Monday, April 29, 2013
Did I Waste My Money?
This is the very first time that I have ever taken an animal to be groomed. Since I have been spring cleaning, I decided that the cat needed to be spring cleaned also. DH has always clipped her nails and I have always done her bath. But this time we were was just not up to the hassle! We have so much to do in the house with the change of seasons and so much to do in the yard that I decided that I would pay for this job to be done. We are not as young as we used to be so it is time to pay others to do some of the things that we always have done. Since we have always lived a frugal lifestyle, we have the money to be able to do that.
Well, things did not go as well as I hoped. The cat is home and is finishing drying off in her bed. That is why I put a towel down so that her belly would dry. She hated her bath and she absolutely freaked when they turned on the blow dryer so they had to let her air dry in the kennel. They toweled her down as best as they could. But even with that, her coat is silky and she is clean. She has been brushed really well and her ears are clean and her nails have been trimmed. She was really freaked out when I picked her up. But she seemed to settle right down when I got her home. While she was gone, it gave me time also to scrub and sanitize her litter box really well and clean the room that it is in and scrub and sanitize the floor. I also put down a new mat under her litter box that is made especially to keep her from tracking the litter so much. This job is done and I am happy! Was it money well spent; you bet it was!
But that brings me back to the statement that was made to me. The person that said this to me is always complaining to me that they have no money. However she and her family go out to eat 2-3 times per week. She is constantly shopping or traveling. They still have a mortgage on their home and live way above their income and always have. They have taken so many home equity loans on their home that they have had a mortgage for decades. They buy new cars every few years on credit. They have no savings and so when an emergency happens they just charge it. Whether it be furniture, clothing, or dinners out, they just charge it. They are content to just make the minimum payments on their credit cards. How do I know this? Because she tells me!
Was I tempted to say something when she said that to me? You bet I was. I bit my tongue. But instead I will vent here.
We have saved for years so that we could spend the way that we are comfortable with in retirement. We don't ask the government to pay for us. We get Social Security and Medicare that we paid into for decades. I have already told you that we have never spent one Social Security payment. We have saved it all for our children who will probably not see a dime from Social Security. If I could avoid Medicare I would. It costs DH and I $2400. a year now in premiums even though we paid in all of those years. It pays hardly anything for us which is why we pay for a secondary medical plan. I expect come January with Obamacare that it will pay even less. I don't and never have taken Medicaid, Social Security Disability, welfare or food stamps. DH could have gotten Social Security Disability years before he retired. He didn't even consider applying. He would never take a handout unless we were really destitute and couldn't work at any job( even at our age).
I expect that this women who scolded me for spending to have my cat groomed will take any handout she can get when she is still in debt when they retire. The nerve of her to chastise me on my spending.
We frugal people have known for years that no one should pay our way in life. We pay our own way. By taking a handout instead of a hand-up ( yes, there is a big difference), you lose some of your personal freedom because you are dependent on the government. If the government decides to cut back that handout or tells you that you no longer qualify, you are not free from their decisions. You must abide by them. Many people in life need a hand-up when they have lost a job. I have no problem with them getting it. But a lot of those people only use those services temporarily and really do look and get a job. I do realize that it is harder now since the crash than ever before.
I have a budget for my cat. I put so many $$ a month in an envelope for food and vet bills. By using coupons, I have saved a ton of money over the past year on my cat's food. There was more than enough money in this budget to pay for her grooming without shorting the portion saved for vet bills. I am stockpiled on food for a couple of months so the budget is right on track.
I am debt free, no mortgage, no credit card debt, no car payment, no debt of any kind. If I want to pay cash for anything including grooming for my cat, I will. And I don't need this woman's permission or comments on what I spend. If she is reading this( which I doubt because she is probably out to dinner), I think I have made my point.
For the rest of you, don't take this the wrong way! If you can pay cash for dinner out, travel, clothing, furniture or anything else you desire, go for it. Live below your income, save for emergencies, and retirement and you will be in the same position that DH and I are now. If you have debt, pay it off as quickly as you can. It is a noose around your neck and stresses your life. I want everyone to be in the same position we are in when you retire: happy, healthy, wealthy, and stress free.
Thanks for letting me vent. It feels good to get that out!
As usual feel free to comment if you have an opinion on this.