Financially Immature

Okay so somebody in my household (I’m not naming names) has proven herself/himself to be completely irresponsible when it comes to handling money/a checkbook/paying bills on time. I mean, really…this person is almost 40, so you would think this person would know better than to bounce 5 checks at one time. This person should also know that paying bills late results in late fees. This person should also know that just because she/he has direct deposit in place that doesn’t guarantee the money will always be there. This person should also quit writing checks and hoping against hope that they won’t clear before the next deposit goes through. This person also needs to quit using the damn debit card if she/he can’t remember to write down the charges in his/her checkbook!

 

*sigh*

 

This person had to ‘fess up and sheepishly tell the spouse what she/he had done. This person also had to admit to herself/himself that she doesn’t know a damn thing about managing money. That was a hard one to admit y’all. Not that this person was me, but ya know, I’m just saying.

 

*hangs head in shame* Okay, so it was me. I. Screwed. Up. BIG TIME.

 

I got my first checking account when I was 20 years old and I had no idea that you were supposed to subtract the bank service charges from your account. I bounced a rent check and I learned my lesson. I didn’t bounce another check for many, many years. For some reason, and really I have no idea what is going on with me, the last two years I have been overdrawn on my account countless times (seriously, I tried to count them and I decided to quit at 20) – I don’t even want to think about how much I’ve paid in insufficient funds.

I’m a smart woman. I have a college degree. I’ve raised 3 kids and haven’t killed them, so I must be somewhat responsible, right? SO WHAT THE H*LL IS GOING ON WITH ME??????

For the first time in my life, I let my husband tell me what to do and all I said was “okay”. He is taking over the bill-paying and the checkbook. My debit card has been cancelled and is now specifically an ATM card. I am on a cash-only basis now y’all. And the thing is, I was happy to hand it all over to him. I didn’t make excuses or try to argue my case, I just said “okay, whatever you think is right, I’ll do it”. I think he was shocked, stunned, surprised and any other “s” word that there is, because I am famous for arguing excusing explaining my actions so that he would see things my way. Only this time, I knew that my way wasn’t working, so I had no other choice than to let go of the reins and let him take over.

It kills me, KILLS ME, to admit that he is right. I would rather stab myself in the eye with a knitting needle than to admit that maybe he knows what he’s talking about, but lately, I am realizing that he actually IS right a lot of the time – which annoys me to no end, but also allows me to relax and NOT feel like I have to be in control of everything.

I know that this some how is related to my view of eating and weight loss too – I think a lot of the time, when you are out of balance in one area of your life, you are out of balance in other areas too. I had to let go of those reins also and ask my doctor for help with losing weight, and that is going well, so maybe I’ll get my money-head straightened out as well eventually. I guess the next area I really need to tackle is the Spiritual one: we haven’t been to church since July and it is so hard to get back into the habit. I miss it, but to be honest I have never really felt like a part of my church. I love love love the pastor, and a lot of my kids teachers go to this church, but I have never felt like we are missed when we aren’t there. I don’t know, I’ll figure something out.

Okay well, aren’t you glad you stopped by today so I could spill my personal guts all over the place?! I know it’s considered bad manners to discuss money issues, but why? Why is it such a taboo subject? Most people have financial issues, why can’t we talk openly about them and help each other out? Just wondering.

Happy Thursday gang! It’s almost the weekend – SQUEEEEEEEEE!!!!!!!!!!

Don’t forget to enter the POMx Tea giveaway in yesterday’s post!