If I’m so clever why am I also such an idiot?

Once again I feel like human garbage. This happens often. Today it has happened because I can’t keep all our finances in my head.

That is how it’s done, right? You know how much money comes in. You know what all the bills are. You keep a running total. You pay the bills when you have money and you know how much you have left over. It’s not rocket science. My parents did it. My Mum still does it and she’s on the other side of 70.

But I just can’t make it work. I’ve never been able to keep it all straight in my head and it’s not because I can’t count. I’ve tried to externalise since the other way wasn’t working. I make notes in my diary. I have reminders on my phone calendar. I have a banking app that means that I can check how much money there is at any given moment and move it between the current account and the savings account.

It all seems very organised it but I keep running into the same problem. I want to buy something, or we need to buy something, or my spouse wants to buy something and I keep making the decision based on how much money we have right now. Not on how much money we’re going to have tomorrow, or next week, or on whatever mystery date the next bill needs to be paid.

Yes I do absolutely understand that I am poor and therefore I should never spend any money on anything that gives me joy. But there’s a limit on how many times you can say no in a day There’s also a limit on how long you can live with no joy.

Also I am weak and stupid. I must be stupid. Managing money is so easy. Everybody says so.

Advertisements

2 thoughts on “If I’m so clever why am I also such an idiot?

  1. Not sure if it would help but have you tried making a monthly spreadsheet of all you incoming and outgoings? It really helped me get a better idea on what i could afford and not.

    If any surprises came along i was able to add those in and factor them in so I knew that i would have to scrap by that week,

    Liked by 1 person

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Google+ photo

You are commenting using your Google+ account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s