For as long as I can remember I have always been very cautious about spending money. Part of me is quite proud of that trait actually. My mother praised me as a child when she saw how I saved my Christmas money instead of immediately spending it all like my sister would. It made me feel mature and savvy. I feel safer when I have a good chunk of money squirreled away somewhere. Yet as I’ve gotten older and accumulated more and more, it still seems like I never have enough to really feel secure.
I came from a rather poor family growing up. We had more than a lot of people in my area, but my parents definitely struggled a lot when my sister and I were younger. Eventually they managed to rise on the economic ladder, but their thrifty shopping habits never went away. When you learn to live on the bare minimum, it can be hard to feel comfortable spending money on frivolous luxuries even once you can afford to. When my sister and I were younger we used to hate buying our clothes from Gabe’s. We were embarrassed and wished our parents would buy us expensive clothes from Pacsun or American Eagle. The funny part is now that I’m an adult and could probably afford to buy myself expensive clothes, I absolutely never do. I adore going to Gabe’s now and hunting for the best deals. I pride myself in finding expensive designer clothes there for a fraction of the original price. When I receive complements I even tend to brag about how cheap the item was.
From an early age I began to view people that bought expensive, full-price things as stupid. Especially when they were conceited about it. Why would you show off the fact that you wasted so much money? I often wondered. They were just getting ripped off as far as I was concerned. I can’t even remember the last time I bought an article of clothing for more than $10-$15. Even that is pushing it for me. I prefer single digit prices. I think a lot of people would be surprised by that though. I love to dress fashionably, and I have a lot of seemingly expensive, name-brand clothes. A lot of my favorite cardigans were once priced at $50. I got them for $5.
All of that being said, I’ve managed to save up quite a good sum of money after working full-time for a few years. I don’t have many bills to pay. I don’t have children to spend money on. I hardly ever go out to eat. I no longer have to pay rent. I only very recently took out my first small loan for a car that I will probably pay back in half the allotted time. Not to mention I also got those stimulus checks this past year, which were basically just free money since I never stopped working during the pandemic. Yet even though I’ve got a stable income, few expenses, and a lot of savings I still rarely allow myself to make any big purchases. The few times I actually have, left me feeling anxious and guilty.
For example, even though it was my first loan, a great deal, and a car I badly needed, it took me weeks to finally relax and stop stressing myself over my monthly payments. Even though I am more than capable of making them. I also decided to spend some of my stimulus money on a new MacBook after having my old one for over ten years. I really had to keep framing it in my mind as a “free” laptop from the government in order to convince myself to go through with the purchase. And even though I absolutely adore it, I still often feel twinges of guilt and wonder if that money could have been better spent elsewhere.
A few days ago I accidentally dropped my iPhone in water. At first it seemed okay, but then as the day progressed I noticed the speakers weren’t working right. Then the following day it wouldn’t hold a charge for more than an hour or so. I had already been looking into getting a new phone since I’ve had this one for around 4-5 years. I was even pretty excited about it. Of course I needed to feel like I wasn’t spending money though so I dug out the roughly one grand I got from my birthday and Christmas last year. I had yet to spend a cent of it after nearly six months. To be honest I would often forget I had that money at all. Yet even with all of that I still feel insanely guilty about buying myself a new phone yesterday. Especially since I woke up this morning to find my old phone working normally again. I haven’t even opened the new one yet, and I’ve even contemplated taking it back.
Part of the reason I wanted to write about this topic today is to convince myself not to do that and to keep my new phone even though I don’t technically need it anymore. Of course it wouldn’t be wise to always be making big purchases like that, but once in awhile is perfectly fine. I shouldn’t feel guilty for treating myself every now and then. What is the use of having money if I never allow myself to spend it on things that make me happy? It’s important to have savings for sure. But it’s also important to use my money in ways that serve me.
I am not going to return my new phone. I am going to let myself be excited. I deserve to be excited about it. Technically I could say it’s a Christmas gift anyway. I’m sure my friends and family wouldn’t want me to feel bad about spending the money that they gave to me. They would want me to relax and enjoy spending it on whatever makes me happy. Instead of feeling guilty and anxious when I start setting up my new phone today, I am going to focus on feeling grateful. I am grateful for the generosity of my love ones that allowed me to have the money to buy my new phone. I am grateful for a chance to do something nice for myself. I deserve kindness. I deserve self-love. I deserve to treat myself with nice things. I deserve to experience pleasure and excitement without guilt.