Ever just freak out about money?
I do. A lot.
I’m not gonna go on the internet and cry about how I’m a miserable broke asshole. Mostly because I’m not. I work hard and maintain an okay standard of living. I’m not going to buy a beach house any time soon, but I’m doing okay. However, I’m trying really hard to improve my credit, pay off one of my credit cards, reduce my debt to income ratio, and put myself in a better position. While I am fortunate enough to receive some child support, it’s often late for weeks at a time, and the dad doesn’t seem to care enough to make sure that he’s contributing. But it is what it is. The important thing is that the kids live in a comfortable home & that I’m taking care of things. I think we’re doing okay.
I always feel guilty about spending money on myself. I bought some new makeup and felt really guilty, even though I used my freelance money. But still, I always feel like money is tight and I’m not being responsible and I could do better with my finances. Then I’ll stress, like somehow my makeup collection is ruining me financially, despite my only buying stuff every six months or so. But I’m always guilty, like how dare I want something. The kids need stuff. New glasses. New clothes. Food. Lodging. Slushies. I’ve got to provide. Makeup doesn’t provide.
I think right now I’m stressing more because I saved up all year to take the kids on a legit vacation, and not just flying them to see their dad. We’re going to Toronto to check out the sites and attend WWE Summerslam, so my children can live out their dream of meeting Becky Lynch…and I can also meet Becky Lynch (& Seth Rollins) hahaha. It’ll be nice to use my vacation time for an actual vacation. But that means cutting every corner, scraping every penny to cover bills, which gets harder when you’re doing it on your own because you’re basically a sole support parent as your support payments are hit or miss. This means every penny is accounted for, and everything, from the hair appointment I cancelled to save cash to my granola bars for lunches, makes me feel like a shitty person.
I guess I feel this way because I’m the only person who has to think about the collective & everything is on me. I’ve got to keep the family going. I’ve got to make sure the bills are paid, the food is on the table. I’ve got to make sure that everyone is taken care of. I’ve got to fly the kids out to see their dad every year. I’ve got to make sure the car follows the proper maintenance schedule. I’ve got to keep everything together and I scrape and claw to get a vacation together and feel badly because that could have been used elsewhere. Because of this, I end up thinking that anything I might want is bad or wrong and I’m a horrible person for buying my cup of tea or buying makeup with money that I make outside of our budgeted income. I spend so much time worrying that I end up stressed out and exhausted.
Am I the only person who feels like this?
Maybe this is a sign from the universe that I need to be smarter with my money. I’ve already spoken to a financial planner about how to reduce my debt and really make my money work for me so I can feel more secure about my finances. Continue to do smart things like keep the deductibles for my auto and home insurance in the account with my insurance so I’m not caught with my pants down in an emergency. But mostly, calm the fuck down. It’s okay to indulge a little, just don’t be stupid. Stick to your budget. Put away savings. Plan your budget in a way that will help you maximize your earnings. Easier said than done, but I’ve mastered slowing down on my impulse buys. But most importantly, if I’m so worried about money all of the time, it’s up to me to make changes to feel better about my finances. Whining and sacrificing and panicking has never improved anyone’s situation. Nor has complaining and blaming everyone else. What will help, is actually taking time to make financial management a priority. I thought I did well, but I could do better, and I will be better, one nickel and dime at a time.