So, no joke - moments after I publish my first post and I start feeling proud of myself that I am making some progress and on the way to financial freedom... a co-worker enters my office and sweetly asks me to check out a catalog of gift items for a fundraiser at her child's school. Aghhhhh! Of course, I smiled and enthusiastically said, "Yes, I'd love to!" What I was thinking in my head was more like: "No effin' way! Did you know that I am about $60K in debt?!?" or "I don't even have kids, what gives you the idea that I'd want to fund your kid's school?" or "Are you kidding, you make way more than me! There's no way I can afford anything in there." But no, instead I took a look through the "catalog of crap" (as I fondly refer to them as) and prayed that the selection would be more than just a bunch of cheap chocolates and lousy holiday wrapping paper. I was pleasantly surprised to see that they now offer magazines! Not that I need a subscription to any, but my fiance loves to peruse Entertainment Weekly while in the bathroom (I know... TMI!). So, I spent $20 and I ordered a subscription for him. Hopefully it will start around the holiday and I can chalk that up to a gift for him.
As I begin this journey and come across situations like that (as I'm sure there will be more), I'm going to try to find a gem of wisdom to learn from. I figure this path won't be easy and I'll have to be prepared to handle these situations as they arise.
Lesson Learned : Although it may not be comfortable, come up with a nice way to decline when asked to donate money or purchase items that are not needed. (Preferably without having to share my financial situation.) Make it my "go to" phrase when those situations arise. Learn how to kindly, but comfortably say "No".
Question : What is your "go to" phrase when asked to spend money that you really shouldn't?
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