With Blackjack and Hookers "I'm going to write my own blog. With blackjack. And hookers."

3Dec/120

Money Planning

I've been seeing a financial advisor, of late, mostly because my parents wanted us all to get our estate planning sorted out while they did theirs, but it's also good timing: they're going to help me work out whether I can afford to buy a house. Among other things.

It's interesting. And a little confronting. I've had to fill out all these forms determining how much money I spend on different things, and how much I want to be able to spend. From there, there's also questions of what happens if I'm permanently disabled, or if I die, or if I'm temporarily disabled and there are major medical bills, or, or, or… It goes on and on and on. I don't think anyone really wants to think about these things, but it's worthwhile. And interesting, if in a slightly morbid way.

Talking about what happens if I die is especially strange. My first instinct is 'well, I'll be dead, why should I care?', but it's more complicated than that: people I care about are involved, and it would impact them a lot. For me, the biggest issue is, I think, that my death doesn't cause financial hardship to anyone I care about. Beyond that… well.

Numbers scare me a little. I try and keep track of what I spend, but things always add up in ways I haven't quite anticipated. I spent more than I ought to… but I like to think I'm getting better about it. I definitely don't live beyond my means, though, and that's comforting: I can do better, but I'm not in a hole. I'm not good with strict budgets that say I can spend x amount on y thing; I feel limited by them. Instead, I'm trying to focus on bigger picture: save x amount, put less than y amount on the credit card each month. Pay off the balance. If I end up buying a house, I know it'll be a lot more important to absolutely stuck to this kind of thing, though, so I'm trying to get into the habit of sticking with it now.

Not that I want to end up having to change my entire lifestyle in order to buy a house - I want to buy, but I don't want to do it if it means giving up my lifestyle. That's a big part of why I've been having to try and work out all the expenses, so that the financial advisor and I can model it.

It would all become much, much easier if I'd just win the lottery or something, though.

Which… would take entering the lottery.

Which isn't going to happen.

Alas.