It's Friday and that means it's time for another wrap up of my weekly geek outs!
This week has been full of "adulting" moments for me, so I thought I'd share some thoughts on them.
I recently swapped my car I've had been leasing for the past three years for a new lease (just a newer model of the car I had before). The payments will be less, I'll have more insurance for less money, and my maintenance is covered for two years. It seemed like a good deal to me and the car has been running great so far. I don't need much when it comes to cars and I am admittedly aloof when it comes to them. I don't know much but as long as it runs well, I'm set. I just make sure to take it in for routine maintenance when I'm supposed to and everything is fine. I hope to get at least a hybrid, if not an electric car, for my next vehicle but we'll see where we're at then with infrastructure for electric.
I've been trying to be conscious of my spending and work off a budget for these past several months now that I have a steady, predictable income with my job. It's been working pretty well thankfully! I don't feel like I'm depriving myself I just scrutinize if I really need certain things and make sure I'm saving money as much as I can. I try to use up the goods I have so I don't have to buy more and just make smart choices with my money. It's felt good to be responsible and I know as I continue to foster these skills, I will only get better as my life gets more complex and complicated.
This is something I've been thinking about since I started this job almost a year ago. My employer makes contributions once you are working for a year, so since that date is on the horizon, I've been giving it some thought. I haven't started a retirement account yet since I felt like I needed the money now and it was hard to think about myself 40 years from now benefiting from the actions I'm taking now. I chatted with a friend about retirement accounts and what it all means which nudged me further on this. Definitely ask the financial whiz in your life or just someone else in your life in that has gone through the process and they'll be able to help you out if this is something your thinking about. It definitely feels very adult to even be considering retirement accounts but it is important to do for your lifelong wellbeing.