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Money Ponderings

I'm always appalled at how careless some people seem to be with their spending.

A little background on me: I'm a Software Developer. I make a decent salary, it's not top of the scale S/W Dev salary either (I can get way more if I really were after the money), but it's decent. I don't like to go to the bottom of every paycheque, but I have to right now because of the wedding. This is a 250-300 guest wedding that Will and I are paying for ourselves. We've gotten some amazing deals, so that's helped keep costs down tremendously. So far, the credit card bills are still paid in full every month.

Even now, I get gloomy/bummed/depressed/panicked just before payday because my total net balance is next to $0. I've actually found that I become that way even when I only have a few hundred left in each account. I go completely psycho inside if I'm carrying an overdue credit card balance. Nothing I haven't learned to deal with on the outside, but the feeling is still there. It's the way I was raised and taught.

And "the more I think, the less I make". The more I try to budget and plan, the more I feel like I don't even have enough money to breathe.

Getting back to the "appalled at other people" part. I've recently heard about someone I used to know filing bankrupcy and everyone was saying how they couldn't understand why. I'm glad I don't hang around that crowd much anymore.

It really doesn't make sense how someone can manage on a salary that's a third of mine (or less because EI can't be that much for highschool dropouts who used to work part-time flipping burgers), have 5 children and pregnant, go to two or three movies every single week, have extended cable (or whatever it is that gives you 5000 channels), eat out almost every day with the kids, go for coffee at Starbuck's with friends every day, take all the kids to Disneyland four times a year, buying Collector's Edition Barbie dolls that go for $100+ each and other collector's items that cost way more than they're worth...

I dunno... I saw the bankrupcy thing coming 5 years ago, when I met her.


Comments

( 2 comments — Leave a comment )
mayna
Jun. 11th, 2001 12:21 pm (UTC)
Some people don't seem to realize that if they spend credit now, they'll have to pay it back later. I think you're probably exaggerating about the person with 5 kids (unless they have savings or are living way beyond their means)

You'll be able to breathe better after the wedding I'm sure. :-) My fiance and I got engaged (officially) in Nov, and I am using money saved from saving $400/mo for 6 months ($4300, since it was invested in stock) plus paying for $3000 of other wedding stuff before that from other savings and paychecks. My parents are helping out some too. I'll be glad when all this is over too :-) Some of my friends who are getting married in August though are getting in debt over their wedding and are freaking out about that. I wish I had millions of dollars to help people out :-( ah well
bride
Jun. 11th, 2001 12:42 pm (UTC)
Wah, wah, wah... =)
You wrote:
> Some people don't seem to realize that if they spend credit now, they'll have to pay it back later

That's exactly it. I don't understand how that concept can be lost on people.

> I think you're probably exaggerating about the person with 5 kids (unless they have savings or are living way beyond their means)

Between writing that and chatting to another friend, it seems that Social Services has taken all her children away from her. So, yes, I was exaggerating =) She doesn't have 5 children... anymore =P =}

> You'll be able to breathe better after the wedding I'm sure. :-)

Heh, thanks =) I just need to remind myself that going to the end of the paycheque is okay, especially right now. I don't intend to make a habit of it =)

You're right, it will be better afterwards... at least until we buy a house, have children, etc. Oops, whining again... =P
( 2 comments — Leave a comment )

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eLouai
bride
The Bride of the First House

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