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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I have finally got my Joy back, I want to tell the world how my husband was cheating on me and no longer committed to me and our kids. when I asked him what is the problem All about he told me that he has fell out of loving me and wanted a divorce, I was so heart broken I cried all day and night but he left home I was looking for something online when I saw an article how the great and powerful spell caster called Dr Ehimare, have helped so many in similar situation like mine he email address was there so I sent him an em to me within 24hrs I did everything he asked me to do the nest day to my greatest surprise my husband came back home and was crying and begging for me to forgive and accept him back he can also help you. Contact him for any kind of Spell, Via email: doctorehimare5@gmail.com or WhatsApp number: +2349018966808 ail telling him about my problem he told me he shall return back to me within 24hrs I did everything he asked me to do the nest day to my greatest surprise my husband came back home and was crying and begging for me to forgive and accept him back he can also help you. Contact him for any kind of Spell, Via email: doctorehimare5@gmail.com or WhatsApp number: +2349018966808
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I have finally got my Joy back, I want to tell the world how my husband was cheating on me and no longer committed to me and our kids. when I asked him what is the problem All about he told me that he has fell out of loving me and wanted a divorce, I was so heart broken I cried all day and night but he left home I was looking for something online when I saw an article how the great and powerful spell caster called Dr Ehimare, have helped so many in similar situation like mine he email address was there so I sent him an em to me within 24hrs I did everything he asked me to do the nest day to my greatest surprise my husband came back home and was crying and begging for me to forgive and accept him back he can also help you. Contact him for any kind of Spell, Via email: doctorehimare5@gmail.com or WhatsApp number: +2349018966808 ail telling him about my problem he told me he shall return back to me within 24hrs I did everything he asked me to do the nest day to my greatest surprise my husband came back home and was crying and begging for me to forgive and accept him back he can also help you. Contact him for any kind of Spell, Via email: doctorehimare5@gmail.com or WhatsApp number: +2349018966808
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I’m so excited my broken Marriage has been restored and my husband is back after he left me and our 2 kids for another woman. After 8 years of marriage, me and my husband have been into one quarrel or the other until he finally left me and moved to be with another woman. I felt my life was over and my kids thought they would never see their father again. I tried to be strong just for the kids but I could not control the pains that tormented my heart, my heart was filled with sorrows and pains because I was really in love with my husband. Every day and night I think of him and always wish he would come back to me, I was really upset and I needed help, so I searched for help online and I came across a website that suggested that Dr Oniha can help get ex back fast. So, I felt I should give him a try. I contacted him and he told me what to do and I did it, then he did a (Love spell) for me. 48 hours later, my husband really called me and told me that he misses me and the kids so much, So Amazing!! So that was how he came back that same day, with lots of love and joy, and he apologized for his mistake, and for the pain he caused me and the kids. Then from that day, our Marriage was now stronger than how it was before, All thanks to Dr Oniha.I will continue to tell everyone about how your spell works Dr Oniha because you are a God sent to me. You can also contact him if you need help to solve your problem, he will be of help to you.
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I’m so excited my broken Marriage has been restored and my husband is back after he left me and our 2 kids for another woman. After 8 years of marriage, me and my husband have been into one quarrel or the other until he finally left me and moved to be with another woman. I felt my life was over and my kids thought they would never see their father again. I tried to be strong just for the kids but I could not control the pains that tormented my heart, my heart was filled with sorrows and pains because I was really in love with my husband. Every day and night I think of him and always wish he would come back to me, I was really upset and I needed help, so I searched for help online and I came across a website that suggested that Dr Oniha can help get ex back fast. So, I felt I should give him a try. I contacted him and he told me what to do and I did it, then he did a (Love spell) for me. 48 hours later, my husband really called me and told me that he misses me and the kids so much, So Amazing!! So that was how he came back that same day, with lots of love and joy, and he apologized for his mistake, and for the pain he caused me and the kids. Then from that day, our Marriage was now stronger than how it was before, All thanks to Dr Oniha.I will continue to tell everyone about how your spell works Dr Oniha because you are a God sent to me. You can also contact him if you need help to solve your problem, he will be of help to you.
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I got separated from my husband 3 months ago. There was no communication between us. I was advised by families and friends to let go, forget the marriage and move on with my life. I didn’t want to marry someone else because deep down, I still love my husband. I was in so much pain and was so confused, until I read a testimony online on how Dr ONIHA reunited a broken marriage with the help of his love spell powers. I kept reading so many testimonies on how he helped to stop divorce and bring back peoples ex-lover’s to them, and my faith was renewed. I had to contact Dr ONIHA immediately, few minutes later, he replied and instructed me on what to do, after meeting up with the necessary requirements, 2 days later after he cast the spell, communication was restored between me and my husband. He actually knees pleading to me to forget and forgive him. My relationship is now balanced and my husband is so obsessed with me more than ever. His spells worked wonders and our relationship is now stronger than before, and nothing can separate us again. I visited so many websites seeking help, it looked hopeless, until I came in contact with Dr ONIHA the real man, who helped me to restore my broken marriage. If you’re having a similar problem in your marriage, you want your husband or wife to love you again, you have someone you love and you want him or her to love you in return, you are having any challenges in your relationship. ONIHA SPELL TEMPLE is the solution and answer to your problem, contact him today via Email his contact information.
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My name is Tom Peacock from USA, I want to say thank you to Dr Emu 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 my 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 Dr Emu 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 48 hours 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 to Dr Emu you can always email him here: {emutemple@gmail.com} or WhatsApp: {+2347012841542}