So Todd and I have been doing this whole budgeting thing for nearly three months now, and it’s been going really well. Our system of using cash for variable expenses has been working. We’re paying off our bills. We’re sticking to the budget. We’re building our savings. We’re more aware of our financial choices and are focused on making smarter ones. By all accounts, all is going pretty darn good.
One thing I’ve noticed throughout this whole thing is that there is a certain amount of embarrassment attached to financial matters. Not just mine, but for other people as well. I’ve quickly learned, however, that this embarrassment is simply something that one has to shove to the side if you’re going to be successful at this budgeting/financial responsibility game.
I admit that when we first started using the cash system I felt a little bit embarrassed when I counted out my money at the cash register, particularly when I was spending a larger amount of money, like at the grocery store. I mean — cash? Seriously? WHO USES CASH ANYMORE??? I’m sure I saw a cashier or two roll her eyes as I dug around in my bag looking for change. Cash is just so…90s, isn’t it? I mean…plastic is totally where it’s at.
Except plastic is the reason why there are a lot of people in financial trouble, and certainly one of the reasons why Todd and I needed to make some major adjustments. So I’ve been working hard to let go of that embarrassment. I mean, shouldn’t it be MORE embarrassing to pay for a pack of gum with a credit card than cold, hard cash?
It all came to a head for me over the Christmas holidays. For New Year’s Eve, Todd and I planned a board game and home made sushi night with our three girls. I’d budgeted for the sushi supplies and we hit up the grocery store. The only thing we couldn’t get at our chosen store was smoked salmon…everyone’s favourite sushi ingredient.
We decided to head to a different store to see if we could get what we needed. I mentally noted that I only had 8-ish dollars left in my grocery budget. Of course, we had other money, it’s not like it was our last $8.00 in the world, but I’m committed to this whole sticking within my budget thing, dang it. Of course, truth be told, I was perfectly willing to go over budget and chip in some of my own personal spending money for this sushi venture; after all, it was a special occasion.
So without paying much attention to the price of the smoked salmon, I grabbed what I needed and headed off to the cash register.
Imagine how tickled I was to discover that the salmon came to exactly $7.99! And then I remembered — sure, I’ve got the exact amount I need, but it’s all in change. Small change at that. I pulled my handful of change out of my bag and started counting, albeit with some discomfort. Todd and I often joke around a lot when we’re waiting in lineups and such, and this was no exception. While I kept counting, he feigned impatience, cracking jokes in an attempt to embarrass me. I noticed that the gentleman waiting in line behind us was showing some signs of true impatience. I cringed inside more than a teensy bit.
As I finished counting the very last of my change, equaling precisely $8.00, I turned to the somewhat grouchy gentleman behind me, giggled, and said “Exact change! It was meant to be.” Todd and I skipped off, laughing together at how this random guy likely thought this crazy chick was spending the very last of all of her money on smoked salmon, of all things.
Financial embarrassment? Ain’t nobody got time for that.
I’d love to hear if anyone else out there have experienced any moments of financial embarrassment, and if so, what you’ve done to move past them.
Until next time,