Stuff Good!!! Want Bad!!!

I can clearly see a correlation between my mood and how I perceive my current financial status.  I can also see a correlation between how I perceive  my ability to buy stuff and how I perceive my financial status.

I recent days, I’ve been feeling pretty good about my status.  Things are  getting better.  I mean they must be.  I was able to make a couple on-line purchases, recently all but the last of which have been received.  Stuff good!!!  Want bad!!!

This morning as I was backing out of my garage to head to work, feeling somewhat guilty about how late I was… AGAIN!!!, I had the thought pass  through my mind that “Hey!  Today is payday and I made it through with money still in the bank!  I must be getting better at this money thing!” and suddenly I felt better.

Three pertinent thoughts did not cross my mind.  1)  I happened to win $156.00 in the lottery on August 4th and that money was my “walking  around money” for the last two and a half weeks.  Good for me for not blowing through it, but still that’s money that didn’t have to come out of my pay check.  2) I only had about $80.00 still in the bank, which means if I hadn’t won the lottery money, I wouldn’t have had any money left by today.  3)  Those mail order purchases?  Those were made with a credit card.  One I’m TRYING TO PAY OFF.

I have three credit cards that I’m trying to pay off and not have hanging over me.  I got them all paid down at one point.  Not paid off, but paid down.  All three of them are maxed out again.  Damn it!

One of my many habits as a bad employee is that I make use of my internet connection and local printer in my office to pay my bills each payday, during office hours, of course.  It makes me feel good to know that I’m staying on top of my expenses and making them a priority and making sure everything is current.  I was doing pretty well for a while, though I did get a bit off track  when I went on my vacation.  So I sat down with my homemade spreadsheet to look at what my bills were and I very quickly realized that I don’t have enough to cover everything that is due right now.  By the time I pay my rent,  my car insurance is deducted from my account, I pay my therapist and I paid the bills I deemed essential, I’m left with very little money at all for things  like groceries, gas, etc.

My outing with Little has been postponed, due to a family matter that requires his family to go out of town this week-end.  I’ll touch base with his Mother early next week to set up a “date” and then the following week Sunday, we should be getting together again.  We’re encouraged to keep these outings cheap because it’s out of our pockets, and since we’re just getting to  know each other, I don’t want to set a precedent for expensive outings so I’m sure it’ll be something simple.  I’ll probably take him for ice cream and a chat the first time, maybe a walk by the estuary in Alameda.

Anyway, I started out feeling pretty good about my situation and by the time I finished paying, or should I say not paying, my bills, I was depressed.  Which brings me back to my point.  There is a clear connection, for me,  between positive outlook and financial stability.  I place entirely too much  importance on money but I really don’t know how to change that.  People need stuff! I need stuff! Often, I find myself in a situation where I have an  opportunity to purchase an item that I have been wanting and I “have the  money”.  Spending the money on the item may not be the best use of the  money but I can’t seem to see that in the moment.  I only see that I have the opportunity and the means to take advantage.  My rationale in that moment  is, “When am I going to get this opportunity again?  And I have been wanting one of these.”  So I do it.

I’ve known for a while that there’s a problem there.  I have a “negative relationship” with money.  I do.  There must be a way to separate myself from this.  There must be a way to better manage the finances from an intellectual  level without having it be a reflection on my life and my worth and have an  impact on my happiness.  There must.  I just wish I could figure out what it is.

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2 thoughts on “Stuff Good!!! Want Bad!!!

  1. In regards to the credit cards. Pay over the limit on one while paying the minimum on the other two. If you work to pay off one at a time it actually goes a lot faster.
    Been there, done that. It honestly works.
    (about right now you are probably wondering who the hell this crazy woman is giving me advice and I have no idea who she is. Sorry!!)
    Good luck with the Big Brother thing by the way. I think that is a great thing to do.

  2. Jody-
    That is good advice. I’ve heard it before, but I haven’t been following it lately. My balances on all three cards are actually relatively low and I’ve been trying to pay $100.00 on each one, each month. The problem is I end up short of cash before I get paid again and use the credit cards to get through.
    I suppose even if I just pay $100.00 on one and the minimum on the other two until they’re all paid off, I probably won’t run into the short of cash dilemma again AND can pay them off.
    And I don’t “wonder who you are” I checked out your blog after your first comment and already feel like I “know you”. You’re welcome anytime!

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