Disclaimer: I wrote this for the 20sb’s Carnival. I didn’t post it in time to actually be part of the carnival, but it seems a shame to not post it.
About four years ago, I used to work in this shitty admin job, on a shitty wage. It was a job that made me miserable, and paid worse. I was constantly trying to figure out whether I wanted to eat that week, or whether I should pay my share of the power bill. Whether I could live on the icecream that was in the freezer until I got paid. McDonalds for lunch was splurging. Stealing Siblings clothes was how I filled my wardrobe. But I was happy, I was living in the city in a cute little (shared with friends and therefore discounted) apartment, being marvelously independent. I didn’t have any debts, Student Loan aside. Poor didn’t seem so bad then.
But I wasn’t exactly blind. Oh hai friends! It was hard to not to see how the people I graduated with lived. Starting on 60k salaries, with regular pay reviews. They were buying DSLR’s and making trips to Australia and thought nothing of dropping a few hundred on drinks on a Friday Night. I tended to ignore the differences in lifestyle. I had what I had, and I was grateful for it. I held fiercely tight to my financial independence, and was glad. I couldn’t grudge what my friends had worked hard for.
About this time I fell madly in love. Madly, head over heels for this boy and as you do when you love someone, their life merges up with yours. We earned about the same, and a wild Friday night out was snuggling up in bed with pizza watching downloaded movies. We were living the high life.
Then, almost two years ago, I got a job worthy of my degree. A job that used the brains I had, with people who weren’t bitchy and horrible. A job that put my previous wage to shame by giving me a salary that put me on par with the peers I graduated with. But somehow, I still was poor. I was paying car fines that weren’t mine, paying out for food, or games or clothes for this boy that I was still so madly in love with. When you’re in love, money doesn’t matter because you’re making it work, right? Sure I can put gas in your car, no problem. You need new x,y,z? Sure! I’ll get it. You don’t have enough to cover the $400 rent payment this week? Don’t worry, I’ll take care of it, I love you. I love you so much, I’ll take care of it, together we’ll get by. We’ll make it work.
We moved back home, to save money. And about this time I started supporting my sister too, providing a couple hundred a month, so she wouldn’t have to get a student loan. Taking on more of the household bills, as members of my family lost their jobs. Helping out where I could. Trucking on. Me and two minute noodles were fast friends, now. I was earning more money, but it seemed that the people I was supporting, and the money I was spending increased at the same rate.
Oh hai friends, with your investment property deposits, and new cars. Taking up expensive extreme sports (diving, heli-boarding, kite surfing) that look brilliant. Their fancy new machines weren’t grudged, and I was happy that they lived as they did (and happy they were willing to let me watch movies on their projectors and play their new ps3 games). There was minor jealousy, but nothing worth writing home about. There would be nights out, we’d dance and drink, and I’d sneak off home early, back to the boy I loved who was probably playing a lovely cheap night of TF2. And as long as I was rich in the world of love, what else mattered, right?
Yeah, that phrase makes me want to vomit too.
When we broke up, I was heartbroken. Devastated. But surprise, surprise, suddenly I had cash pouring out my ears. Me and alcohol struck up a healthy relationship to deal with some of that. I stopped stealing Siblings clothes when I realised that hey! I could afford an entire new wardrobe. When my stomach protested loud enough, I ditched two minute noodles in favour of $20 Cafe lunches, and dinners in restaurants that had raving reviews and ridiculous prices. Movies, fancy breakfasts, adventures, here was my eftpos card. Take it away. While I was grieving, money was not an issue.
Oh hai friends! Anything you want to do, I’m keen. There were snow trips. And shopping sprees. And Behind the Scenes Zoo tours. There was shiny new machinery, giant screens, ergonomic keyboards. A stupid amount of shoes. A ridiculously stupid amount of shoes.
Eventually, I got over it and came to my senses. I still eat two minute noodles occasionally, but I don’t have to. But all that excess money? Its now being directed into a savings account. An account that is going to fund some serious serious adventures at the end of this year. I’m thinking Canada, or Italy, or London. Or all three (why not?) It’s an account that’s going to take a serious chunk out of my Student Loan. An account that actually? Is me finally being sensible and smart. Ish.
I got a pretty sweet 77 on Charles Schwab’s new financial fitness check-up tool. I feel like I’m finally living financially smart, within my means. I have enough to eat, without having to negotiate whether the power bill can wait a week or two, without wondering how long I can go before I really do have get my car a warrant. Enough to go out to dinner every week, or have a few drinks without it breaking the bank, or ending in tears. Enough so I’m not living pay check to pay check anymore.
It’s a pretty fancy feeling. Grown up, and responsible. Ish. I still buy shoes all the time. Occasionally, if I’m having a down day, I might blow a few hundred on some super nice sunglasses, but theres nothing wrong with the occasional impulse buy, right?
How are you with your money? Do you impulse buy, too?