress level get worse. You can feel the hearts of the people who need your support, and you will be able to buy that emergency plane ticket and still be in the black in your bank account.
Most importantly, you will be appreciated for you. Nobody gives a crap how perfect your fake tan looks, or how much you paid for your Coach bag, or if you made a mistake in the socks you knitted for them. At the end of the day, people care about feeling like their life matters when they are in your presence.
Oh and by the way, the wrong man will be attracted to how much money you set out to show them, and the right man will be attracted to how you treat them and others. Sometimes it is a frustrating wait, but let him show up instead of slathering a bunch of rich-people possessions all over yourself in the hopes that he notices you. Or, knit him a hat. Guys like that.