Don’t think I haven’t noticed that look on your face lately honey. We’ve been talking a lot about the bills and the bank account balances and all the B.S. that comes with it, and you haven’t smiled much at all the last couple days. Since I know that you rely on me to be the positive force in your life and it’s my job to keep your spirits high, I’m putting in some work today. Listen up, we’re going to be just fine. I know we both want financial security, less debt, and more savings, but you have to believe me when I tell you that (most!) young married couples just don’t get there overnight. It takes time and planning and a lot of effort. We’re putting in the hard work, and you can’t stop believing that it will all pay off. (Sooner rather than later!) I know I do. You think I don’t want to jump in front of a train sometimes when I think about how long it will probably take to pay off all of the school loans , the car loan, and the credit cards? But you know what gets me through it? It’s remembering that although times feel tough right now, they’ve certainly been much tougher.
Let’s go back in time for second. Remember those times when I was in grad school in California and we sat in the dark for two nights because we somehow “forgot” to save a little money for the power bill? Or the times we stayed in those “ghost motels” on road trips because it was either that or not have enough gas to get back home? Or what about the teeny tiny apartment we shared when we moved back home to Jersey that was so small we could watch TV in the living room from our bed? Well, I do. And, as I sit here in this well lit office in our most spacious apartment yet I can only think about how far we’ve already come and how many good things are in store. It may seem stressful to you right now for us to argue over how to save up for a vacation or whether or not we can afford another dog, but at least we’re talking about it, right? Things like that aren’t options for everyone right now and for us to even be having that conversation during the tail-end of a recession is a plus to me.
All I’m saying is, so what if we don’t have as much saved as we planned on by now? At least we have a savings account! Who cares if we still owe on a few credit cards? I remember when I had like 10 of those suckers and now I’m down to two, and you have one. If that’s not progress honey, than what is? We’re making it! Last year at this time I was unemployed and angry that I couldn’t afford to go out for a steak dinner or buy new shoes. Here we are a year later and we’re slowly getting back on our feet and still just as in love as ever. Please think about it like this: It doesn’t matter how much cash we have on hand, if we still have each other, and we’re happy we’ll be alright. I know this! So chin up, okay? We’ve got this, babe! Love you.
P.S. Buying a cup of your favorite Dunkin Donuts coffee every morning before work is not a “splurge” for you right now. LOL! If I hear you say that again we’ll have at it. I appreciate the sentiment but you work too hard not to enjoy the little things in life. If things get that bad, I’ll let you know — promise. Until then, drink up, mm’k?