I know that a lot of people are struggling financially since the whole economic system sucks right now. But, we were cutting it close before everything started going downhill for everyone else. Needless to say, its been hard. Some months are harder than others.
Sometimes I avoid the phone calls from collectors – they gotta know that caller ID hinders their ability to talk to a real person. Rarely I answer the calls and basically ask them how to get blood out of a stone.
Sometimes it works out for the better – like my Discover card; I’ve got a payment plan worked out with their collections department which is a smaller amount than the original monthly bill. Sometimes, when I do answer the phone, by the time I’m done talking I want to scream.
I know I’m to blame for some of this. I’ve not been notorious for keeping a beautiful checkbook register… or even keeping a messy checkbook register. I’m very guilty of relying on my no-where-close-to-perfect checkbook register in my head only, and checking my online banking only once in a while. Honestly, I used to be pretty good at this game… I rarely had trouble keeping things in the black. Of course, there used to be a little more money in the account to play with… not oodles, mind you, but enough that a minor miscalculation wouldn’t of pushed me over the edge into the red.
Here recently, I’ve bounced some checks. Only one was bounced knowingly, sadly. Most happened because my ‘perfect recall’ of my balance (which is never ‘perfect’, mind you) is less than what is really in the bank – my mind has yet to make the adjustment for the lesser amount of money being deposited, I’ve decided. Whether or not that is true doesn’t matter to me.
Why did I allow myself to go through this mess for several months before finally breaking out a brand new check register, literally just yesterday, and recommit myself to doing banking the old fashion way… that has worked for most people for eons now.
I’m making sure to collect my receipts from my debit card, and transferring them into my register. Okay, okay… I’ve only done it once. But, I’ve only used my debit card once since I’ve turned over this new leaf.
I’m ready to start taking charge of my financial life again. I’m ready to make sure I know where I’m at every moment of every day with my money. I’m ready to see the scary numbers dwindle downward, and wait (hopefully somewhat patiently) to see the numbers go up again.
I’m ready to have my phone stop ringing, and not because its been disconnected.
It’ll take a little time to get completely caught up. Hopefully with my tax return, which is not very big at all, I’ll be able to turn the corner.
If not, I’ll keep chugging away at it. Its not like the amount of money that is owed just disappears, yanno. Sadly.


