Quote:
Originally Posted by cicy33
I don't feel that my unwillingness to needlessly suffer is my downfall. I don't have to turn off the cable and internet to pay my bills but I could and it would pay off stuff a little faster. However, not going to do it cuz that is my entertainment. I don't go to the movies, I hate shopping (except for groceries), I hardly ever buy new clothes. I mean like once every two or three years. So, we have the net and cable. I think the difference is that I am willing to do it a little slower than some people. Not that turning off mediacom is going to be the trick to paying everything off. Our other bills are pretty much requirement with the exception of the loans and those I am working on. Our mortgage isn't bad, but these da*& taxes are getting bad. Our property taxes are $1600 now. That is more than $100 per month! I don't live in a mansion! Our average pay rate here is minimum wage. and my gas cost is doubled in the past months.
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Just because you are not blowing money, doesn't mean you are in the right position to prosper. I can afford more house, but I would sacrifice prosperity. I could prosper faster in a smaller home, but my wife like you, chooses to live for today, rather than to prosper faster.
We all want ot live comfortable lives and prosper, but sometimes you have to sacrifice much, to gain much more. When you get to the point that getting by isn't enough, you will choose to sacrifice, to really get a head and love it. The true blessing comes when both partners are dedicated to the process.
The most important test as to whether you will prosper is: Can you afford to invest at least 10% of your income no matter what. If not, you need to downsize your living expenses to make it happen. Being frugal with the other 90% is a bonus.