Speaking as an adult

I think I'm the only 33-year-old alive who can't keep her finances straight. *Sigh* I hate being overdrawn. Again.

It's not like this is the first time it's happened, obviously, but since college, I've had this constant worried feeling in the pit of my stomach that I'm broke or soon will be. I had virtually no debt then since my parents paid for my school, but if I didn't want to live in the dorms - and no one did after freshman year - I had to get a job and pay for my own rent and books. Neither was cheap in my never-having-done-this-before opinion.

Still, it hardly compares to flashing forward to the present where I'm a 'real' adult these days. Apparently, that is what debt and bills and planning for retirement make you.. well, ok, 2 out of 3 isn't bad.. right? I have credit card debt I'm paying off - miniscule to some friends who owe literally ten times more than me and I'll be done next January, the car payment - and get this.. the car is worth $4K less than what I still owe on it.. yeah, nice! - car insurance for said worthless vehicle (If you ever heed ANY advice from me ever, please, for the love of all that's holy, DON'T BUY A FORD!), monthly gym fee, and the ridiculous cell phone package I have that 'saves' me money when I call my friends in BC. The saving part is actually true, tho the plan is still fucking expensive.

Let's not forget besides those bills, I still have to pay to live. Food, toiletries, utilities - gas, water, sewer, garbage, and light - tho since I've moved, we have yet to be billed and we're bracing ourselves to see what that will amount to when it comes in its 2 month increments. But truly you'd think that since I haven't paid utilities since the end of June cuz of all the cluster-fucked living situations I got myself into when I first moved that the benefit of those would be that I would've had some money left over.. and you'd probably be right.. except uh... yeah.. I don't. Um.. must've spent it.. hmm.. damn.

And where, with all of that I'm required to pay, do I find the cash to front the rest of the needed things in life.. like dinners out, wedding and birthday gifts, new clothing and shoes, haircuts and dyes, and you know, general socializing which requires extra money for covers, drinks, and coat checks? I don't.. not really.. and let me tell you how much that sucks.. A LOT! I don't go out nearly as much as I used to when I had a used car that was paid off or before I was laid off like 3 times in a row, which is how I acquired said credit card debt cuz you know.. unemployment really doesn't pay all that much.

When I have money, I spend it. It's that simple. Savings account for rainy days, retirement, Christmas.. uh.. what's that? I don't have one. Yes, I know.. I KNOW.. STUPID! But I don't make that much comparitively to the rest of this area's population from what I understand. Not that they should be put down for what they're making at Microsoft, Boeing, Washington Mutual, etc.. but I have tried to find other things that are more lucrative.. and, at least in my opinion.. having, for example, applied for an open position at the Gates Foundation where you have to KNOW someone to get an interview and I DID and STILL didn't get a call... it's not easy and I feel like what I have I should keep cuz I need it right now. But I realize there's nothing to cushion an unexpected car repair, kitty illness, or even the positive and fun things like *gasp* a vacation! I'm just afraid to have less now by planning for the future cuz as I discovered recently while checking my rights as a renter, I sort of make less than what is considered to be 'low income'. The ceiling for low income is actually $3K more than what I make now.. uh.. yeah. *Sigh*

So, the next RESPONSIBLE step I'm taking is talking to an advisor. Yes! Can you believe it? I'm going to take responsibility for myself instead of calling my mother.. and yes, go ahead.. make fun of me for calling her to bail me out once in a while.. or another friend much more established than me - and you can poke fun there too cuz there are currently two of those I owe more than $100 to cuz they saw the situation, wanted to help, and love me completely unconditionally. But when I've been more financially stable, I've also been the on the receiving end of those could-you-possibly-lend-me-I'm-good-for-it conversations and at that point you have to understand the key to lending any friend money is that you can't expect to be repaid. Not that it's a gift, but if you need that money, I recommend not lending it as it will not come back to you quickly and no one wants a rift that could damage the friendship beyond repair. No, not a good thing.. far from it..

Luckily, and coincidentally I might add, a lovely Fidelity man came by our office to discuss financial planning. He gave us a little survey to fill out that asked us if we'd be interested in .. well, planning, um.. financially.. for ourselves.. and since I can't seem to budget myself well enough to keep my ass in the black, I said yes. Like.. duh. And they called me last week, but I was so busy I haven't called them back.. which will also be remedied tomorrow, first thing, when I get into the office.

Um, hi, Fidelity.. yeah.. can you help me be an adult now? Yeah.. thanks!