Serious Apartment Hunt (sans Ego)

I've been saying I want to move so I can save more money for forever, but I don't move. Not moving is nice. Why should I really move?

My apartment is secure, and clean, and my neighbors aren't too awful, though sometimes I wish they would spontaneously combust (yesterday morning the two lovebirds next door woke me up singing an off-key duet. Note: these are not actually birds, but mid to late 30-something humans). I also have this great shower with a smooth surface that is so easy to clean. It has a nice low-flow showerhead that still offers pressure, too. I have had some plumbing issues, but maintenance here is great--super quick. I have garage space that I pay a small fortune for, but it's already prevented my car from taking a hail beating and now that I have a new bike, I can put that bike in the garage.

In other words, my life is peachy, but my budget is kind of tight to manage. When I selected this place, I was a single person with no obligations. Now I have committed to a tall awkward other that's 5 hours away, which means budgeting gas to visit and eating out (or buying fancy things to cook fancy at home). This has been a strain, but I manage, mostly by paying off the credit card debt accumulated during unemployment much more slowly than planned. Then yesterday, I committed 5% of my income to a 401k because my employers match the most at that rate, and I'm finally eligible to contribute. I kept doing my budget and thinking, 3% is all I can afford and then I input 5% on the enrollment form anyway. I'll make it work, I said to myself.

So my next step after committing myself to serious retirement savings was to cancel the automatic transfer I have scheduled to my pre-existing IRA. I will re-institute it if I find an adequate place with adequate savings. I also kind of hope to increase what I auto-transfer to my regular savings account and to increase monthly transfer to paying of my credit card. The sooner I pay off my credit card, the sooner I can pay extra on my student loans, which I will be paying off forever, so I don't even imagine life without it as a bill, but I do often dream a few years out when my car will be paid off. It's such an exciting thought.

I've had all of these goals all along, but I rented a secure downtown apartment with codes to get in, and cameras in the halls, and a deadbolt on my door. It's hard to give that up. Lately though, I think to myself, what would I do if I made what I did at my last job? I wouldn't have a choice. I would have to live in one of these other less desirable places that are available. A less secure place where I would watch my back as I walk from my car to my door and probably clutch pepper spray in my hand, mostly out of paranoia, but also because it's better to be safe than sorry.

I had those habits during my undergraduate college career, and I've already moved so far beyond that lifestyle into a land of privilege that I turn my nose up at such living and the people who live in those places, but there are plenty of nice people in poorer neighborhoods. In fact, I miss my old neighbors from my last apartment. They were nicer, and friendlier, and quieter--in interaction they behaved more like people and there was a sort of unspoken pact that we watched out for eachother because there were some unsavory types around. Other than a nod in the elevator, my current apartment is full of people who are just too busy and wrapped up in themselves. Of course, they don't have to worry about me, and I don't have to worry about them, so there isn't a whole lot of necessity for such elements of humanity.

So I've reminded myself that I am not too good to live cheap. People do it every day, and if they're smart about it, they're fine. I do kind of wish I could get a dog for an extra sense of security. I remember one summer living alone in a basement apartment with no roommate, and I used to worry someone would come in through a window in the unused room or something, so I kept a frying pan by my bed and counted on my cockatiel to squawk the alarm from the hallway. Maybe a new cockatiel would be more feasible than a dog?

Outdoorsy Materialism

Lately, I am experiencing a new surge of materialism, which is a reminder that one purchase does not quell the desire for stuff but enhances it.

Chris and I both have recently become the proud owners of the material possessions known as bikes. I am very, very happy that we have them. I've been riding mine to work and the Y. Chris has been riding his about 10 miles a day (21 yesterday). I'm sooooo pleased about us having bikes and actually using them.

So am I content to go out and use my bike all the time and forget about making any other purchases? Nope. Yesterday, I bought new sneakers. To be fair, I bought my old pair 5 years ago and have worn the soles smooth-ish. My feet and knees have been hurting after zumba. It was time. After hours reviewing sneakers online, I ordered a pair from Dick's Sporting Goods online.

That should have been enough, but while on their website I also looked at a resistance band and earplugs for swimming. I almost bought both, but I found out I was $1 away from getting a reward that would cover most of the resistance band, so I put that on hold. I convinced myself I need it so I could get a better workout with one of my Denise Austin cheesy 90s workout videos. The earplugs I had been planning to get for some time because I do swim and I also tend to get swimmer's ear, so I feel like that's okay--and those are super cheap.

Materialism quelled? Again, no. I went to track my order to see if they were super fast and had already shipped the items yesterday and somehow found myself looking at canoes and then grills. Ridiculous. Both would be nice, except I would never use them with my partner in crime being five hours away. I'm not very good about doing things by myself.

Instead I made myself a list of activity gear, then I made myself some rules for purchases. Big ticket items like the grill and canoe cannot be purchased until my car is paid off. Little items like tennis balls, reflective gear for biking, and new fitness clothes must be earned. I haven't decided just how yet. I'm thinking maybe a short story or five must be written, polished, and posted on my blog in order to earn such things.

I may have to apply this reward system to clothing shopping too.