I really haven't blogged that much lately as I really don't have much to say. I am really feeling like I'm falling into a funk at the moment. I tend to have one problem hit me like a tonne of bricks and all of my walls seem to fall down. take my home telephone issue for example. I couldn't afford to pay the bill this week and that seemed to have caused a rippled effect. I feel like everything is behind but in hindsight it really isn't. Why can't I just see that its the phone service only. Why do I make everything into such a big deal? Why do I make drama for myself when I want to be a 'no' drama queen? I guess the problem being is that my home service also includes my pay TV, my broadband connection and my mobile phones. As you can see with all of these services connected the bill becomes very large every month without let up. So if the home phone is late and I lose service, I lose it on everything. Why did I not think of this before? So now I'm thinking of breaking my contract with the phone company (well my contract for pay TV, mobiles x 2 and Internet) because having them separate seems to be the better thing to do and I have also found that I can get a better mobile deal elsewhere for both mobiles which in the end will probably work out cheaper. I just hate the idea of changing numbers. We always seem to change number! I can never seem to have it together. I am always behind the eight ball with money and I hate it. I refuse to live this way any longer. Truth be known it is probably one of the reason's I am over weight, you know you eat to forget, forget about the mounting debt you have piling up, I spend to forget that I can't have kids, its a vicious cycle. This too is why I think I fail at dieting, what if I loose weight and still can't fall pregnant? I think I keep that as my last resort to use as an excuse, the fear of still failing to have a baby. If I lose the weight and it doesn't happen I will have to face that I really won't be able to carry a child. That's not an option for me.I have also been thinking about my life in general. I hate working but then I know I have to work to be able to live. Its terrible but I really want to be the person that earns money so that she can 'enjoy' her life not just work to pay the bills and have nothing left to 'enjoy' life.
On the train lately when not wanting to go to work I have been reading a dieting book/life change book by Bob Greene, the PT that helped Oprah. He writes that you need to face what is holding you back. About all the excuses we give ourselves, about doing things that we don't want to do but have to get through. That we need to stop making excuses for our actions and take action. I have realised through reading this book that I do have to make some changes in me. I am the excuse queen.
*If I have to work (which I do) my job isn't the worst place to be
*If I want to get anywhere with money I have to stop spending it and make a plan
*I can do this, I just need to be real to me and others around me
*Stop trying to be liked, if they don't like me stiff, its not the end of the world
*Build me to be strong, inside and out
*Stop being the sounding board for everyone else and be the sounding board for ME
*Stop taking on others problems when I have enough of my own, they aren't going away no matter how much I shut them out
Sorry about my ramblings but I really didn't think I had much to say but I guess it was really just a verbal attack on myself, I needed to say it or write it down somewhere to purge.
1 comment:
Hey Clarkie. You havin a bad day luv? Hugs. Would you like some help with a budget. 6 years ago we had negative money in the bank. I spent every cent we had and then some. I worte bad cheques. I had us in a real bad place. My poor hubby had no idea what was going on and I would just lie whenever he asked me cause I didn't want him to know what a mess I had made of things.
Anyway I am much better now and we have all our bills covered including Christmas and birthdays for the kids. It was a real pain in the arse to get it sorted out especially as we had no money to start with.
A quick run down on what we did.
we worked out how many pay periods we had in the year. For us it was 26. We then looked for what our most expensive phone bill had been and added that up to a yearly amount and divided it by 26. We did the same with our power, insurance etc. Anything that came less than once a month or yearly was divided to a fortnightly amount even our monthly stuff was divided into a fortnightly amount and that was how much we had to put into a SEPERATE account for bills. We discovered we hadto give some things a miss such as pay tv as it was just a luxury we could not afford. Hubby's beer and smokes were budgeted for and it was up to him to make sure he didn't go over his quota. We also had a strict shopping budget and for the first months kept all the dockets so we could work out exactly how much we were sending on shopping and how much we were wasting on stuff we didn't need. It was hard and we fought a lot. But it has been worth it.
We are now paying off a house which we never thought we would do, we have 2 cars and a new boat and things are not so much of a struggle.
Also if you have credit card bills tray and get rid of them as quickly as you can. And don't use them unless you know you can pay it at the end of the month. In my opinion banks have a lot to answer for in how many CC's they issue people and the limits they put on them.
I hope I haven't preached too much and Ihope you feel a bit better now. I raelly wish I could do something for your fertitity issues. that must be an awful burden for you. Unfortunatley there is nothing i can say that will make you feel better about that.
Ronnie
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