Cathy, Thought I'd take a stab at your spending issue. First off, you sound like you are dealing with the same type of "spender"as me.
Buy the comforter! If you can afford it and have looked at it repeatedly, you won't regret it. I finally bought a couch and love seat after having looked at it for over a year. You probably never spend money on yourself.
About the boat! About a year before the "bomb' was dropped, a banker came walking into our office. H and I worked together then. I was asked to come into the next room to sign papers. H had arranged to buy a piece of property. I knew nothing about it. I balked !! The two of them ganged up. It was a great opportunity!! It was worth more than the price! Blah, blah, blah,....
I signed, after H told me we could afford it b/c he had money from stock from his mother. I had told H before I signed we couldn't possibly afford another payment.
Seven years later, it didn't turn out well. I won't go into it. But I was the one (since H hasn't worked ) who had to make payments.
Over the years of marriage, H has always wanted something. It was up to me to show him why he couldn't have the more expensive items. It doesn't work when you have more money going out than coming in.
I realize now , today, that it isn't that I don't like to shop. I am just afraid to give myself permission to spend money on me. I have no problem buying for the kids or H.
Give yourself that permission! Enjoy that comforter.
When you can't make a decision because you are torn between your heart and your head, listen to the half with the brain.
