Once in a while it’s good to laugh at ourselves. I wrote this piece after a friend of mine went to an electronics store on Black Friday. I hope you enjoy reading it as much as I enjoyed writing it. Looking at something from a different view point has really opened my eyes to so many of the things I do with good intentions but have a much different result than I anticipated.
Here is what a savings account may think about some of our spending habits:
Expectations of a savings account
When you turned 13 and got your first baby sitting job, you told your parents you wanted to open a savings account. That savings account was me. When you turned 16 and got your first “real” job, you started helping me grow on a pretty regularly basis. You came to see me every other Friday to give me some money to hold for you. Sometimes it was more, sometimes it was less, but I could always count on you to be there. After you got married, I had even more visits and so much more responsibility. I was a very happy savings account!
Things were very good for a long time until just a few years ago. Suddenly, something was different. You were putting less in me, less often, until you finally stopped visiting me at all. Then, out of the blue, my world was changed completely upside down. Instead of helping me grow, you started taking away from me; just a little at first, but then it started to happen more often. Pretty soon I was almost empty, and I began to fear for my life. You kept me alive with just $5, but I still feel so drained, with nothing to look forward to.
Then you started something new, and I saw a chance to be my old self again! I never work on Sundays, but because it’s the day you make all your plans to save money, it’s become my favorite day of the week. Sunday is the day you cut coupons and search all of the brightly colored advertisements for things that are on sale. It’s very time consuming, but you seem to enjoy it.
Starting with the coupons, you first write the expiration dates on each of them. This will insure that no coupon is missed or wasted. Then you start cutting them out, stacking them in “like” piles. Next, you carefully file them, by date, in your coupon storage book. From there, you carefully scrutinize the grocery ads to determine what you’re going to match the coupons up with to maximize the savings. Of course, most of the stuff has to be non-perishable items that you can store on the shelf units in your garage, but this is really exciting anyway. More savings for me!
Finally, you move on to the other types of stores to see what’s on sale. This part is fun, too. I especially like the electronic stores. There are so many ways to save lots of money! You notice that one store has HP – 20″ Widescreen Flat-Panel LCD Monitors that regularly sell for $139.99, on sale for $99.99. That lets you save about $40! So, you decided to buy two and upgrade both of your computers at the same time. After all, you would be saving $80 for two instead of only $40 for one. What a great deal! More savings for me again!
Then you noticed the computer chairs for sale. The ad said that if you bought one, you got a second one for half price. The one you liked just happened to be $159.99, which means the second one would be $80 which just happens to be the exact amount you are saving on the computer monitors. It’s like getting the second chair completely free! You are such a savvy shopper!
Now I see that you’re starting to clear the kitchen table. This means you have finished your savings plan for the week, and it’s my turn to have some fun! I get to calculate how much savings you will be able to add to the $5 I still have!
Hold on a second! This is not working out like I thought it would! If the $80 you’re going to save is just going to buy the chair, and you buy all the stuff you have coupons for, plus all the actual groceries that you don’t have coupons for, what exactly is in it for me?
The answer is obvious; nothing. Darn it. I guess you won’t have a reason to visit me this week either. Looking on the bright side, at least I’ll have another chance next Sunday; and you will have a lot of great stuff!
WANT TO USE THIS ARTICLE IN YOUR E-ZINE OR WEB SITE?
Please do! Just be sure to include this complete blurb with it:
My name is Laura Mozer Davis, and I was born over half a century ago. My life’s journey has included raising three children as a single parent while caring for my parents who both became disabled during the last 10 years of their lives. Now that my children are grown and my parents have passed into the next part of their journey, I finally have time for me to grow as a person, not as just a care-giver. What I am learning, however, is that my destiny is to always be a care-giver. When I started writing for The Daily Sisterhood blog, I realized that I was to continue my care-giving through my writing. If my words help even just one person find either solace or joy, I know my life continues to have meaning.