It is said you should not talk about politics, sex or money in public settings or with people you do not trust. I have had people absolutely freak out in the past when I have asked them how much they earn. I suppose given I am Gen-Y, I really did not consider it to be a rude question, I was curious, I also never became jealous at someone else’s wage. We weren’t doing the same jobs, we had different industries and qualifications, why wouldn’t I just be happy for my friends?
In terms of gratitude, I might take a different route here.
I am thankful for how my parents taught me too look at and deal with money.
We were not rich, my parents worked two jobs each at any one time and my Mum was back at work within two months of having her babies. They worked so hard. They did not complain about it, it was instilling in us that there are no hand-outs. If you want something, you need to work for it.
When I was 14 and 9 months I started working. Here in Australia and back in 2001, that was the age you needed to be to start working. My parents had pretty high expectations of me in terms of being accountable with money. My first pay week I was paid $64 (such a strange thing to remember eighteen years later).
I remember paying $40 for a Billabong school bag, I bought a coke and a couple of magazines and that was that, pay gone. Yes, I said school bag. I had an old bag from a proper bag shop but I was 14 and I too wanted a brand-name bag. It was sky blue and gorgeous. It was completely impractical, squashed all of my things and was not comfortable but I was so proud that I had paid for it.
The next pay Mum and Dad let me know I would need to pay board weekly, buy my own toiletries and anything else I wanted. I had so many people around me freak out about this. They thought my parents were being unfair. Which they weren’t.
I have had a budget since I was 15, I know what needs to go where and when. I had an ING account at 16, long before it was easy to do so. That’s not to say I have been super responsible with money, I have absolutely blown the budget, ended up in debt, paid interest rates which would make your eyes water and purchased a stack of sh*t I in no way needed.
I’ve also travelled around the world. I own my car. I have a few clothes, not from k-mart and I have a photography kit I am very proud of. My spreadsheet is still going strong, I manage my money well, and I have such a healthy appreciation for working for your money.
I work my butt off, I have my side business selling accessories for a very small profit which I donate to charity. I married a man who treats income and money the way I do. We have goals and plans and we know that we are the only ones who will achieve them.
The world owes you nothing. You are responsible for your own financial situation. Of course, I am not including anyone who has been the victim of fraud or who has been financially dependent on someone and had that taken away, but from two people who were raised by four people who still work their arses off to live the life they want, just know that you can do it.
My tips *not at all endorsed by any financial advisor or with any actual technical knowledge*
Short-term payday loans are a horrendous thing. Do NOT do them. You will absolutely screw your credit rating and if you are not diligent in your repayments you are looking at incredibly high-interest rates.
Afterpay is NOT responsible for your debt. You are. Afterpay has been set-up to provide a take-home lay-buy service. You read the T&C’s, signed on the dotted line and committed to your repayments. If you end up taking on more than you can repay, then I am sorry that’s on you. It is not a financial ‘trap’, there is absolutely no additional money you need to fork out if you make your repayments on time.
Do not avoid debt collector phone calls. They are legally obligated to strike a deal with you to repay your debt. Ignoring these calls does not make the issue go away. It becomes more expensive and you are seriously jeopardising your credit rating in doing so. Take the call, accept responsibility and come to an agreement.
Do NOT declare bankruptcy there are always steps before this. Declaring bankruptcy may seem ideal because in some circumstances they ‘wipe’ your debt. Do you know what else is wiped? Your right to travel internationally, work in any insurance or banking field or obtain any credit for who knows how long!
Ask for help, speak up – contact your bank. As for extensions, ask for help. Stop taking debt. Know that you have choices, always.
Gratitude Journal – Day 4 -Today I am grateful for
Is there anything you could be more thankful for, aside from being given the day to be asked this question? Even though some days are so incredibly difficult and dark – we are still able to answer the question.
For me, today I am thankful for having peace. My mind is at ease, my anxiety and depression are controllable and I am currently listening to two of my favourite people laughing in the other room.
I am able to sit and write, to go through photos I love, to plan for the future. To respond to my friend’s messages with ease and with want.
This week has not been perfect, my emotions have not been perfect but today, today I am at peace.
My Husband and I are making plans for the future, plans which are far more attainable than they were only 6 months ago. Our lives are improving every day, our relationship goes from strength to strength and we are surrounded by people who love us, love for us and love with us.
I actually don’t have one? I would say that Brisbane is home, but there certainly is not a suburb or town that I would equate with ‘hometown’.
By the time I was ten we had moved ten times and I was already up to my fifth school. To define a home ‘town’ is too tricky. So instead, I will write about home.
Home was always where Mum was. We had learned from a young age never to have too much attachment to a place, a room, a tree or a house. Our home was our family, wherever our roots were at any one time.
Home was where the sounds of music blasted when Mum was cleaning or cooking. Home was where the smell of Dad’s work shirts and Mum’s perfume was. Home was where the three kids fought tooth and nail for the first/last/longest shower. Home was where after dinner the three of us would battle over who was doing the washing up, the wiping up and the cleaning of the table and chairs and benches (washing up was the best because you were in and then OUT – I hated drying up).
Home is where our good mornings, goodnights, Happy Birthday and Merry Christmas’ were said. It is where our dogs, Lucy and Gina were. It is where the five of us built our lives, and more importantly, lived our lives.
Home is where we would steam our faces over Tupperware bowls with Eucalyptus oils when we were sick, or fight to the death over finishing the cake batter from these same bowls. Home is where the house phone cord would be dragged from one room to another, the curly curd under a closed door – teenage conversations ongoing throughout the night.
Home is where I dragged my suitcases of saved magazines from residence to residence throughout all of those years. It is where I would rearrange my bedroom as many times as possible. Where I would adorn every wall/ceiling and cupboard with posters. Where there was always a huntsman to find before it found you.
It was where the air conditioner was only used on Christmas Day. Where caramel sliced was sneaked from the fridge at all hours of the night. Where coffees were zapped in the microwave and corned beef was only made outside. It was where there was a mad dash to the spinach quiches
Home was where Chrismas carols were blasted from the TV and Christmas presents brought out to be placed under the tree. Where little hands would reach in the dark to Christmas sacks to try and work out if Santa had made it, and what had he left.
Where Sunday pikelet mix was made, Monopoly games were played and loud, happy and mental laughing occurred.
How blessed we are to live it, to wake up each day and know that we get another chance, another 24 hours.
I have been having some pretty shocking struggles in the last six or so months. So rather than sitting here struggling to think of topics to write about, working out what rabbit hole to send my mind down instead of circling the drain – where to go intellectually, emotionally and spiritually. Instead of uncertainty, confusion and the back and forth nonsense, I am going to focus on a 30 Day Gratitude Challenge.
Wish me luck, and please tag me in your comments or share my posts and let me know what you think.