We paid CASH. Cold hard cash. Well, actually it wasn’t cold or hard, it was rather papery and room temperature. But it was CASH. No credit, no loan from the bank, but CASH. Cash we had saved and counted, and saved and counted, and saved and counted some more. Like a kid with their piggy bank, I’d count through that slowly growing pile of cash, just to make sure I’d counted right. And finally the day came that there was enough. Enough to pay for our central a/c unit.
There is just no way to completely describe how it felt to pay cash for a high dollar item. Cash that we had accumulated ourselves over a 2 year period, carefully stashing it away, so we could pay for it upfront instead of borrowing or using credit. I dislike using credit cards. There are times I can’t get around it, but I cut mine up over 2 years ago and I’ve never missed it. I should have done it years ago. My hubby still has one for the things we have to use one for, things we don’t want to use a debit card for, but it’s not riding around in my purse and it’s not at my fingertips to use when I see a ‘great deal’ that I just can’t pass up.
So we paid cash. If you have done the same you know what I mean about the almost giddy feeling it creates. Just knowing it is paid for and there won’t be a monthly payment is so freeing and liberating. I don’t like those monthly bills very well. Some we’ll always have of course, as long as we want electric and running water and internet and phones. But the mortgage and credit lines and credit card bills don’t have to be. Debt free has such a sweet ring to it.
I had a bit of fun playing with the money before we paid the guy who installed our a/c unit. I’ve never had that many $100 bills before! And it was fun to compare the different styles of money represented in our stash.
Seeing this monster of a machine sitting outside my house was such a dream-come-true. If you are raising your eyebrows in disbelief or shaking your head of such a silly dream then I can assure you that you have never lived for 15+ years, in a house that is approaching 150 years old that had no insulation, no a/c, and very little heat.
The duct work (and insulation) was a work-in-progress project that spanned several years. My husband put in some of it as we would gut and redo a room. When we did our living room/bathroom/bedroom remodel we hired a company to come in and get about half the houses ducts put in.
The fall of 2012 we were finally ready to have the rest of the ducts installed and get a furnace working in this place. 6,000+ to do that. Another 4,000+ for the a/c. We didn’t have 10,000 just laying around. So we went to the bank. No problem getting a secondary loan. But we only financed the furnace. We just couldn’t bring ourselves to borrow that much more money. I suggested that we try to save the additional 4,000+ and have the a/c installed the following Spring.
Due to a nice tax refund and some other saving we had done we did indeed have the money saved by the Spring of 2013. But then we received a letter from the Village. Did you know that when you live in town you are responsible for paying for the sidewalks in front of your house when they need replaced or repaired?? Well at least here in Ohio you are. Now in all fairness, we did know this. And we were well aware that our walk in front needed replaced. It needed it badly! But that wasn’t what I had saved all that cash for! Still, the letter said if we didn’t have it replaced by May 1st the Village would have their contractor do it and we would get a bill. We didn’t want them doing it, we wanted to pick our own contractor. So we did. And we paid cash for that. And we were very thankful that we had the cash to pay for it. It took roughly half our cash stash.
And we tried very hard to be thankful for that lovely new front walk as we cleaned and installed 3 window units once again. We made it – the summer wasn’t terribly hot, and turning the heat on again in the fall was so lovely.
We slowly added to our cash stash here and there, and when tax time rolled around again that sealed the deal. We now had enough cash to pay for our a/c unit. Instead of hiring the heating and air company again we went through a private contractor we found through a cousin of mine. We saved a lot by doing this and my husband ran the wiring needed and helped out where he could. It went very smoothly, it was a very satisfying experience, and WE PAID CASH!!!
Can I say it one more time? WE PAID CASH! If you’ve never saved for a high dollar item till you had the cash to pay for it I recommend you try it on the next big purchase you need to make if you can. It is very fulfilling and satisfying. The smug smile on your face will fell so good
Playing with the money before you hand it over is optional but it is rather fun and satisfying too!
And if you need an a/c guy let me know and I’ll get you a name and number.
Have a wonderful day and go pay cash for something!
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