Is there a place for jewelry in the mind of the 30 year old former debt addict? Do I dare delve into temporary debt and pull out the credit card for a pair of diamond earrings?
I’ve been doing so well with the debt snowball, my monthly budget, living below my means and a number of other things a fiscally responsible individual is supposed to do. And yet here I am, at the ledge looking down, pondering a financial move so obviously inconsistent with my long-term goals. Am I not recovered from my addiction … do I just need a little taste of financial frivolity?
My girlfriend – who I actually adore and can’t believe I do because I have never adored a woman I was dating before (but that’s a whole different blog) – is graduating in May and getting her Doctorate in Physical Therapy. I consider this a big deal and a signficant accomplishment … perhaps even something worthy of diverging from the saintly path of responsible personal finance.
She is not an unreasonable woman, is aware of my past addictions (credit has been just one of my ‘dark passengers’), supports my current personal finance efforts and has no expectation of some lavish gift that I can’t afford at the moment.
But damn it … can’t you cheat just once in a while?! I read all of you saintly, ascetic personal finance bloggers with your lessons on frugality, your personal net worths, and your rah rah rants against plastic and debt. And you know what … I’m a believer in your church, I kneel at your altar and I repent for my past financial indiscretions. Oh and there’s the pontiff Ramsey bellowing “live like no one else, so you can live like no one else”.
Yes … the force is weak in this one and I am considering a brief venture to the Dark Side … temporary credit card debt.
I love this girl and think there are occasions in life that need to be celebrated appropriately. And in my mind … this girl has worked extremely hard to accomplish this goal and if her boyfriend can’t make a big deal out of it, who can?
“Oh silly man … there are other ways to acknowledge her accomplishment and not go into debt. If she’s such a great girl she’ll understand and wouldn’t want you to succumb to the Dark Passenger of Debt!”
So what does a man on the road to recovery do? Have any of you personal finance experts ever diverged from your righteous paths for a girl? a special occasion? an important milestone?
Love is patient, love is kind. It does not boast, it is not proud …
…. but does Love ever just say, “The hell with that. I’m buying this beautiful girl who I love a big pair of diamond earrings to show her, albeit in a silly consumerist driven splurge, just how proud I am of her!”