confessions of a money hoarder: how to find the balance between saving & spending

It’s New Year’s resolution time, folks.  But first, a confession:

I don’t know when my intensity to save money began, but I know I had at least started to develop my frugal ways back in high school.  My dad had set up Roth IRAs for both my brother and me back when Neal (that’s my brother from the same mother) was driving a Bonneville and I a Lumina (RIP), and I can always remember the end of year question of how much I wanted to put towards it.  Here’s a flashback:

Dad:  How much do you want to put into your Roth this year?

Britt:  $300

Dad:  Only $300? That’s a little slim.

Britt:  I think it’s enough.  I’ve got clothes to buy, Pops.

Dad:  Good grief. (He literally says this in real life. Like Charlie Brown.)  You’ll regret that.

Sassy Britt:  No, I won’t.  $300 is more than enough.  It’ll almost bankrupt me as it is.

Neal:  I’ll put in $500.

Britt:  Okay, I’ll do $501.

Sooo maybe my love of saving started as a hearty competition against Neal.  (Sibling rivalry at its best.) But it slowly morphed into a competition with myself, and one morning I woke up to find myself sitting on a small arsenal of cash with no army upon which to fire it.  I’m one of those people that saves just to save, with no goal in sight other than to see my account balance inch higher and higher.  I actually tried to convince myself at one point to save for a more expensive car (Jeep Grand Cherokee, come at me) just so I would have something to use my stockpile for.  And then I realized that not only would my registration fees and gas expenses skyrocket, but I’d have to parallel park that big block of metal.  No, thank you.

In a nutshell, I have trouble finding a balance.  I am so concerned that I won’t have money for some unforeseen event (even though my emergency fund is fully stocked and well in place), that I’ve thrown myself to the far side of saving spectrum, cowering there in fear of this made-up money-sucking monster.  And that fear-stricken corner is where the theme of my New Year’s resolutions stemmed from.  For me, 2016 is going to be all about taking risks.  You can only play it safe for so long, and I’ve come to be tired of it.

So back to the resolutions:

First up, this blog:  this is my baby, my brain child.  And for awhile, I’ve basked in the comfort of where I currently stand, publishing posts a few times a month in the hopes that Pinterest or Twitter will increase my viewing base.  I love helping/sharing with you all, and I’d like to do that on a grander scale and in more ways; thus, I’m going to push the envelope a bit in 2016.  Devote more time to creating more content.  Get published on other sites.  Expand my audience.  Maybe start a Youtube channel to provide tutorials or develop a product to market.  I’ve had big dreams for this little blog sitting in my head for so long, and this year, I’m going to try to make some of them reality.  And you know what?  Some may flop.  That’s scary but inevitable when you’re trying to spark growth.  However, I’m hoping to find that come December 31, 2016, I can honestly say this is the year that launched this blog into something more.  Damn, it’s frightening to even say that.


I’m a writer, new mom and foodie. I love sharing what I know while making others feel beautiful. On this blog, I share my healthy lifestyle, simple meals, fitness tips and experiences.

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Kara Bout It