Every payday I sit down and feverishly write down our expected expenses and what might be coming in for the next two weeks. I get excited when my budget ends up in the black and post it in the side of my fridge, eager to follow along.
And then someone needs to go to the dentist, or I blow a tire, or I forget that I have a hydro bill, and the numbers inch closer and closer into the red, and the distance between pay cheques becomes further and further away.
As my anxiety climbs and I rearrange numbers trying to figure out how each bill will get paid on time. I watch people planning lavish trips, buying brand new wardrobes, and going to the spa weekly.
Is it because we don’t have credit cards? Or are we doing something wrong in our budgeting.
Could I be going on lavish trips yearly? Or even paying my hydro bill on time?
As the cost of living climbs so does our stress. Discussions held with family and friends lead to implications that my husband and I should make enough money to cover our bills. How could it be possible that with good jobs we can’t make ends meet?
Well with my crack addiction it’s very hard.
My drug of choice is food.
The economy that we’re living in now is nothing like the one we were living in when our parents were finishing high school and going into full time jobs. We are now experiencing more job loss than ever before and our family alone has seen three lay offs in under five years.
We are paying an astronomical amount for daycare, our cars, and our mortgage and then on top of that the price of living continues to climb.
We have cut corners, cut bills out, cut the grocery bill down, and tried to cut costs at every degree.
We are still struggling.
And I know we aren’t the only ones, but it often feels like it.
Our generation, the ones who are being responsible with their money, who aren’t living on credit cards, and who are really trying to dig themselves out of house and living expenses, are finding it harder and harder to stay above water.
The more credit we approve for people who can’t afford it the further in dept we force those who are living credit card free, and the higher the cost of living goes, causing us to struggle more.
So tell me your secrets for living in this economy.
Is it really just me?