I have a question...
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|Wed, 06-04-2003 - 3:50pm|
i am female and will be 33 next week. never been married, no kids but one dog (who can get expensive!). i own my house and have two cars: honda accord and bmw convertible (both paid off). i have a master's degree and i work in public relations, which is a job i enjoy but certainly is not the greatest-paying job. right now with bonus i earn about $45k a year.
i guess my biggest financial question is, how do i enjoy today and still save for the future? i mean, in the present, i want to be able to go out to dinner if i want to. want to get a cup of Starbucks if i want to. want to keep buying Propel water if i want to. want to take a modest vacation every so often if i want to. i'm not trying to be extravigant.
but yet, it's just hit me that i have next to no savings. i have a 401(k) that is all right ($22k) but my IRA -- what little is in it ($2k) -- keeps losing value. i'll never forget that one conversation i recently had with my sig. other, where i 'revealed' to him that i have $3k in my savings account and he asked, 'that's it?' that hurt, but i guess it is true. i can't figure out how i could have so little when i am as good with money as i am. maybe i'm not as good as i think. however, being a single homeowner who has a dog and two cars, i would say that most of my $ goes/has gone to those. but i just wonder how i could ever afford to do more. i already feel like i can't cut any more corners; believe me, i've analyzed the heck out of my budget (i do have one and follow it religiously).
anybody have any thoughts about this? am i a failure?? :) i guess i just don't know how to save save save plus have a little bit of fun in the present and keep meeting current financial obligations (401, etc.) too. confused!! thank you -- fzz, ohio