Tuesday, June 21, 2016

Bingles Cost Bucks

So, I was in a little car prang today.  Nothing at all serious, it was in a car park.  Took on a concrete pole and came off second best.  It's surprising how much damage you can do to your car travelling all of 3km an hour!

Anyway, after I did a little yelling at myself for not judging the entry corridor properly, followed by a brief 'why me' moment, I went about calling RACQ and my insurer.

The RACQ man determined straight away that my car wasn't drivable.  I think the fact that I couldn't open the drivers side car door and that there was a sharp metal piece of something rubbing against my tyre gave it away.


Pole 1 - Kevin 0

I relayed this information to the insurance company and organised a tow truck.  Then, the lady on the phone advised me that I would be up for a $600 excess, plus I would need to have $200 available on my credit card in order to pick up a rental car.  My heart sank.  Sadly (and somewhat embarrassingly for an 'independent' young lady), I don't have a spare $600. Until last pay day, I didn't even have a spare $200.  I have literally been living pay cheque to pay cheque, just praying that nothing goes wrong, and if it does, then praying that they have a 14 day payment policy.

Lucky for me, I have very supportive parents who get me out of trouble when I need it.  And while I know they are happy to help, the point is that they shouldn't have to.  That familiar sick feeling in the pit of my stomach I felt today when I realised I didn't have enough in my account to cover it by myself is something I don't want to feel again.  In a way, Kevin's (Kevin the Kia is my car) bingle with the pole acted as a huge incentive, a kick up the butt if you will, to keep my eyes on this goal to save enough money to buy a house.  The goal scares the s*#$t out of me, but it excites me even more.

Last pay I saved $100.  I know it's not much, but it's a start!  And it's a massive improvement on what has happened with previous pay packets.  Really, that's all that matters, I'm on the right path!

Moral of the story, go me on the saving front.
Not go me on the driving front.
Can't win 'em all, right?! 

Monday, June 6, 2016

The first penny is the hardest penny

Sitting here writing this first post, I’m overwhelmed with a strange and confusing mix of emotions.

I recently made the decision to move back in with my parents to try and save enough money for a house deposit.  Last night was my first ‘official’ night back in mum and dad’s house, and while it was comforting to be in a place that I knew and loved living in for many years with my wonderful parents, it was also a bit deflating.  I’ve been living on my own for the past two and a half years, and have always been really proud of the fact that I’ve been doing it on my own.  I am fiercely independent (perhaps akin to being a bit of a control freak), and can’t help feeling like this latest move is a step backwards.  Regardless of the fact that I know the long term gains of this strategy are massive, it was a hard decision for me to stomach for a good few months.  In the end, I knew if I didn’t do it now, I probably never would, and in a few years I would be in the exact same situation I’m in now.  That situation would be broke and going nowhere, which for an extremely goal orientated person, just feels completely crap.

So I did it.  I moved home, and I’m now sitting on my bed, in my old room, trying to convince myself that it was all worth it.  That the ‘what time will you be home’ texts I will inevitably get from mum are just her looking out for me, not her trying to stifle my independence.  That the change of rules for my dog and cat will be good for them.  That the way my dad cooks spaghetti is just as good as the alternate way I cook spaghetti.  That removing myself from a huge part of how I defined myself was actually in my best interest.

Now, I don’t want people to think for a second that I’m not happy with my parents, or that we don’t get along.  We do, and I feel extremely blessed to be part of such a tight knit family, and a family that would open me back into their home with open arms.  The only problem with getting along with my parents so well, is that it’s because we’re exactly the same people.  Mum in particular is my older, slightly shorter clone.  I’ve been lucky enough to inherit her stubbornness, her tenacity and her sometimes profound inability to show the correct emotion in delicate situations.  And dad, well I inherited his often short temper and lack of knowing when I need to call help.  To some people, the traits I’ve just mentioned may seem like negatives, but I proudly wear each one like a badge of honour.  Because along with the abovementioned characteristics, my parents are above all kind, compassionate and the most loyal and hardworking people I know, and they have provided me with the best life imaginable.  They would do anything for me, which is evidenced by them letting me crash their pad once more.  That’d be tough even if I was some meek and mild kid that would just do what I’m told at all times.  That’s certainly not me.  I’m under no illusion that I’ll be easy to live with after being out on my own.  They have been doing things their way and I have been doing things my way, and we will inevitably have squabbles over which way is right.  But, at the end of the day, we will sit down together and I will get that warm and fuzzy feeling of knowing I am part of the best family a girl could hope for.

Anyway, the point of all of this is that I’m about to embark on the huge, immensely difficult task of saving a huge amount of money to enter into the biggest and most important purchase of my life.  The issue with that is I suck at saving.  Most things in my life I am able to achieve if I put my mind to it, but the art of budgeting has always eluded me.  Partly due to the fact that I own a horse, which seems to cost more than supporting a family of heroine addicts.  Part of it is because I like nice things.  I like to look good and feel good when I’m going to work.  I like to work out in clothes that make me feel fit.  As selfish as it may seem, I like people to think ‘she’s got her shit together’ when they see what I wear and how I present myself. 

The other thing I like to do is buy things for others that are way out of my price range.  This might be in the form of one big ticket item (like spending $250 on a present for a boyfriend who refused to even let his parents know he was dating me) to feeling the need to buy lots of people coffees or cake or flowers just because I’m worried they won’t think I’m a good person if I don’t.  I get a huge kick out of knowing that something I’ve done or bought, has brought someone else joy, even if it’s fleeting.  It heals my soul, but it hurts my hip pocket severely.

I suppose the good thing about what I’ve just mentioned is that I recognize I’ve got a problem.  They say that’s the first step, right?  I’m not sure I even know what the next steps are yet, but I’m excited to find them out.  And I figure if I’m writing this blog for others to see, it’ll help hold me accountable to my plan to save all my pennies.  I’ve made my friends aware that I’m turning into a tight arse, and that even if I can’t shout them drinks I still love them and hope they love me.  I’ve cut back on the amount of horse competitions I plan to go to.  I’ve given myself a goal of only buying one ‘me’ item every two months (this could be anything from a piece of clothing to a massage to shouting myself dinner – with a max spend of $70 allowed).  All in the name of the ultimate show of independence.  Buying my own house.  Owning my own little slice of heaven that says to the world ‘this girl, she’s got her ducks in a row’.  But most of all, by achieving this huge goal, I’ll be able to say to myself ‘I wanted to do it, so that’s what I did’.

So come with me on this crazy journey - I promise you it’ll be full of ups and downs, just like a good, whacky book.  I promise to be honest about my stuff ups (I’m sure there will be many) and gloat just the right amount about my successes.  And if you’re lucky, when I achieve my goal, I might just shout you a coffee – if mum lets me use her coffee machine and you BYO mug.  See, I’m learning already!