I am not a frivolous spender. I pay my bills; I buy gas; I buy discounted cheap wedding stuff...and I don't do anything. I'm a regular boring single person. However, in order to get through school at a decent pace (remembering that I had a deadline...said wedding), I was forced to take out some loans. I currently find myself quite indebted to them.
Also, last fall I plowed into the back of a Jeep and totaled my Escort. I work two jobs and maintain a long-distance relationship. Not having a car is not an option. I had two weeks with a rental car, which means I had two weeks to find a reliable, safe, smart car. I financed it, as loan payments and two weeks notice did not allow me to save up more than $2500. It really is a great car. It will last me at least 10 years and has enough room for a growing family, no added bells and whistles or anything.
So there I was, with my two financial decisions and a 1/1,000,000 chance of getting out of there alive. I found myself arguing that although I definitely advocated the debt-free, less extravagance lifestyle, I've found that a big bag of money doesn't fall out of the sky every time someone with good intentions goes through a difficult time! Alas, I have become a rule-bender!!! It wasn't black and white anymore. My fiance's "simple" decision to buy a 10-year-old clunker for a fraction of the price I paid after 4 months of research and thought was not in any way comparable to my car-buying decision.
As hard and fast as I've always thought, this nay-sayer can admit when she's been taught a lesson. And I shall try to show kindness to all rule-breakers...