It’s the root of all evil, of spite and upheaval
Friday, April 28th, 2006I’ve tried, with a laudable degree of effort, to budget properly this last year or so. But when I crunch the numbers, I still come out victor-less in the end, which in turn makes me wroth.
I wasn’t meant to be poor or to have to worry about money. And someone who makes what I make shouldn’t be in the red so often. But a combination of viable long-term expenses, flippant financial choices, and a dash of bad luck have parked my butt in a manageable, but mucky, rut of debt.
I could blame the credit cards for bewitching me into a Paris Hilton-like state of blissful euphoria, wherein the world was my oyster and money was no object for the month before I maxed out the card. But I have only myself to blame, and have decided to take the hard line:
1. The only way is the Safeway
For some reason, the extra 30-40 minutes to stop off at Safeway has been anathema to my after-work schedule. I don’t know why. “Golden Girls” will be on again tomorrow and thenceforth evermore, even if I don’t make it home in time to catch it today. Why not take the time to partake of Safeway’s multitudinous two-for-one specials and save myself from paying double at the corner store?
2. I pledge allegiance to the funds that are available in my account today
The overdraft limit on your bank account can prove a tempting cookie jar to pilfer from. But when you factor in the fees and the fact that you’re basically borrowing against your future (not to mention having to receive those daft notices they mail you—yeah, like I couldn’t already smell the shithole I was in, dillwads!), you really begin to feel guilty at having robbed your future self. No more prolonged visits to Negative Balance Land for me.
3. Enemy, thy name is Payroll Advance
I’ve dabbled in these demons of the financial lending industry for longer than I care to admit, coasting by on just paying the interest fee instead of the full balance plus. Again, another monetary misjudgment that has cost me, but that will soon be stopped up short.
Ultimately, I just need to eat if for the month of May, and not have too much fun. Pride is coming up in June anyways, so best to conserve all resources monetary and mirth-wise. I was kind of hoping our company’s annual bonus later this year would kind of help me catch up, but the light on that star is a bit wanting for wattage, so I’m holing up for a harsh winter.
Still, I’m open to any get rich quick schemes that don’t completely rob me of my sense of self-shame, so keep those ideas comin’, kids!