This month has been expensive for us. I have that familiar feeling of dread about the coming VISA bill. I don’t even want to go look at how much it is. If I didn’t have $5K coming from my 125 FLEX spending account I’d be in a total panic right now.
I haven’t had this feeling for a long time. I forgot how much I hate it. How small it makes me feel. How it dredges up feelings of hopelessness and failure.
I don’t understand why I can’t just figure out this spending shit. My habits are so deeply engrained, I don’t even stop to consider a possible alternative until it’s too late. After I bought the bunk bed I mentioned it to my mother and she lamented the fact that I hadn’t called her first because a couple of families on her school’s listserv were trying to get rid of beds, and one was even a bunk bed. I hadn’t even considered asking her to put it on the listserv. Heck I didn’t even consider checking craigslist first (I did think about looking for a second mattress used but ultimately decided against it–used mattress (from people I don’t know) weird me out).
I spent a lot of money at IKEA. A lot. Sure, in the grand scheme of things, it wasn’t that much, not for how much furniture I got. And my daughter really did need a new chest of drawers. {Hers was from my childhood (an IKEA purchase by my parents when we lived in Hong Kong!) and the aquarium filter had malfunctioned a few times and soaked the whole backside with gross fish water. The drawers barely opened or closed and it was a source of grief for everybody. Getting her a new chest of drawers was not an impulse purchase, by any means, but still, I could have been looking for something used.} So yes, it was a reasonable amount for what we got, but it is still A LOT. More than we can cover without using some of that FLEX spending money, at least when you take into consideration all the spending we did for Christmas.
The thing is, I never even thought to see if I could get a bed, or chest of drawers, used. I do look for things used, quite frequently actually, but I don’t have a lot of luck finding what I need so I guess it’s not my go-to plan of action. But it should be.
2017 is looming. I was excited for it–I believe I mentioned my birthday being on 7-17-17 and turning 37 and how 7 is my lucky number–but now with Trump coming into office it has definitely lost its luster. Part of me wants to make 2017 a financial success for me, for us, to counter the bleakness all around us. Part of me wants to commit to doing it this time, really doing it, so that I can look back at this point of next year and feel proud, and thankful. But I don’t think I will, because if I do I will most likely fail, and then 2017 will be even worse than I already imagine it will be. I’m so sick of failing. I’m so sick of letting myself down.
And then I try to talk myself up, to tell myself that I can do it. That I will do it. This time, it will be different. But why should I believe that? I’ve attempted this so many times before. If something isn’t radically different–a new salary forcing us to spend less, talking about it in therapy every week–why do I think I succeed now?
I am putting considerably more in my retirement fund, starting this month actually. So I guess there is that. And I do have some long term goals I’m working towards–the trips to Spanish speaking countries I want to start taking, for one. And I would love to not feel handcuffed to my job’s salary, especially if I found something I was really excited about that paid a lot less. So I do have real reasons to spend less, and yet I don’t think it will matter. Besides the upped retirement contribution those are all abstract, distant goals. I don’t seem to know how to use them to sway my in-the-moment thinking.
I’m just so tired of feeling like a failure. And the only way to avoid feeling like a failure seems to be giving up. Maybe that is what I should do. Just give up and accept that I will never have control over my spending, at least not in the ways I want to, and hope that we still end up relatively okay. I haven’t bankrupted us yet. Maybe whatever middle ground I’ve found is enough. It won’t get me where I ultimately want to go, but we probably won’t end up bankrupted either. Maybe I should see that as success, or at least not consider it failure.
