Tuesday, November 06, 2018

Not buying it

 The Nest.

When I worked for the Digital Credit Union, I drove an old Ford Escort. Living in Boston, having an expensive car was stupid both from theft and dent potential. My fellow staff members chided me, and once my boss asked if he gave me a raise, would I buy a "decent" car. I said no, but he could give me the raise.

He didn't.

Not just because I was a single mother, did I refuse to participate in consumerism. I like nice things. I like pretty things. But there's a limit. I didn't want any debt.

We were spending a few days in my Nest. Thirty-one years ago, I paid $18,000 cash or a small studio/loft to retire in. It was my 45th birthday and I wasn't sure what retirement I'd have. (Later because I did not need a car for 20 years, I was able to pay cash for a second studio as income rental from the savings.)

With the help of a French friend, I found my retirement studio loft in a French village on the Med. I lovingly furnished it making sure I had everything I needed. Nothing went into it that wasn't useful, beautiful and/or had a memory.

I could live there for $600 a month. I still could today. Fortunately, I don't have to.

My office in the Warren where I live with my wonderful husband.

Marrying five years ago, the studio was too small, so we rented a flat two doors down. We furnished from depot-ventes and recycle places at low prices but everything in it we love.

My husband, an American, still has the, I want to replace the this or that. My response is always NO! We have one that works. He mentioned today getting a different fridge for the Nest. Small fridges have bad freezers. We don't need the freezer. I buy food from the local merchants daily. They are a few minutes walk away. There is a good freezer in our other flat, but often we put stuff in it and leave it too long to use. Throwing out edible food bothers me. We could do without a freezer, I think, except for ice cream and his loving of frosty glasses.

I have everything I need and more. What I want is to have no debt (I do), peace of mind, time to do the things I love with people I love and none of those have anything to do with buying anything. Like a nice bowl of ice cream while snuggling with my husband and watching something interesting without a worry in the world about our finances.

1 comment:

Miss Footloose said...

You have a good financial philosophy, and not owing money is fabulous. We read more and more about how people owe too much, and have no good retirement strategy. It's a recipe for disaster. For some reason teaching money management seems to be missing in many families and schools, and so kids aren't learning it, and don't even know the difference between a want and a need. Enjoy your peace of mind ;)