With Xmas just around the corner, nothing gives me more displeasure than not being able to shop for family and friends but most of all myself. There's nothing like succumbing to the pressures of advertising and buying a sparkly gift for yourself that will put a smile on your face for years to come, er okay rather weeks to come. I buy something for someone else and then I buy something for myself that's how it's always been. This year has been a completely different story. With the cost of everything going up, up and away, I've had to tighten the purse strings for extra things like shopping :( Let's face it everything has gone up, condo fees, property taxes, regular taxes, gas, food - everything! Wages don't necessarily go up to reflect the current increase in everything which is really crappy.
I'm the opposite of the expression "Good on Paper". I look great when you see me in person. I make an excellent first, second, third impression to infinity - always, that is until I have to go into a bank for a simple thing like an increase to my overdraft. You walk in all confident and they make you sit and wait in this little office, while they print out a long list of all your transactions and then ask you questions that they very well know the answers to, simply to make you feel bad when you're caught in a lie. Banker, "What is your current salary?" Me, "I make er $75K a year". Banker, "It says here that you made a monthly deposit of $700 last month". Then they show you the long list and you look at the "Banking Specialist" with a confused look and say, "That's not me, there must be some mistake". "Did I tell you that I'm the opposite of good on paper?"
So here's the crux of the situation. When you take two years off from the work place (because the company you worked for was suddenly sold), you tell yourself that the universe is telling you that now is the time to finally finish that damn degree, as that will help in securing an even better job. So you go full throttle with the task of completing a Liberal Arts degree you started in 2001 (part time), and are over the moon when you finally graduate in the spring of 2011. But wait, as it turns out this actually guarantees nothing in the market place apart from personal satisfaction. Apparently employers don't give a crap about whether you have transferable skills and an Arts degree to back it up with. So forget about finding your "dream job", it basically comes down to anything and everything that pays, because the bills don't take a hike just because you don't have the funds. So then when your uncle asks you why you didn't become a lawyer, you say, "Let's see, because it took 10 years to get my undergraduate degree on a part time basis, while I worked full time and paid for it on my own". In your head, you give yourself a window of "I'll make it big at 25", when that doesn't happen, you tell yourself 30, when that doesn't happen, then it's 35, well you get the gist. So now you convince yourself that a steady job with health benefits and a small monthly allowance for clothes, or entertainment or groceries will suffice.
People with money often say to people without money, "All you ever think about is money". A cold and detached statement made by rich people who are completely unaware of the struggles that ordinary mortals have to endure on a daily, weekly, monthly basis. It's true that most of us do live pay cheque to pay cheque to make ends meet. It's precisely for this reason that our credit cards & lines of credit have become our closest friend. During this blissful time, when everything is a haze, credit cards seem to understand us and are there for us. It's as if a spell has been cast to muddle the reality of what's actually happening, but we don't question it and blindly pay the crazy interest until we can't. When we need to feel better about ourselves, we buy a lipstick, a dress, a pair of shoes. My Russian friend Karina always says, "I hate living alone". (it's only been a year). "After I'm done paying my mortgage and all my bills, I barely have anything left to eat". After a 5 minute pause, "Did you see my new Prada shoes?" Me, "I thought you just said...?". Karina, "I had to have them, it's an investment for $1,000, I got them on my credit line".
Sometimes, credit cards serve as a pseudo income during a time of need, loss of a job, a car emergency, a home emergency, or to compensate for the shortfall of bills for the month. Or sometimes, it's just simply to feel better about ourselves and to cheer ourselves up temporarily. For me, shopping is the ultimate high, I'm euphoric when I've had some good shopping & great deals, and then I crash... I never understood that when you don't need a credit card or an increase to the card, that's when it's automatically offered by the credit card companies and banks. And, when you desperately need an increase to get you through a crisis, the door is completely shut. How is this fair, that is the question? Money doesn't grow on trees, but money does make the world go round.
Moody Girl Out.
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