There was a time when I cared about these things we tend to call holy grails of personal finance.  You know, obsessing about checking your credit score, buying a home – the things that cause you to rack your brain at night if you’re one these personal finance types who cares about these things.

I stopped caring a long time ago because in the grand scheme of things they don’t affect how I sleep at night.  At one time yes, but these days?  No.

Car Insurance

There was a time when I cared about how a speeding ticket would impact my car insurance rate.  When pulled over I would immediately go into a long diatribe with the officer about how this would affect my insurance rate.  Those were the days.  But now it doesn’t really matter as much to me.  Any tickets I’ve gotten have not impacted my insurance rate as they’ve gone down for each year.  I pay around $60 per month.  Even during the years when I was more a speed demon than I care to share here.  Now, I’m just more careful for practical reasons like staying safe.

Credit Score/Checking My Credit Score

I used to obsess around checking my credit score.  So much so that I was getting new scores every 2-3 months.  Now that I use cash for pretty much everything that doesn’t matter so much any more.   Losing sleep about it isn’t something I plan on doing again.

Buying a Home And Living The American Dream

Been there, done that and had the underwater t-shirt to show for it.    Property taxes, maintenance, HOA fees etc- all things you pay just to get the mortgage interest deduction.  In my mind you’re paying so much to “save on taxes”.  I’m not particularly convinced at this point.  I just don’t believe in the good ole American Dream which tells us that you have to buy a house in order to live it.  The American Dream is individual to each person.  So the premise that buying a home is a must have – well, given the economic bust, you can see how that may not be true for many anymore.

Carrying Huge Debt

Being ashamed of being in debt. Let that go, because your creditors need their money and they aren’t losing sleep. If you have a plan to get out of debt,  please don’t lose sleep about it any time soon.  Learn the lesson and make better decisions moving forward.

Coupon Clipping/Extreme Couponing

This is a waste of time for me.  Time=Money and I refuse to spend hours clipping coupons to save a few cents while buying crap I don’t need again in the name of “I bought 23 tooth brushes for $2.60!”  Who needs 23 tooth brushes?

What do I care about?

  • Having An Emergency
  • Paying down debt
  • Making more money

These are the things that matter to me and allow me to sleep better at night.

What are your financial holy grails keeping you up at night?