After nearly seven years of living strictly within this budget, the Sappers have accumulated $50,000 in emergency savings, maxed out their IRAs each year, paid off their house and hit other key financial milestones.
I realize there are plenty of times that you’d be more than happy to go to the salon and leave the work to somebody else, but it requires more bank than you have to spend. There are ways to meet in the middle.
I felt like I “deserved” a vacation: The thought of hanging back in the city, alone, while my friends frolicked on the beach had triggered my FOMO, or Fear of Missing Out, thus overpowering the logic that I should simply have said, “No, thanks.”
Making rent each month meant planning every expense down to the cent and food was one of the only things that wasn't a fixed cost. So increasingly I found myself cutting it out of my budget, and just not organizing to have something to eat every day.