being in control of your finances is a great stress reliever
Next to being in a dysfunctional relationship, money troubles are the commonest cause of severe stress. Sadly, dysfunctional relationships and money troubles often go together.
There are four sets of reasons that may have caused your money troubles;
- Misfortune. This is not your fault, You may have lost your job, have uninsured medical expenses, your ex may have never paid child maintenance, your water heater may have exploded in a cloud of steam…..
- Laziness and Stupidity. You never open your mail, you don’t check your balance when you withdraw cash from the ATM, you can’t be bothered to balance your cheque book, you don’t bother to look for the thriftier items when you go to the supermarket…..
- Compulsive Spending. You max out your credit cards and then get another, your favorite pastime is shopping, when you’re stressed you go shopping, you buy shoes you will never wear, you’ve bought a car you can’t afford, you buy stuff you don’t really want, need, or already have…..
- Addictions. Maybe this is where things get really, really bad. You’re a drunk and you spend a fortune on booze in bars and supermarkets. You’re a drug addict, you’re always jonesing for your drug of choice, and you would do anything to get your next fix, including spending the rent on coke. You’re a gambler and when you’re in a casino you lose track of time and money. You’re a sex addict and pay for a fuck or a suck, and you’re addicted to on-line porn and sex-chat…..
So you’re flat broke, have bills to pay, and you are very, very stressed, suicidally so. So WTF can you do?
- Stay calm, make yourself a cup of tea, sit down, get a pen and paper and make some notes.
- Work out exactly how much you owe in outstanding debt, including all your credit cards, parking fines ~ basically write down and add up every single penny you owe. Depressing isn’t it?
- Work out exactly how much is the bare minimum amount a month you need to live on, including food, rent, utilities, car repayments, insurance, parking, and petrol, (gas). Compare that with how much you’ve got coming in, and if you’ve got less coming in than you will have going out, find something on your list you don’t need to buy.
- Find the nearest discount grocery store, and resolve to shop nowhere but there in future, and to buy only their cheapest stuff, providing it’s nutritious.
- Contact your bank, finance, and credit card companies and see if they can help you by deferring or reducing repayments.
- STOP FUCKING BUYING NON ESSENTIAL STUFF. If you have to, then cut up all your credit cards.
- Find a way to recover from your addiction. If you have to go to a couple of AA, or NA, or GA meetings a day then get your butt down there. Take part. STOP doing whatever it is that you’re addicted to; if it’s booze or drugs you may need medical help.
Some say that something good will turn up soon. And that the Micawber Principle is a load of bullshit anyway. All I know is that one shouldn’t throw good money down the drain.
it isn’t this pensioner’s fault that she’s broke
you should have her worries