I make good money. I’m not rich by any stretch of the imagination. I can’t afford a 5000 sqft house in University Park, I can’t buy a shiny new 2002 BMW M5, and I don’t have a lawn boy or a butler. But I make good money. By all American standards, I should be able to afford a house, a wife, 2 kids, 2 cars and a dog. But I can’t.
I push bills off past their due dates waiting for another pay check because I don’t have enough money to pay it now. I scrape the bottom of my checking account from time to time waiting until I get paid again so that I can buy groceries. Sometimes I cash in the bucket of change I keep in my room just so that I can buy food for the next week and still pay my bills.
I don’t have a lavish lifestyle. I don’t have a nice car, I don’t pay high rent, I don’t own nice clothes, and I don’t constantly purchase expensive electronics. I don’t have a drug habit. I don’t visit strip clubs. I don’t go out drinking. I don’t purchase prostitutes or escorts. I don’t even have cable TV. However, I spend too much money and the money that I do have is not managed well. This gets me into a lot of trouble.
Regardless of how much money I’ve made, from the $9.13/hr I used to make doing Technical Support up until now, I spend every penny that I make and see very little increase in my standard of living to account for it. Sometimes, like now, it’s because the world just gangs up on me and unseen expenses come flooding in leaving me no choice but to pay for them.
In the past two months I had to buy new front tires, a new battery, get a front-end alignment, and get a brake job on my truck. That’s $620 that I spent, and didn’t want to. Add another $300 for a power-supply and hard-drive that went out simultaneously and another $300 for Jess’ ticket here, and we’re up to $1220. Then add the $1300 I paid in deposits for my new apartment, the $200 in deposits I lost for not moving into the first place I was going to live in, and the extra $598 I paid in order to have two apartments at once and that amount jumps to $3318. Couple that with my cable modem charging me $300 for my unreturned cable modem (which I didn’t know had to be returned) and $300 in service charges since they didn’t cancel my service when I asked them to and we’re up to $3918. Now I’ll get some of that money back, but I don’t have it right now. That almost $4000 in unexpected expenses in the last 2 months. And I’m not even accounting for everything (like higher than usual cell phone bills, the realization that I had a few accounts in collection and had to pay them off, miscellaneous expenses from my brother’s wedding and many others).
I expect to have unexpected things creep up (So I guess that means they aren’t unexpected). But I just don’t expect them to be this high. And when they come, they hurt. But, even if they weren’t hitting me now, I’d still be hurting, because I’d find some way to dig myself deeper into a hole.
My life has always been this way. I dig myself into a hole spending too much money, and then I have to pay extra money and heartache to dig myself back out. It’s a vicious cycle. I borrow from Peter to pay Paul and, in the end, everything just sucks.
Which brings me to now. I’m broke. I have unpaid bills. And because I’ve been in this same situation for so long (which is my own fault) I have HORRIBLE credit. It resembles that of a heroin addict, ditching his bills to buy more smack. And I’m not a heroin addict.
Yesterday, I canceled my cell phone service because it’s too expensive and, because of changes in the services of those in my friends group, no longer works to my advantage. I went down to VoiceStream to sign up for new service for Jess and I. Everything seemed happy and fine until the lady told me she wanted a $500 deposit per line. $1000 in deposits for a cell phone?! That’s outrageous. But it’s my own fault. My credit is so bad from being late on so many bills, and paying so little attention to my finances that things get turned over to collection left and right. Can I afford $1000 for cell phone deposits? Yes. Do I want to? Hell no. So what do I do? I don’t know.
I can’t even describe how horrible it felt to hear her tell me that she wanted $1000 from me. I can’t even begin to tell you how low my heart sunk in my chest. I felt like such a loser; like such a failure. It isn’t so bad when it’s my life. It isn’t so bad when I’m all I have to worry about. But bringing Jess into this mess just scares me. It makes me feel like I’m not good enough. It makes me feel worthless. It makes me feel like less of a human being.
It’s no big deal to not have a cell phone. I can live without it and could really stand to save the $80/month. But it’s the principal behind it that makes me feel so bad. It’s not that I don’t want a cell phone, or that I’ve chosen to not have a cell phone, or that I don’t make enough money to afford a cell phone. It’s that I’m so incredibly stupid and worthless that they wont give me one.
I know this self-defeating speech doesn’t get me anywhere. I know that self-pity doesn’t do anyone any good. I know that I need to shape up, fix the situation, and move on with life. And believe me, I’ve been trying. As far as I know (though there could be a few out there) I don’t owe any collection agencies money. The only debt I have is my car loan. The only credit card I have is my Target card, and it has a 0 balance. I only have two outstanding bills, and they aren’t more than a few days late. I have over $2500 in outstanding money that is owed to me (security deposits, refunds, etc). I’m doing okay in that respect. Better than I have been since everything started going downhill at age 18. The problem is, my credit is still bad, I’m still broke, I still owe people money, and I’m not expecting $100 bills or a clean credit report to fall out of the air any time soon.
The one thing I have to be thankful for is Jess. Despite all of this, she still loves me. She tells me that she doesn’t care, and that, together, we’ll get all this straightened out. She tells me that she’ll help me control my spending, that she’ll help me keep track of things, and that, in the end, everything will be okay. When I can do nothing but beat myself into the ground because of the situation I’ve gotten myself into, she tells me that she loves me, that everything will be okay, and then willingly places herself in this situation with me, despite all the problems she is walking in to.
All of this will get straightened out. I just have to remember to keep my chin up. I have to remember to keep trying. And I have to continue to be thankful that I have what I do have: a good life, the things I need, some of the things I want, and the most wonderful person in the world to stand by me through it all.