I’m sitting here looking at Mint. I’m not looking forward to admitting how I did this year with money. Not so good. I mean, I’m paying all the bills and everything will come even and I am investing money. I’m just not doing everything I want to be doing. I’m getting distracted. Life is very distracting.

And I’m about to hemorrhage money. Whimper.

To be clear: I am grateful that my problems are at this level. My life is really easy and lucky. I am not worried about how to pay for rent or food. I am whining about not paying my mortgage off as many years early as I would prefer. Perspective is important. No matter what my mortgage will be paid off–that’s not in question. The question is will I be able to shave seven or more years off of my fifteen year mortgage. That’s a rather tractable, attractive problem in the scheme of things.

If I fail and I only pay my mortgage off in six years because I remodeled my bathroom and went on a Disney Cruise for my tenth anniversary and went on a five month road trip with my kids and…

I can’t really get upset. I have one of the easiest possible adulthoods ever had by my species. It is really weird to understand that.

Take a deep breath and get the fuck over feeling “stressed”. Most of the people I know (including my partner) have to actually “perform” more than me. I have a very unique amount of freedom.

There are almost zero “shoulds” in my life. I do what I want when I want. I have enough money to eat what I want when I want it. I live in one of the most wonderfully diverse places on earth for food. And I have enough money to eat out many times a week. That is luck I could not imagine as a child.

I’m thinking about that because I’m looking at money and realizing I should try to uhhh not be so expansive for the next few months. If I manage to reign things in then everything will balance out and I’ll hit my basic savings goals for the year. Right now I’m very behind. I’m basically a full month of pay behind where I want to be on saving. That’s bad heading into the last quarter. Given what I wish I was putting into the mortgage I’m actually closer to two full months of income behind on where I want to be for saving.

I feel like I have been very bad.

I feel like I want to be very conservative with money for the next few months. I feel like I could just about make up where I wish I was. But it would mean cutting driving down to nearly nothing. It would mean eating a lot more beans.

I feel like I should have a conversation with the family tonight at dinner. I don’t think I should make this decision for everyone.