Now Playing: Hate Me By Blue October
Topic: Rambling on
I have never been able to just get what I needed. All my life from childhood on has been a struggle, it cost for shoes, it cost for coats, my parents would worry about how clothes, shoes etc would get paid for, often my grandmother bailed them out (she's done the same for me more often than I like to think of) Or, worse, we got hand me downs from people at my parents jobs, church etc. I hated that at the time but some of my favorite clothes at 8,9,10, were hand me downs, I just had to have them long enough to feel like they were mine instead of someone else's discards.
All the time my ex & I were together there was never enough money. It was a constant battle to keep everyone fed, clothed & a roof over our heads, he didn't work a lot of the time- he'd get a job, keep it for 6-10 weeks & quit or get fired for not showing up. I didn't work a lot of that time then too... But I had little kids at home, it was cheaper for me to stay at home with them than pay a babysitter, he wouldn't watch them, if I worked the kids were babysat. That was all there was to that. the ex could not/would not watch the kids while I worked for more than 2 days in a row. I don't know why he couldn't take it but he couldn't & so we were almost never a 2 income family. This meant that we were constantly broke. It did not help matters that we brought out the worst in each other in terms of money & spending. One of us would say: 'Man, I wish we could just go out to dinner tonight' & the other would say: 'well, we do have that money for the electric bill...' & off we'd go, we supported in each other the worst, most spendthrift behavior you can imagine! In that way we're much better off seperate. He still doesn't do much better at making ends meet to this day
The best thing about my job is that it pays enough. Enough that we have what we need & a few luxuries to boot... I've had to watch what I spend though, & I do love to spend unfortunately. As I said, my Grandmother has bailed me out & helped with the extras like shoes when people outgrow them too soon & she always has helped me with school supplies each August. For the most part though I manage - I do get a little from the ex each month now that he's in the service (allegedly- still don't belive it) & that little helps, but I know better than to count on it, if & when he leaves the service I doubt I'll continue to recieve any money, he's not too good at keeping up with things like that & he's also known to resent paying it, he feels because I was at home with the kids when they were babies & under 4 while he was working. That I 'owe' him & he shouldn't have to pay support. So I know that there is likely going to be a time when that $225. doesn't come in anymore & I hope to have the money thing going even better than it is now by then. Either that or I'll have to do more overtime at work than they're already forcing on us, (up to 4 hours mandatory every week & they're so desperate that they're paying double time for overtime over the mandatory 4!- I haven't done any of that but I might this week- because of the holiday weekend we have less hours available to do the overtime on -Sunday & Monday are closed up for available hours to work- So I'll have to go in on one of my days off to make the time up & if I'm going to be there for 3 hours I might as well be there for 4! especially considering it's a 40 minute drive each way.)
The point here was that I've finaly applied for & recieved a credit card. (a real one, not the secured type for like 300 bucks.) I belive that's the difference between the poor & the not so poor, everyone nowadays lives paycheck to paycheck I belive, but credit cards just make it easier. When someone needs something you can get it. I've been in the situation where we've gone out, got groceries for 2 weeks, had a meal out, like Burger King or something & then got home & someone's broken their shoe or spilled something uncleanable on their coat. There's no extra money in the bank, just enough for gas for me to go to work & back every day for the 2 weeks until the next paycheck & to buy milk & bread. There's no help for it but for the kid to deal with it with the credit card I could go get the shoes, or worse yet, the car breaks down, in the past that's always meant tearful phone calls home & money wired to me from my mother or grandmother who can't afford it any more than I can but at least have credit cards so they can help. Now I won't have to ask them for help, I'll be able to put a repair on the credit card. I'm still mulling over the whole pay all your bills with the credit card though, the commercials make it seem so easy, pay all your bills through auto pay with the credit card & then just pay the credit card bill each month - That way you don't have to think about it. But of course there's interest, you're paying more to pay your bills because of the interest rate on the credit card (a pretty good one on this card I have to say, at least 'til the end of the year)Someone pointed out though, that if you're paying the money you'd have paid the bills with, to the credit card company then you're paying over the minimum balance & thus would not be getting too bad of an interest rate or getting too behind on your debt. Of course if you're paying over the minimum payment routinely they're likely to increase your limit too!
Then of course I hear my father's voice on credit cards, how they're a slipery slope & you'll end up in debt to your eyeballs & be unable to pay it off. I also have had friends who did get into trouble, both my closest cousin & a former friend ended up in enough trouble with credit card debt that they had to have their money doled out to them & the payments for the cards automatically taken from their paychecks. There's never a decision in adulthood that's all good.. there's always too many pros & cons to everything!