Have you ever had a financial goal, where you needed to save some money and not touch it? Did you struggle with not using it for something else? Or did it actually become untouchable, until you had the full amount in place. What kept you from spending your then secret stash for important stuff?
As you know, I’ve been attempting to save money for breast enhancement and facial feminization surgery. I currently have several places where the funds I plan to use are untouchable. The most safe one is my GoFundMe webpage. I cannot use those funds until I have an checking account set up with my preferred name on it, not just my current legal one. But there is one drawback; they will take 3% for me using the site. Split between the service that transfers the funds and the actual GoFundMe website.
I also have a couple of other area that I am setting aside funds for these surgeries. Chase points; These are semi untouchable. Meaning that I cannot touch the point until they hit at least 2000 points, convertible into $20. Right now Chase is offering 5% points for gas expense’s, so it’s kind of hard to not to go for free points/cash, and run gas through the car. But with the way May/June were financially, it’s kind of hard not to want to convert the points to a cash statement credit to help lower the CC balance, seeing they all got maxed out.
The one area that definitely has touchable funds are a dime jar, and a rolled coin and cash lock box in my closet. While the cash lock box is out of sight, out of mind, it’s still there in the memory, knowing that I could access the funds for an emergency. Or to just pay down/off a credit card balance/payment. The loose dime jar; it sits on my desk, as the balance slowly rises.
It’s tough knowing you could take the usable funds to help get out of debt faster, but it also means you prolong the date of your surgeries. But there is a quiet blessing knowing that the $51 in my GoFundMe account are safe and virtually untouchable, until I’m ready to pay for the surgery.