Today is the third edition of Whatever Wednesday, and I’m starting to think this is the best idea I’ve ever had for this blog. Not only do I get to hear what you guys are thinking about, but I also feel like it makes the blog much more interactive. And it seems like you guys like it too, because I’m getting more and more participation every week.

Keep the topics coming!

Now onto what you want to talk about this week:

Whatever Wednesday Venomous DucksSpending Therapy

How many times have you heard this inside your head?

I’ve worked my freaking tail off and dangit I deserve [insert something that costs money]

I probably say this to myself at least once a week. It’s how I usually justify going out to eat or running out and grabbing dessert. And I’ll be honest: it does make me feel better. Not that I’m really “sad” in the first place, but it’s nice to reward myself for a job well done.

I don’t think there’s a problem with buying yourself some dessert (or a pair of shoes, or some golf balls, or whatever floats your boat) as long as it doesn’t become a daily habit and you can afford it.

Those are my personal rules for what I call “spending therapy”. First and foremost, you need to determine if you can afford it. If you have high interest debt or you aren’t saving money for retirement, then you can’t afford it. If you are spending less than you earn and have debt under control, then you’re good with the occasional reward.

It’s also important that this be done in moderation. If you’re buying something every single day to make yourself feel better, I suggest saving up that money and seeing a therapist.

Venomous Ducks

Andrea wanted me to talk about venomous ducks. The suggestion came in jest, as Andrea thought the idea of a venomous duck would be absurd. Little did she know that a platypus has venom in its feet. According to wikipedia:

Although powerful enough to kill smaller animals such as dogs, the venom is not lethal to humans, but is so excruciating that the victim may be incapacitated.

venomous platypus

photo credit: flickr.com/aidanwojtas/

THAT’S FREAKING AWESOME!!! It’s like the platypus has a special superpower! Maybe early platipuses were bit by radioactive venomous spiders…

Of course I do realize that a platypus is not a duck, but it looks strikingly similar to the duck family. If you don’t learn anything about money today, hopefully you at least learned something about a platypus (unless you already knew about their super power).

Staying Financially Motivated

Keep your goal in mind. You should have a very realistic and attainable goal that you are working towards. If you hit a plateau and stop making progress towards that goal, you have to start telling yourself the consequences. Maybe you’ll be living in a homeless shelter when you retire. Maybe you’ll be eating Ramen Noodles for the rest of your life. Maybe your vacation to Italy will have to be changed to a fancy dinner at Fazoli’s.

Think about how crappy it would be to not meet your goals, and then figure out a way to either make more money or spend less.

BCS, Beer, and Boobs

BCS: Already wrote about it here

Beer: Don’t like it

Boobs: Like them very much

Expensive Weddings

This may surprise you, but I’m not going to rant about expensive weddings. If you want a huge wedding more than anything in the world, then find a way to pay for it and get it done. Hopefully you only get married once, and you will definitely remember that day for the rest of your life. Make it as special as you want (or can afford).

The key is to make sure that you can actually afford it, and then spend your money wisely. If you want to release doves when the bride enters the church, great! Find out how expensive it will be and then decide if it’s worth it.

Personally I plan to make my theoretical future wedding memorable by doing something like this:

Remember: if you want to tell me what to do, just make sure to follow me on twitter and facebook and tell me next Tuesday! The more interesting the topic, the better!