Monday, September 14, 2009

Finances and the Single Girl

It is a known fact that I do not really like being single. It gets lonely and I don't get to have sex nearly as often as I'd like. But that's beside the point. This is a finance blog. Here are the ups and downs of my wild bachelorette lifestyle.

Let's start with the good...

I'm only responsible for myself. I don't have some trashy boyfriend pissing away my savings or an annoying husband trying to share one of my three retirement accounts. I don't have to worry about taking care of someone if they get sick or hurt, or bailing someone out of debt. Just me. And Darby, but he's easy.

I have more time to work.Because I have no one to report home to, I am able to spend these years of my life working two jobs to save a little extra. I enjoy both of my jobs, so I don't see it as a time loss at all. Sometimes I wonder what will happen when I am married and have kids and don't have time to babysit. Will I miss that money? Yes.

I always have leftovers.With only one person to feed, I always have enough dinner left over for the next day's lunch, sometimes even for two meals.

I am able to focus on my own financial goals.Of course I will still have financial goals when I am no longer single (if that ever happens), but now is a great time to be able to focus that much more. I feel like I can be more efficient at this point without the distraction of a really hot boyfriend (I mean, um, normal looking partner.)

The Bad...

My mortgage is really expensive.Sometimes I think of how nice life would be if I only had to pay half a mortgage. Or all my married coworkers who are buying big houses together. If I were half of a couple-y unit, I too could have a bigger space and a cheaper mortgage. I also would require less social interactions, so maybe I could save even more by moving out of the city a little bit. Of course I am thankful for what I have, and wouldn't trade it for a freeloading boyfriend at this point, but sometimes i get a little jealous of the people who only pay half of what I am paying for housing.

Less total income.If I were part of a couple, we would be making more money total (hopefully) and spending less on bills (for example, I would only have to pay half an internet bill, half an electric bill, etc.) Now, I'm sure me and my super-hot man friend could find a way to spend this money that we were saving, like for example on cable so we could sit around and grow fat together. But generally having that much more money would be nice.

Security.If I lost my job, I would have someone to help me out. Not that I don't already. It just might be easier to ask my hot boyfriend for help for a little bit than asking my family and friends.

In general, I am quite happy with my situation. Many people in my position might feel like they couldn't do some of the things that I have done financially. But I have, and on the income of a preschool teacher/social worker. Not bad. Financially, I don't really feel all that deprived at all. Now it's time to work on the loneliness and lack of sex part.

No comments: