Posted on September 11 2016
I hate money. I mean, I love it, I get awesome things with it, but I hate it all the same.
No matter how much we seem to have, it disappears quicker than my daughter when I tell her to clean her room.
Bills, fees, food (aargh FOOD), school shoes. Birthday presents, cars. Did I mention food?
We seem to spend a RIDICULOUS amount of money per week on food. No matter how much I meal plan, write lists and try to be organised, I can never seem to set a budget and stick to it.
My bank statement looks a little like this:
1/9 Woolworths Laurimar $219.50
2/9 Woolworths Laurimar $25.34
3/9 Woolworths Laurimar $12.10
3/9 Woolworths Laurimar $9.20
4/9 Woolworths Laurimar $17.21
4/9 Bakers Delight $8.20
5/9 Woolworths Laurimar $23.98
6/9 McDonalds Doreen $48.90
7/9 Starfish Seafood Whittlesea $42.50
You get my drift. You see what I'm doing there. I'm a completely ineffective and incompetent shopper. With absolutely no restraint or willpower.
The first amount is my 'weekly' shop. This is where I get all my school snacks, fruit, veggies etc. I try to buy stuff that we can have for tea. I almost always fail miserably at that.
The subsequent amounts are the daily trips for the things I have forgotten and need but don't really need. The last two are when I can't be effed cooking, so I tell myself I deserve a break. Meanwhile I've dropped a hundred bucks on sh*t greasy food that makes my body heavy and my wallet light.
I wish I was more frugal. More of a saver. An organised, monetary genius that can budget for my family of five, feed them, provide for them, and have money left over for luxurious family holidays, but I'm not. I'm seriously f*cking it up, and I need help.
I'm not always a flippant spender, in fact the more I have I'm less inclined to spend it. If I have a few grand sitting there, I don't want to touch it. I want to nurture it, watch it grow like a plant. I want to keep it there for emergencies, like rego.
BUT - if that amount does happen to dwindle, I'm like, well bugger it, it's going anyway, may as well buy something. If I have $40 bucks left in my account and I'm in Kmart, I'm going to spend $39.95 on stuff, because why the hell shouldn't I.
I know that makes no sense. I know that it's irresponsible. My relationship with money is one that needs some serious therapy.
I'm bad at paying bills on time. Even though I pay them weekly by direct debit, they almost always seem to be more than what I pay. I get reminder notices in the mail. I don't open them. I stuff them under the seat of my car or throw them straight in the coonara. I do eventually pay them. I'm not a criminal, but I don't like the glaring, paper reminder of debt.
As much as I like to have nice things, I'm not a 'brand' person. I don't care if my shoes are Converse or Kmart. I don't give a toss if my bag is leather or pleather. Come to my house for tea, your tomato sauce will be Homebrand, as will your peas.
I refuse to 'Keep up with the Joneses' when it comes to stuff. My house is old, my car is old, I don't feel the need to have 'stuff' because everyone else does. I don't care what everyone else does, if that makes you happy, that's grouse! Good for you! But how the bloody hell do you afford it?
I'm not wasting our money on luxuries. I'm literally existing on it. My husband earns good money. Obviously I'm not going to tell you how much, but it's good. Enough that I don't really need to work. It's too much to get any Centrelink, but not enough to be financially free. Well it probably is actually, but I'm doing it wrong.
Maybe me working is the difference between a holiday on the beaches of Torquay v the beaches of Fiji. Is Fiji going to make me happier than Torquay? I don't think so. I don't know because I've never done it. I suspect in my case, that my habits are psychological rather than environmental. That even if I did have an endless supply of cash, that I wouldn't really change a thing. I love Torquay.
I dunno, I just don't know. Once again I've written a rambling, incoherent post that you are probably finding hard to follow. I apologise for that, but my frustration is real.
What I would like to hear from you dear friends, is how you do it. Tell me your systems. How you prioritise your funds. What you do with your spare money - if there even is such a thing. I understand that we are living amongst a vastly different socioeconomic society. I know some of my friends have sh*tloads of money, some don't have much at all. I want to hear from you. How do you manage? Do you live on credit? Concentrate on having fun and creating memories and worry about paying it back later?Do you just make ends meet every week and then gear up for the next week and pay for what you must?
I really want to know! Help a sister out!
Claire X
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This is my testimony about the good work of priest wisdom who helped me … I’m Ann Earnis from North Carolina USA. And am sorry for putting this on net but i will have to, by this world best spell caster that brought back my husband who left me out for past 3 years, i eventually met this man on a blog site posting by one of is client for help, i explained everything to him and he told me about a spell caster that he had heard about and he gave me an email address to write to the spell caster to tell him my problems. In just 1 days, my husband was back to me. I just want to say thank you to this truthful and sincere spell caster, sir all you told me have come to pass and thank you sir. Please I want to tell everyone who is looking for any solution to their problem, I advise you to kindly consult this spell caster, he is real,he is powerful and whatever the spell caster tells is what will happen, because all what the spell caster told me came to pass. You can kindly contact him on: his email address is supernaturalspell0@gmail.com or directly on whats-app/Telegram +2348124644470 https://supernaturalspell21.blogspot.com/ facebook page: https://web.facebook.com/PRIESTWISDOM11 ..