Apparently there is nothing as enticing as easy money. Even though I swear I’ve been working hard to pay off my debt, staying relentlessly practical in turning down dinners, partying and unnecessary stuff, I still have a wandering eye. I make some side income with an eBay business and consulting, and every time I make a quick $100 I think, “Man! That was easy. I should just replicate that 180 times in the next 30 days and I’ll be debt free!” Then I have a short-lived fantasy and think about immediately buying a hot tub. Silly, I know. But still, extra money is always helpful. It seems like it disappears so quickly because you never really expected in the first place. Even if you put it all into savings or an IRA, it’s allocated and gone.
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As for me, I would give myself $100 fun money and take my brand new fiance somewhere fun, like go-karts or indoor sky-diving or a day-trip to Catalina. The rest would go somewhere practical.
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