Swimming In Debt Is Cool If You Just Pretend Everything Is Fine


 

I have known so many people with that philosophy. They don’t have very good lives in the end – they foreclose on their homes, lose their cars, die of heart attacks at 40… but in the moment that they live it, where they swim in debt while pretending everything is fine, they really are happy.

And how couldn’t you be? Exotic vacations you can’t afford. Boats. RVs. Long weekends. Hair and nail appointments every week. All the while completely oblivious to the fact that sometime, at some point, you will actually – yes, this is real – have to pay all that shit off.

I, personally, can’t live like that. I am excessively frugal, to a point of absurdity. I think I learned it from my grandmother, who was most known for going to buy Diet Coke when it was on sale in her red pick up truck. She would pull up in her driveway, and open the back of the truck for us to see an entire truck bed lined with 2 liter bottles of Diet Coke that she had bought on sale. We’d all have to help her load it into the garage, and she would be set until the next time it went on sale.

So now, taking after my grandmother, when our groceries are delivered, and we get 75 boxes of Macaroni and Cheese, or 200 cups of applesauce, my husband always thinks I’m insane.

I also find myself envious of local family and friends, who get Botox while my crow’s feet under my eyes grow deeper and deeper. Or who get their eyelashes and nails done every two weeks, while my toe nails typically look something along the lines of what you would find on an elderly gargoyle. I wear make up maybe once a week, because there’s no need to waste the money on it if I’m not going anywhere; and my hair…well…let’s not go there.

Typically, we don’t take exotic vacations either. We don’t do trips to Cozumel or Europe; and sure, we have our family weekend trips out of the area, or occasional vacations to places like the Grand Canyon or to use our Disneyland passes. But it’s always carried with a sense of frugality, including always finding places we can stay where I can cook our meals to save money on eating out.

My kids and husband get haircuts by yours truly, and absolutely every single one of my purses was purchased at Target.

I think you all are getting the point: we live on a tight budget, and we don’t go for all the extra unnecessary things. This is all done so that I can stay home with the kids, and so that my husband can work in his industry of choice (film, a volatile and sometimes poorly paid industry to work).

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You can imagine, then, my frustration when we start getting socked with bills, and they just keep coming and coming and coming, and in spite of all the cuts and the tightening of the belts they just get worse. It seems wholly unfair. As if I have not sacrificed enough, suddenly our insurance doesn’t cover something they always used to cover and we have a $410 bill with a due date 10 days from now (and a hospital absolutely refusing to negotiate). I get a bladder infection, and the urgent care – who is legally required to notify us if they are sending out the “sample” does not – and they send it to a lab out of our network, and we get socked with another medical bill that is beyond reasonable, with everyone saying “tough shit, that’s life.”

Then our water softener alarm starts going off, and we find out the filters need to be changed even though we literally had no idea there were filters in the thing. Then one of our kids gets sick and – big surprise – the medicine she needs isn’t covered, and beyond that I have to spend a whole tank of gas driving all over the place looking for a pharmacy that has it. Then a short in our garage refrigerator triggers a chain reaction of all the things in the garage going out of power, which we don’t catch for over 48 hours and literally thousands of dollars of food being stored out there (between the fridge and the deep freezer – see previous notes about buying things on bulk when they are cheap) ARE RUINED.

It just never stops. You think everything is fine, you are in a good place and everything is working out and then a domino effect begins of one costly thing happening after another, until you finally get to a point where you just want to do what everyone else does and pretend like everything is fine.

Sure, we just lost thousands of dollars in food and I have no idea what we are going to do to replace it…but I’m going to go get my nails and hair did anyway.

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I mean yeah, tons of medical bills are piling up and we have probably $1500 in unpaid bills that suddenly found their way to our doorstep this week, alone…but I need a vacation, so let’s go on a little weekend getaway.

My current purse just ripped a huge hole in it, one that could arguably allow money to fall out…so rather than worry about the food and the medical bills and the electricity issue in the garage…I think I’mma just go get me a Coach purse because – honestly – every time I see someone carry one, I tuck my Target variety bag under my arm in shame.

Because this is California and your handbag is about as important as your position in life will ever get [sarcastic eye roll].

No matter how much I joke, though, the reasonable me just can’t do it. Instead, I sit here hours on end worrying about where the fuck all this money is going to come from, as my husband gets sent home from work earlier and earlier every night because it’s the slow season for movie trailers (and he is hourly, so an early night means…you got it, less pay). I contemplate going back to work every three or four days, but then spend an entire day working out the expenses that would be involved in doing that (daycare for the kids, extra commuting cost for me, and so on), and THAT doesn’t make any sense, so then I go back to worrying and trying to find any fucking sale price ground beef and ham steaks I can buy in bulk and freeze just to make myself feel like our finances are getting back on track, once and for all.

This is where I’m at right now. Swimming in debt is NOT cool, but I wish it were.

 

 

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5 Comments on “Swimming In Debt Is Cool If You Just Pretend Everything Is Fine

  1. This has really resonated with me, we live on a really tight budget and watch many of our friends and family on a constant spending splurge and sometimes it sucks. But we try to focus on the positives, like having our own home. I think people laugh at us because once a month or so we go out to a relatively low key chain restaurant for dinner as our ‘treat’ but I say the joke is on them, it only costs us £30 to go out and feel like we’ve done something special, nothing is special when you drop hundreds of pounds on a load of shit you don’t actually need every other day!

    Hang in there x

  2. I hear you! This was an expensive year for me we did take a nice vacation, but I also just had surgery and medical bills….now my brother in law is getting married in Vegas early next year (we live on the opposite coast). We won’t be attending! It comes in waves and it sounds like you’ve hit the top of that wave.

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