I have heard that if you hold on to things you don’t have a use for now, but think the day may come when you will, you are living in the future and living in the future is living in fear that the universe won’t provide what you need at that moment.
I thought I was doing really well now that my boys are grown letting go of the “what-ifs” and “living for tomorrow”. If you have been the sole bread winner in your family you know the stress you can put on yourself fearing that something may happen to your job and you would let your family down. I no longer stress about tomorrow. I have enough for my needs, I have enough to eat and have no debt. Then I realized I do something out of habit that comes directly from living for the future.
I don’t own my own home, and if you checked out my page of photos of my apartment you know I own very little “big” things. You also know that I only paid for one large item, currently in my home. The total of that item was $320.
Yet, every month like clockwork I set aside the money for my rental insurance. Why do I do this? I am giving $200 a year to an insurance company on the off chance that I will lose every thing again. I do know that if I owned my home I wouldn’t have an option it would be required that I carry homeowner’s insurance. But renter’s insurance only covers my belongings, not the building or anything that happens on the property.
Many of you have read the story of our house fire where we did lose just about everything but ourselves and the clothes on our backs, well not even that as my son ran out without his shoes. If you haven’t you can read it here.
What I learned was that people are giving. They have things they really don’t need and will gladly pass them on. By the time we moved into our new home we had furniture, beds, a fully functioning kitchen with more utensils and appliances than we ever needed. We even ended up with two complete kitchen tables with chairs! All free.
So if I lost everything I have today, I trust that things would work out. All I need is a roof over my head with a working bathroom, a place to sit and sleep (could be the same piece of furniture). For $10 I could buy enough clothes for myself. My son, the computer geek he is wouldn’t be able to picture a day without a computer and would put one together for me with parts he has lying around.
So why do I pay insurance? It’s not required, it’s habit, something I was taught to do from young on. But taking another look at it, that $200 a year I pay for my insurance would be more than enough to buy everything I needed to get by.
I’ve made a decision. I am canceling the renter’s insurance and pocketing that money each month. The only thing I could lose that means anything would be family pictures and those can’t be replaced.
Are you still living for tomorrow?