Back on October 29th, I wrote, “Oh and as of yesterday, we’re officially in Mercury Retrograde. I need to watch my tongue and my attitude, my spending habits, and my tendency to overshare during Mercury retrograde. Pay attention, zept!!!”
Well, I failed in the spending habits department and my tendency to overshare department.
Mercury went direct yesterday, and we happened to be out wine tasting. I spent $126.79 while we were out.
That was uh, my grocery money.
I have $416 until payday this coming Friday the 24th. Doing a quick budget analysis based on money I expect to receive this payday, and then minusing out all my bills and groceries, I’ll have about $266 left to my name until payday on December 8th.
And I need two week’s worth of pay to live on in January for when I will be out of work after surgery. That means I should be saving $253 per paycheck. And I already missed one payment of $253 to myself. So I owe myself $506.
Note that I said I’ll have about $266 left to my name after my bills are paid from this Friday’s paycheck.
Oh and there’s also the rest of my debt - I owe my boyfriend and my dad money that isn’t there to pay back.
Now, mind you, the weekend spending spree isn’t the issue. After my first paycheck from the new job, I count TEN INSTANCES where I ate out or otherwise spent my money on non-essentials, totaling $193.14.
After the second paycheck from the new job, I count FOUR INSTANCES where I ate out or otherwise spent my money on non-essentials, totaling $184.95.
That’s $378.09 that could have been applied to paying down my debt.
This can’t be blamed on Mercury being Retrograde or going Direct.
This is me. I have a problem managing my money. I’ve known for awhile that I suck when it comes to managing my money. I think that if I had someone manage my money for me, and only give me an allowance every week, then I’d be okay, because let’s get real, I’m thirty-five years old and I still spend my money like a kid in a candy store every week when I end up with money in the bank. I have all these elaborate spreadsheets noting what needs to be spent and where and on what schedules. And then I go shopping or I eat grocery store-made sushi for lunch at a cost of $14.
This has to stop. I’ve been saying it has to stop for years. And yet I never stop it. I don’t know how.
I own and have read the following books TWICE: Your Money or Your Life: Transforming Your Relationship with Money and Achieving Financial Independence, by Joe Dominguez, and How to Survive Without a Salary, by Charles Long.
And I tried to get through a quarter of the book Debt-Proof Living: The Complete Guide to Living Financially Free, by Mary Hunt.
I found the book too Christian and couldn’t get past that bent so took the formula “Save 10% of each paycheck” and tried to adhere to that for awhile.
All of these financial management books were recommended to me by friends.
I failed again, however.
Re-reading a book doesn’t help. Nodding to advice doesn’t help. Joining an “overspenders anonymous” type group won’t help because they are 12-step programs, which are Christian-based.
This is more proof that I cannot take care of myself - I need someone to look after me.
During my breakdown last week, I told my boyfriend that since Social Security won’t be there for us by 2041 anyway, I might as well tap into what I’ve got now and have the state take care of me, since I appear unable to care for myself.
But to hand myself over to the state means I have to prove repeatedly that I’m sick. Which means I have to get a chemical lobotomy in the form of psych drugs and live in a nice state-run(down) facility.
I think I’d rather be like the Reagan-era mental patients, and just be put out into the streets.
So, hoping to not come to that, I ask again, what is left for me to do - how can I learn to take care of myself when I’ve not learned this by age thirty-five?
Is that what it means in the traditional sense of being married in my mom’s day and in my grandmothers’ day? That some strong man will come along and take care of me? In this day and age, there’s no excuse for such behaviour. There’s no room for that. Couples are equals, not master and subbordinate.
But what of those of us who are mentally instable and in a relationship?
It’s not fair to the partner to have to take on a parental role.
Round and round my thoughts will go on this subject today.