I’ll admit it. I’m the kind of person that feels like they need to buy something from a salesperson simply because they have spent time “helping” you.
I think this is called being a people pleaser. My husband calls it shopoholic. Regardless, it’s hard for me to say no.
But this week, I found the PERFECT out: Dave Says.
Case in point: I went in to a shop to get a new watch battery (with no intention to buy anything else), and they had little Easter eggs on the counter with prize coupons inside each one. I got one that said “buy one ring, get one free” on those little rubber Qalo-type wedding rings. Sure, it was only $17.99, but it wasn’t in the budget!
And here goes the circular conversation with the nice sales lady about the good deal and you save 50%. And the voice inside my head (it’s my dad’s voice, for the record) that tells me you save 100% if you don’t buy it.
But I feel weird, and to be honest, prideful about saying “I don’t have the money,” and this is where I usually fall into temptation.
Instead, THIS time, after persistent attempts, I said “oh, I really can’t, I’m taking that Dave Ramsey class.” (Okay, I finished the class last Fall, but I’m still abiding by the rules!) She asked about it, and then her coworker chimed in and talked about how important it was to stick to the budget. And I escaped. Budget intact.
One of the biggest realizations I took out of the Financial Peace University class is that there is a difference between the mentality of being broke and the mentality of being on a budget. Being “broke” is how we lived a lot over the last several years. We were trying so hard to put every extra dollar towards paying off debt, we rarely felt anything but “broke.” Like we were missing out on all the things we wanted. Even when we first finished the Dave classes, my husband and I were sad about the “meager” Christmas we would be having to stave off debt. We felt sad that we “couldn’t” do this or buy that. It changed everything when I changed my mentality to affirm to myself that yes, I could buy those things, but I shouldn’t. And not buying them wasn’t about being or feeling poor, it was about being smart. It wasn’t about denying myself of all my wants, it was about putting the choice to get rid of debt at the top of my “want” list.
Note: I put all those words in quotes because they weren’t reality. They were just my perception of it.
The reality is that if you are budgeting, you are being smart. And being and feeling smart about money is the difference between embarrassment and empowerment.
So the next time you walk out of a store empty handed, or feel pressured by a salesperson, be PROUD of yourself. And remember, Dave Says.