Was such a victim of lifestyle creep! YNAB has been a game changer for really seeing where my money is going and being intentional with anything leftover when I do get promoted or get a raise. Sinking funds have been my saving grace!
Lifestyle creep is something to avoid, unless you were living a very poor lifestyle and now can afford things like dental care that you couldn’t before.
For me, owning a house free and clear (I’m about to) fills me with a deep relief. But also, we’ve customized to the hilt. I’d not feel happy in a featureless gray and white house. And as an adult, I never want to have to ask someone else for permission when I want to paint or remodel or landscape.
But I live where it’s cheaper to buy a house than rent.
Was such a victim of lifestyle creep! YNAB has been a game changer for really seeing where my money is going and being intentional with anything leftover when I do get promoted or get a raise. Sinking funds have been my saving grace!
Lifestyle creep is something to avoid, unless you were living a very poor lifestyle and now can afford things like dental care that you couldn’t before.
For me, owning a house free and clear (I’m about to) fills me with a deep relief. But also, we’ve customized to the hilt. I’d not feel happy in a featureless gray and white house. And as an adult, I never want to have to ask someone else for permission when I want to paint or remodel or landscape.
But I live where it’s cheaper to buy a house than rent.