Oct. 21st, 2003
Oct. 21st, 2003 06:45 pm
Money Matters
Welcome to the Russian Roulette money club.
My parents help me out by making my auto insurance payments. Well, they did not give me the money for the insurance yet, so I wound up having to pay my car insurance instead of my car payment. Therefore on Friday, from Tuscaloosa, I will use the money that I’m suppose to make my rent payment with to make my car payment! And, if my parents give me the money while I’m in Alabama, I can go ahead and make my rent payment. Or I can go ask the landlady to see if I can pay rent on the 6th instead of the 4th and pay rent with the next paycheck.
::pant, pant::
But the good news in all of this is that I wind up with an extra paycheck during November - one I don’t have to use for rent or a car payment! SQUEE! I can either do the right and proper thing and buy Christmas presents for everyone, or I can get some new clothes (which I sorely need), or a new entertainment system or down payment on cable, or go buy anime DVDs or, or, or!!! The other nice thing about the paychecks working out the way they are is that on this paycheck I’m getting Thursday, the only thing I have to pay is the car payment/rent money. Therefore, I have more money to go to Tuscaloosa with! (And will probably go ahead and do Christmas with Celeste then).
Even though this is a temporary balm on my money problems, it’s not a permanent solution. I’m looking into one. It’s become unavoidable, but I owe so many people so much and I know I can’t pay all of it off and still be able to feed myself. (The cats are no problem. If only I could eat as cheaply...) Plus, the rest of my student loans kick into gear next year. I know what I need to do. It’s kind of a scary thing, and I’ve been told I’ll regret it. But my credit is already screwed up to the point where something needs to be done. When I totaled up everything - the car, the student loans, the credit cards, etc. - I discovered it would take paying everything I make for THREE years to pay off everything.
I know I can’t live like this. I can’t buy myself clothes that I need. I don’t have anything to put into savings or to invest in the company’s retirement plan. I’ve made my mistakes and I’m ready to start over. I just wish I could go back two years and cut up the credit card that started it all. Still, when I finally cut up all of the cards I had in July, I never felt so good about myself. Now I need to take care of the rest of it.
I have a job that I dearly love, an apartment that is absolutely wonderful and three cats I adore. In July, I started my life over. Finding a solution to this money problem is the final step. I honestly think that’s why there no one in my life yet. I think once I’ve taken care of this final step, I will be ready to pursue a stable relationship.
My parents help me out by making my auto insurance payments. Well, they did not give me the money for the insurance yet, so I wound up having to pay my car insurance instead of my car payment. Therefore on Friday, from Tuscaloosa, I will use the money that I’m suppose to make my rent payment with to make my car payment! And, if my parents give me the money while I’m in Alabama, I can go ahead and make my rent payment. Or I can go ask the landlady to see if I can pay rent on the 6th instead of the 4th and pay rent with the next paycheck.
::pant, pant::
But the good news in all of this is that I wind up with an extra paycheck during November - one I don’t have to use for rent or a car payment! SQUEE! I can either do the right and proper thing and buy Christmas presents for everyone, or I can get some new clothes (which I sorely need), or a new entertainment system or down payment on cable, or go buy anime DVDs or, or, or!!! The other nice thing about the paychecks working out the way they are is that on this paycheck I’m getting Thursday, the only thing I have to pay is the car payment/rent money. Therefore, I have more money to go to Tuscaloosa with! (And will probably go ahead and do Christmas with Celeste then).
Even though this is a temporary balm on my money problems, it’s not a permanent solution. I’m looking into one. It’s become unavoidable, but I owe so many people so much and I know I can’t pay all of it off and still be able to feed myself. (The cats are no problem. If only I could eat as cheaply...) Plus, the rest of my student loans kick into gear next year. I know what I need to do. It’s kind of a scary thing, and I’ve been told I’ll regret it. But my credit is already screwed up to the point where something needs to be done. When I totaled up everything - the car, the student loans, the credit cards, etc. - I discovered it would take paying everything I make for THREE years to pay off everything.
I know I can’t live like this. I can’t buy myself clothes that I need. I don’t have anything to put into savings or to invest in the company’s retirement plan. I’ve made my mistakes and I’m ready to start over. I just wish I could go back two years and cut up the credit card that started it all. Still, when I finally cut up all of the cards I had in July, I never felt so good about myself. Now I need to take care of the rest of it.
I have a job that I dearly love, an apartment that is absolutely wonderful and three cats I adore. In July, I started my life over. Finding a solution to this money problem is the final step. I honestly think that’s why there no one in my life yet. I think once I’ve taken care of this final step, I will be ready to pursue a stable relationship.
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