The financial idiot

Standard

Remember the good old blogging days? When we all posted frequently, and could easily comment on one another’s posts? Those were some good times. But now, with all the elaborate word verification captchas, incompatabilities between WordPress and Blogger and everyone getting busy with life (what? Real life? What’s that?!), the blogging activity is falling by the wayside.

I still like it, though. I still check blogs that have not been updated in a year, just in case. I blog on my other blog. I blog here. Sure, it’s not as big a part of my life as it once was, but that’s fine. Things shift around and change. It’s OK.

So, I came here today to share my weird shame regarding my bank accounts. It’s just maddening to me that a grown woman with lots of responsibilities and a decent sized paycheck still manages to struggle each month to make ends meet. Especially months with holidays or trips. Dear GOD. I am without an effective budget right now, because I can’t seem to get ahead to the point where things are able to BE budgeted.

Right now, I am down to $44 in my checking account. And $21 in my savings.

That’s IT. That’s what I have to work with until I get paid on Friday.

The only reason I have $44 in checking is because I transferred a whopping $15 over this morning so I could buy some gas for the car this week. I want to get $10 worth.

This is so stupid and shameful. I don’t know how things got so out of control, but ALL of my money goes to paying bills and buying food/gas. The three basics. Every time I spend money on something fun, I wind up short. October it was Halloween and the trip to LA that did me in. November, it was the trip to NJ and then some money I threw in for Thanksgiving dinner stuff. Now this month, it’s friggin’ Christmas. Great. Well, this year they are all getting ‘creative’ gifts (AKA cheap/handmade) and a big pull-back from the years past where I went overboard on my family since I love buying for them. All those holidays added up, it turned out, and gave me a decent chunk of credit card debt. Who’da thunk it?

Well, something has to change soon. I’m considering a couple of options. One– refinancing my mortgage to a 30yr. fixed if I can qualify for it. That could potentially lower my payment. Or, turn the car in for a more affordable car. I thought I could handle jumping from a $128 car payment to a $286 one, but it turns out it’s really not working. I make the payment, yes, but because I am never one to skip a payment or pay less than the amount due. That means all my money that I’d use for other stuff just isn’t there. Maybe I should just do what so many people I know do: just pay what you can and leave it at that. I don’t know, though… I am proud of my credit score and don’t want to take any hits on it. I don’t know why it matters so much to me, but it does.

I’m starting to consider debt consolidation, too. Get all the stupid credit card bills together and make it into one payment. Maybe a lower payment overall. We’ll have to see on that one. I don’t want to close all of my cards out, or have trouble with my credit score down the road.

I hate being an adult sometimes. I really do.

I really have been feeling that hamster wheel thing these days… I keep running to keep up, and yet I never get anywhere.

hamsterwheel

Advertisements

2 responses »

  1. *sigh* ‘t’is the season. Both my credit cards are within a few hundred dollars of being maxed, I’m going to run out of food/pet food/cat litter before payday, and, like a boss, I racked up balances (not big ones, just enough to take up any “free” money I might have had come payday) on my Old Navy, Victoria’s Secret and Bealls’ cards (Bealls’ is the worst. The others will be paid off in a week, but still…) buying stuff for myself. But it’s been a while since I bought new bras and panties, and I got invited to a Christmas program, which caused me to realize I had neither a nice, dress-up winter coat, nor any closed-toed dress shoes… and the puppies needed Frisbees… *sigh*

  2. So I just left a longish comment and then THE INTERNET ATE IT. Uh, I think the sum of it was: I’ve always envied you your good credit score, so definitely don’t trash that. But the switching cars thing sounds like a good idea. Also, if it makes you feel better, my account’s in the red until Friday. 🙂 I’m terribly ashamed, but what am I gonna do, not eat?

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s