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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My Name is Micheline Peric from Ireland, I want to say thank you to PRIEST WISDOM for the good thing he has done for me,Though am not sure if this is the best forum to show my joy and happiness for what he has done for me but i can’t hide happiness and my Joy so i have to share it with people, my marriage got crashed about two years ago and i tried all i could within my power but to no avail. I saw a post and testimonial about the good things PRIEST WISDOM has been doing so I decided to give it a try. though he is always a busy man but when he responded back to my email, he gave me 24hours for my marriage to be restored really just like he said my marriage was restored since then I am happy and i am living happily i am so grateful, PRIEST WISDOM you can always email him here: Supernaturalspell0@gmail.com or WHATSAPP / Telegram +2348124644470 or view his blog his web page https://supernaturalspell21.blogspot.com/ or go to his page https://web.facebook.com/PRIESTWISDOM11
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POWERFUL LOVE SPELLS TO GET YOUR EX BACK IN THE USA, CANADA, SOUTH AFRICA +1 (669)209-3663
I want to let the world know about Dr Victory the Great spell caster that brought back my husband to me when I thought all hope was lost. Dr Victory used his powerful spell to put a smile on my face by bringing back my man with his spell, at first i thought i was dreaming when my husband came back to me on his knees begging me to forgive him and accept him back and even since then he loves me more than i ever expected so i made a vow to myself that i will let the World know about this great spell caster because he is a God on earth. Do you have problems in your relationship ? Has your partner broken up with you and you still love and want him/her back ? Do you have problems with your lover ? or do you need help of any kind then contact this great spell caster today and also get your relationship/marriage problem solved and be happy.
Email: Victorysolutiontemple@gmail.com
Call/Whatsapp number: +1 (669)209-3663
website: http://victorysolutiontemple.info
POWERFUL LOVE SPELLS TO GET YOUR EX BACK IN THE USA, CANADA, SOUTH AFRICA +1 (669)209-3663
I want to let the world know about Dr Victory the Great spell caster that brought back my husband to me when I thought all hope was lost. Dr Victory used his powerful spell to put a smile on my face by bringing back my man with his spell, at first i thought i was dreaming when my husband came back to me on his knees begging me to forgive him and accept him back and even since then he loves me more than i ever expected so i made a vow to myself that i will let the World know about this great spell caster because he is a God on earth. Do you have problems in your relationship ? Has your partner broken up with you and you still love and want him/her back ? Do you have problems with your lover ? or do you need help of any kind then contact this great spell caster today and also get your relationship/marriage problem solved and be happy.
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My Name is Micheline Peric from Ireland, I want to say thank you to PRIEST WISDOM for the good thing he has done for me,Though am not sure if this is the best forum to show my joy and happiness for what he has done for me but i can’t hide happiness and my Joy so i have to share it with people, my marriage got crashed about two years ago and i tried all i could within my power but to no avail. I saw a post and testimonial about the good things PRIEST WISDOM has been doing so I decided to give it a try. though he is always a busy man but when he responded back to my email, he gave me 24hours for my marriage to be restored really just like he said my marriage was restored since then I am happy and i am living happily i am so grateful, PRIEST WISDOM you can always email him here: Supernaturalspell0@gmail.com or WHATSAPP / cell phone +2348124644470 or view his blog his web page https://supernaturalspell21.blogspot.com/ or go to his page https://web.facebook.com/PRIESTWISDOM11 ..
URGENT AND EFFECTIVE LOVE SPELL CASTER TO HELP YOU GET BACK YOUR EX LOVER VERY FAST WHATSAPP +2348124644470
My Name is Micheline Peric from Ireland, I want to say thank you to PRIEST WISDOM for the good thing he has done for me,Though am not sure if this is the best forum to show my joy and happiness for what he has done for me but i can’t hide happiness and my Joy so i have to share it with people, my marriage got crashed about two years ago and i tried all i could within my power but to no avail. I saw a post and testimonial about the good things PRIEST WISDOM has been doing so I decided to give it a try. though he is always a busy man but when he responded back to my email, he gave me 24hours for my marriage to be restored really just like he said my marriage was restored since then I am happy and i am living happily i am so grateful, PRIEST WISDOM you can always email him here: Supernaturalspell0@gmail.com or WHATSAPP / cell phone +2348124644470 or view his blog his web page https://supernaturalspell21.blogspot.com/ or go to his page https://web.facebook.com/PRIESTWISDOM11