Smart/Sensible or Fun/Frivolous

iVillage Member
Registered: 11-01-2005
Smart/Sensible or Fun/Frivolous
10
Wed, 11-04-2009 - 8:34pm

Ok ladies, I need your opinions.

DH and I have a bit of extra money in the bank right now and there are a few things that have been on my mind lately.

Smart and sensible...

Our car is 12 years old. In the last 2 years, we've replaced the battery, alternator, some belts and brakes. This car will probably be off the road in the next year and we probably wont buy a brand new car but probably something no more than 5 years old. So the smart and sensible side of me (us) is to take the money we have and continue to save it, put it aside for the car down payment and also to help support when I'm off work in May. I will still be getting employment insurance payments though but its definitely half of my current salary. THis current car is also our only car.

Fun and frivolous...

DH and I have taken many small weekend trips and fun activities around Ontario and the US (mostly home in the US) since we've been married. The last trip we went on was our honeymoon two years ago. I would really like a trip before the baby arrives sometime in January or February. I'm thinking of an all-inclusive resort somewhere in the Carribean or possibly the Florida Keys for a week. I honestly dont care that I can't drink (booze is abundant at all-inclusives which so many people point out and it really doesnt matter to me). I just want a week with my husband to enjoy him, the weather, relaxation and good food. Plus I will be right around 5-6 months PG which isn't too late in my pregnancy that I will be uncomfortable or huge either.

So what would you do? We wouldnt blow everything in the savings account, and I've considered that I will be teaching again in March so that is an extra 1000 bucks plus our tax return.

Help!!!

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iVillage Member
Registered: 07-14-2008
Wed, 11-04-2009 - 9:39pm

I'm not the best person to be the first to answer, because I've only started travelling fairly recently (I was a broke student for 11 years and the only real travelling I did was to see family or go to conferences).

Lilypie First Birthday tickers
iVillage Member
Registered: 10-03-2008
Wed, 11-04-2009 - 11:31pm

I would have to recommend going on the side of moderation. Plan a nice trip for you & DH, but keep it lower cost. Maybe something closer to home & less expensive. Someplace you could drive to & stay in a little B&B or osmehting like that. Just my 2cents. I used to be all about blowing all of the cash & having tons of fun, but now I see things through a more frugal lens. You can have just as much fun without blowing a bunch of money if you look for the right thing.


GL deciding! :)

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iVillage Member
Registered: 04-03-2008
Thu, 11-05-2009 - 11:53am

I agree with Noel. I would plan on taking a trip but not one which was so far away or so expensive.


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Community Leader
Registered: 02-06-2006
Thu, 11-05-2009 - 2:56pm

Hey Ruby, totally lurking over here (I like to see how some of the NQE grads/regular posters of yesteryear are doing!)


One thing you might do re: the car is have it checked out by a mechanic to see if anything is going or will need to be replaced in the next 10,000+ miles.

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iVillage Member
Registered: 03-29-2008
Thu, 11-05-2009 - 3:04pm

Ok, so I think I'm with Ash and Noel on this one.

-Suzie :)

 

 

iVillage Member
Registered: 08-24-2005
Thu, 11-05-2009 - 3:16pm

Currently we are in a tight spot about savings and money in general, so my first instinct

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iVillage Member
Registered: 11-01-2005
Thu, 11-05-2009 - 10:26pm

Thanks everybody for your thoughts!

Your suggestions to take a smaller trip are good ideas...but I dont think I would be satisfied with that because DH and I often do that already. Thats all we do is take small trips and we often stay with family. The only time we dont really stay with family or friends is our anniversary trips. Plus its winter in Canada and I want somewhere HOT for a week. I would also consider south Florida or the Keys too if its a cheaper route than the Carribean.

The vehicle thing will probably outweigh a vacation at this point because DH and I ALWAYS do the sensible thing. Its interesting because many of my real life friends including parents of newborns or infants say to take the trip.

So we still dont really know what to do but I have a feeling it will be a car simply because thats how we are....I wish we could just do it though...we would still have some money left over for a car in the account. I dont know if we could swing both, I wish we could.

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iVillage Member
Registered: 07-14-2008
Thu, 11-05-2009 - 10:53pm

Ruby,


I'm totally in the sensible camp (as I mentioned in my previous post), but that being said, we went to Orlando this past February.

Lilypie First Birthday tickers
iVillage Member
Registered: 08-24-2005
Fri, 11-06-2009 - 6:58am

Well, you know, re reading everything... I think it is clear that your heart is set on a vacation... so why not??


I know, most of us giving the advice were thinking about "what if she needs the money later on and she regrets splurging on a trip" kind of thought. But maybe it will be different maybe more like "what if once baby comes they regret they didn't spend onle last big trip together"


It's perfectly valid too, so PLEASE don't feel guilty if you choose the vacation!!!

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iVillage Member
Registered: 11-01-2005
Fri, 11-06-2009 - 12:21pm

Thanks Jen for the info on Florida...I'm going to do some digging today.

Hi Mari,

Yes thats what I'm feeling...that its our last chance to go without worrying about kids. I know we'll go on trips without our children in the future as I have absolutely no issue leaving a baby, toddler, kid, whatever with grandparents for a week or so. My parents did it all the time and I'm a huge advocate for marriage first, kids second.

We'll just have to do a cost-benefit analysis on the whole thing...lol, oh the therapist in me!

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