The Ten Dollar Sandwich

UnknownThursday I went to work without the typical leftovers from the night before for lunch. We had a small dinner the night before and this left me in a situation where I would be going out for lunch. I ended up at the Firehouse Sandwich Shop and ordered a meatball sandwich. As I handed the girl at the counter a 10 dollar bill to pay for a sandwich that cost me $9.50 she had to tug a few times to get it out of the grasp of my fingers.

As flashes of numbers ran through my head of the balance I still owe on our mortgage I found it difficult to allow that money to leave my hands. Each and every time we allow money to flow from us, it is less that we have at the end of the month to contribute to our mission of getting out of debt. I know it’s only a ten dollar bill, but how many of these do we allow to float away.

It’s not only cash though, I find myself doing this when I make a purchase online or use a debit card. I have become very mindful about my spending habits as each day I grow closer to full blown retirement.

One of my greatest fears is lack of security in my golden years. I see it happen to so many around me and I like to believe that while I still have control over my income and outcome I tend to be very frugal.

I have always believed in self responsibility and even the thought of allowing a few dollars to slip away can make me a bit edgy. I have found that it is usually not the big expenses, but the small one’s that we create each day that drive our savings potential down. The cups of coffee, lunch out or the mid day snack. Controlling the small things makes it easier to manage the large ones.

I have also come to terms with and understand that each day that I go to work I am trading my life’s energy for a monetary value. By choosing what I spend money on I am also making the decision as to what I am willing to exchange for my life’s energy. The interest we pay on our debts is money that is just thrown in the fire to burn away and never be seen again. It is the exchange of my life’s energy to be turned over to support the living expenses of a wealthy banker or investor.

Everyone complains about the 1% of the wealthiest of our population but what they don’t understand is that the 1% exist only because we support them. I will make every effort to rid my life of paying any kind of interest and start building my own security blanket that will provide for a safe and secure future.

Too many people feel that they are entitled. Entitled to have a cell phone, or cable TV, to eat out at their favorite restaurants or purchase the next best gadget on the market. They believe that they are entitled to drive a nice car or live in a nice home. But entitled by who? Is it actually worth trading your life’s energy to attain these things? It is you and only you who is at the helm and steering this thing we call life. It took so many years for me to completely figure this out and have made so many mistakes along the way.

The same ten dollars spent on a sandwich is the same ten dollars that could be placed elsewhere that will drive your ship safely into port.
Blood Sugar-83, Weight- 190.6
With both blood sugar and body weight reduced I will follow up this morning with 30 minutes on the treadmill. The seasons are changing slightly as the days are brighter, my appetite is reduced and my energy levels are higher.

About SimpleLivingOver50

At 53 years old I am starting to realize how life changes both physically and emotionally. I strive for a life of simplicity. I am winning the battle with type II diabetes, created a plan to have all debt paid off in 4 years including the house, taking advantage of every opportunity to live life to it's fullest through adventures in nature, hiking, biking, loving and learning.
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23 Responses to The Ten Dollar Sandwich

  1. I really like your approach towards life.

  2. Having recently taken a long hard look at our expenses, I can feel your pain about letting go of the $10 bill!

  3. I really relate. I have high bills to pay down for the off grid trailer, so I hate to even buy something I need. The way they have poisoned the food supply w/ GMOs, not at all tempting to buy at any restaurant, but still sometimes I long for a meal out-not worth it. I have of course had to cut out all extras, to help save. Knowing how much there is to pay reduces the desire to purchase and even the things I need become a tug of war. Well I needed my home and I am just at the first step of WIP and there is not getting there if sidetracked by unnecessary spending or even necessary spending, if I can find another way.

    • webbermd says:

      I actually dread eating out anymore due to the processed foods restaurants are selling. I can’t really blame the restaurants too much that compromise the food quality to keep their prices low, but it seems like the food has no taste because of all the low cost fillers being added. I love a good subway style sandwich, but I can’t taste the difference between turkey and ham anymore, unless I find a place using top grade meat and pay the 10 dollars or more for the sandwich, but I can make better at home for less.

    • I get it, each extra payment I make is another one closer to freedom.

  4. webbermd says:

    My wife and I spent years snowballing our debt payments. When one student loan was paid for we would celebrate, then we would use the freed up money to pay extra on the next student loan payment and so on. It took 15 years, but we did it. When we sold our house, we looked across the country for affordable land with low property taxes and invested the sale of our home into out off-grid home. We are debt free, but still use temperance in our spending habits. And sometimes, we reward ourselves when we have the cash because we can.

    • We have done pretty much the same other than our home mortgage which I am currently paying down. It is the last piece in the debt puzzle and time can’t pass quickly enough to get it paid off.

      • webbermd says:

        Since I never make much as a teacher, we had to sell our house to jump the mortgage hurdle. There are times I deeply miss our house on the Oregon Coast. But, this place is beginning to feel more permanent as we finish each project.

      • Are you still in Oregon?

      • webbermd says:

        Nope, we sold our home and moved to N. Idaho. The property taxes are much cheaper here. Went from over $3,000 in property tax for a lot smaller than a quarter of an acre on a cliff to $800 a year for ten usable acres, which also includes almost unlimited access to the county dump.

      • Outstanding! There are so many benefits to moving to the American Redoubt. I have been considering picking up a piece of land there but have yet to make the move.

      • webbermd says:

        The cost of living is lower here, but Idaho is stuck at the federal minimum wage, which also keeps our cost of living lower. If you like snow and reasonable prices, N. Idaho may be for you. West Montana is liked by many because Montana also does not have a sales tax, like Oregon. Wyoming is wealthy in natural gas and oil and there are some beautiful places there, but they are out there. N. Idaho was our pick because of the beautiful lakes, forests, and skiing.

    • Congratulations! Glad to have found your blog! We, too, are Idaho folks! Hubs family is from east of Clark Fork! Love reading your story!

  5. Dee says:

    Great commentary! I often wonder when I see coworkers spending a minimum of $20/day on lunch, Starbucks before & during – and cannot fathom the amount of money they’re simply throwing away each week. I often see them use credit cards to pay for lunch and think about how much it’s “really” going to cost once interest is compounded etc.

  6. Living In Denim says:

    I too wonder if those who complain about the 1% ever consider how it’s their actions that create the wealth of that 1%. It takes time to consider where not to put your money and how to meet your needs if you choose not to give to those you feel are treating other with a lack of respect to line their pockets further.

    As for the $10 sandwich. I think those who do it day in and day out find it much easier because it’s what they have become accustomed to.

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