Money Talks, So Should You

Balancing Act: My personal finance confessions

Esther Goh
by Esther Goh , Dimespring 30 (@eemusings)

I'm tight-fisted, almost miserly, about a lot of the day-to-day financial stuff. I also know all the basic rules of personal finance.

That said, I have my flaws. (I know  stop the presses!) Here are a few of my financial vices:

Sometimes we eat out because I can't be bothered to go grocery shopping

Yep, it's true.

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You know when you're low on food, with the pantry and fridge close to bare? When you just can't stomach the thought of plain toast or eggs? When you're too tired to make a trip to the supermarket to stock up on groceries, or too lazy to take the time and effort to whip something special up from the ingredients you DO have on hand?

Sometimes I give in and we just go out to eat. Not all the time, and often it's just to pick up a few cheap items from the bakery or a $10 platter of dumplings at our favorite Chinese restaurant, but it happens more often than I'd like to admit.

We pay for TV

This one almost physically hurts me to confess. My partner is a total TV addict, and ever since we moved in together, he had been nagging me about it. At one point, we moved into a big shared house with some of his friends, and they all pooled their money to get cable TV every month. When we moved out on our own, there was no going back  the precedent had been set.

For what it’s worth, we don’t spend much else on entertainment, and overall, paying for TV and movie channels every month is reasonably frugal entertainment.

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I don't always know how much is in my checking account

I don't keep much of a buffer in my checking account, though I can instantly transfer over money at any time, as most of my accounts are with my main bank. Since I put everything on my credit card, my checking account doesn't see as much action as it might, and hence, I don't pay a lot of attention to it.

I've never negotiated my salary

Women's Money Week was earlier this month, and one of the day's prompts was “increasing income.” Lots of bloggers talked about the importance of negotiating your salary. Academically, I know all this. Yet, two jobs into my career, I've never done it myself.

Got any personal finance confessions of your own to share? 

Esther is a 20-something writer and editor from Auckland, New Zealand, trying to balance living for today with saving for tomorrow. Esther is a member of the Dimespring 30, a community of bloggers sharing their thoughts, experiences and perspectives on personal finance.