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Wet Hot Saturday Night

In honor of the New Year, Mike and I spent last Saturday night going over our financial records, making a budget, and figuring out how to climb out of the debts of despair. While you may not think a financial meeting is a good way to spend a Saturday night, for us it was much hotter than a night on the town. All right, neither of us really enjoys nights on the town, we’d both rather stay in and watch a Law & Order marathon, I’ll admit it. If we’re feeling really crazy we’ll pick up two different pints of Ben & Jerry’s and swap flavors back and forth until both cartons are empty.

Whenever people tell me about how much their social lives changed when they had kids, I feel a sense of relief because it’s one less thing to worry about. We love not having social lives.

Where was I? Right. The New Year. Climbing out of debt. Thanks to Saturday’s meeting, we now have a Pay Our Debt plan and are fairly confident that by December 31, 2010 we will be credit card debt free. We also have a budget that includes weekly allowances, bi-monthly dates and ice cream.

Is that not the most exciting thing you’ve heard in weeks? Are you jealous? It’s ok if you are, I’m not weirded out. Because here’s the thing: When we moved to New York City three years ago, we had just spent the last year and half busting our asses to pay off all of our pre-marriage credit card debt. You read that right. When we moved to the City, we were credit card debt free. (I specify “credit card debt” because we were still carrying my student loans, loans that I am scheduled to pay until I am one hundred-three years old, and since they are an expense my great-grandchildren will inherit, they don’t count.) To be once again saddled with debt feels like a giant step backwards. We want to be taking steps forward, not backward. It’s about progress, people.

We love our financial meetings. They give us hope. We’ve been having financial meetings since our engagement in July of 2005 and they have always been a way for us to connect and remind one another that we have the same goals in mind. Having the same goals reminds us that we’re part of a team and being a part of team makes the wild ride of life a lot more fun.

If I had to explain why it is that a Saturday night of financial planning with my husband is something I find irresistibly sexy, I’d say it’s because it gives me a sense of safety. That my husband and I are taking equal measures to take care of one another, to plan for the other’s future, to plan for our future family, makes me feel taken care of. It makes me feel like I’m married to someone who wants to see me happy and fulfilled, a man who cares about my best interests in addition to his own. And that is incredibly sexy. Also, I have a thing for data entry.


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  • ‘Cita

    Congrats, City Rats!

  • Kim

    That is awesome. I love that you do financial-planning together. This is something that I think we need to do at some point, but not yet. We do a monthly sit-down of “here’s how much I spent this month on both of us, here’s how much you spent, who owes whom and how much” – but since we’re not in a combined-income or really joint-account-of-any-sort situation, that’s it. We haven’t committed to the whole “this money is our money, let’s plan for the future” stage yet…but I don’t think we need to be quite there.

    I like hearing from people like you though, who are a few years ahead and have some things totally figured out. It’s nice to learn from your mistakes and wise decisions! So…thanks! 🙂