Living like a college student w/out the cute body I had in college

I'm $54 overdrawn in my account, I get paid in TEN DAYS, and I just called Ned to borrow $100.

I KNOW.

You guys. I cannot keep living like this. If you wanna call that living. Seriously, though, here's how it happened: I got paid last Wednesday. I paid the mortgage because it was due that day. I got my contacts, because they were ready and I hadn't worn contacts in weeks. You'd think I could just blow that off and be glasses girl, but I really have trouble copyediting with glasses on, cause I have to take them off to really see, and scootch way up to the computer, and plus also it hurts to wear headphones with them on, a thing I have to do because open floor plan.

So I got the contacts. Paid the mortgage. Got groceries. GOT THE SIX-DOLLAR EYEBROW WAX.

Then I had $54 till the NEXT payday, which I could deal with, and boom. Auto insurance. Automatic withdrawl. It overdrew me, and the FUCKING BANK charged me $36 for it.

God I hate banks. Why they gotta be such dicks?

The point is, I'm 51. This is insane. I spent until 9:30 last night working, trying to make extra money, but I can't keep working 11-hour days forever. I mean, I guess I could, but I assure you a tired copyeditor is a shitty copyeditor.

And remember when that realtor came? My house is creeping up there in value, but it's still not worth what I paid, and I wouldn't make any money selling it. So that's out.

Anyway. At least I'm rich in pet food. One of you sent me King Kamehameha amounts of it, and this morning I saw Edsel's food tin was low, and I panicked for a minute, but I looked in the closet and there was a huge bag of his Just Sex. I give him this Rachel Ray food called Just Six, but my hilarious joke with myself is to call it Just Sex. I know. All this talent, and I'm destitute.

I don't even know what else to do, you know? I've cut out all fun. I have no TV, I buy groceries and eat at home. I'm devoid of all injectables, which if you ask me is the biggest tragedy. I know a lot of other people feel the same way. Thank heavens we have a new administration to take us in an exciting direction.

…heh.

So say what you will about Ned, he's the only local friend I have who's sick with cash, and he offers to help constantly and I say no constantly, at least I did back when we used to speak. I didn't even know if he'd answer my call, but he did and didn't hesitate to loan me the money, and he also told me that my allergy bill came to our old house (why? I never went to that doctor before. Why did they think that was my house? why??), and it was $250 and he just paid it.

So that's going on. I always get smug judge-y people when I talk about m'cash flow, but my determination is to tell as much of the truth as I can on here without ruining anyone else's life.

Oh, also, Peg's daughter messaged me on Facebook. I'd told Peg my new number but she must have forgotten, and in desperation the daughter found me there. Apparently my full name is on Peg's power of attorney stuff, which I'm glad of.

The point is, in case you're not on Pie on the Face, Peg has been in hospital–as they say in England–and then at this rehab place (she's not DRUNK. Physical rehab) recovering from her ailments, and then yesterday she had another surgery. Peg's surgery yesterday went well, and soon she goes BACK to the rehab place.

Her daughter, who lives in Virginia, I think, has been schlepping here weekly and staying at Peg's, and I told her I'm right next door and can do whatever when she's not here. I also invited her over for coffee and kvetching if she needs to, and she said yes to that, so that'll be nice.

I hope I'll have coffee. "Hi, come on in. I have negative 14 dollars, so do you mind water? If they haven't shut off my water?"

So that's that. Also, we've had big, big changes at work, so that's been kind of stressy. Is the moon in Africa or Saturn or something? Are you going through chaos and upheaval as well? Cause this is weird. Everything's all fruit-basket upset.

I used to have this boss, who didn't like me, and that was a huge phrase with her: fruit-basket upset. It killed me. I'd have said, "fucked up," and right there's the difference between the two of us, and no wonder she didn't like me.

At least I have my youth.

Wait.

…I just got up to get more fascinating decaf (I'm almost totally decaffeinated now! This is the first time since I'm 16!), and I saw two riveting things. First of all, Steely Dan was chewing my flowers, that pretty pink plant Chris and Lilly got me a few weeks ago? (Big Book of June Events) I brought it inside cause it's been so cold, and there was SD, all chawing it, and I did the whole HSSSST! sound I do to scare the cats.

And he looked at me with nary a flinch. Kept chewing. HSSSST! has ALWAYS worked, even on Mr. Horkheimer, but SD? Nary.

So I took the plant back outside, cause it's supposed to be 79 today anyway, and as I was walking back in here, I saw Lily in the back yard, Lily my cat, which is good because if Lilly the person had driven 25 minutes to just stand in my back yard I might get more than a tad creeped out.

The point is, she was all hunched in a hunting position, Lily my cat was, twitching her ample hips this way and that. So I watched to see what would happen next. If I'd been online I'd have clicked here. You won't BELIEVE WHAT–anyway.

She pounced. On nothing. Then she tore away sideways, her ample everything swaying in the breeze.

So that's what Lily does in the yard. Hunts nothing. Somehow this is not shocking information for me.

I'd better go, so I can get to work and maybe scrounge some free food or something. Did I mention I cannot keep living like this? Maybe some 20-year-old college boy needs a room to rent. That sounds really sexy till his first night of binge drinking.

IMG_6193
Fruit-basket upsettedly,

Juan

87 thoughts on “Living like a college student w/out the cute body I had in college

  1. I think that every time I watch one of those house flipping shows: where do people get all this money? My husband and I have decided that you can either have buckets of money (with big mortgage, new cars, fancy vacations), or you can make a lot less and have more of a life, because the jobs that pay that much money take up alllll your time.

    Like

  2. I’m sorry for your financial strife, but misery loves company, if only to know we are not alone.
    My husband and I just had to sit down with my father-in-law yesterday to ask to borrow money. Apparently starting a business when you’re almost 50 is not the actually BEST plan. I still hold out hope that things will get better, that the business will reach financial stability and be profitable for us. If we can just make it till then. And If downtown continues to grow and thrive. And If nothing bad happens. Meanwhile, after three years of working on this start-up, I am starting a new job today. Part time, not doing something I want to do, but one of us has to start earning a paycheck that isn’t coming out of our own pocket. So I will leave my husband holding the bag at our restaurant until we can dig ourselves out of this hole. And I’m still looking to upgrade or supplement the new job; it’s a big hole.
    I feel like an idiot, having to borrow money from our parents when we’re 50 years old. But your story and all the comments at least helps me feel like we’re not alone in our idiocy. It’s sounding fairly normal now. Which, while comforting, is also terribly frustrating. This should not be normal.
    Sigh. Good luck to everyone out there. Better days ahead. I hope. For all of us.
    (p.s.) Like you, I worry about running out of dog food. Even better, our dog has seizures and has to take prescription medication twice a day to prevent them. The $90 a month for his prescription is looming large, and I find myself wondering if I will ACTUALLY have to choose this month between paying the cell phone bill and covering my dog’s health needs. Living the sound-bite. For God’s sake.

    Like

  3. I manage a school district budget and the LAST THING I want to do when I come home is budget here. It’s like all the smarts leave my brain and I have no idea what I’m doing. Ugh.

    Like

  4. I’m here, Amish! We had quite a severe thunderstorm tonight as cold air collided with our freak 86 degrees! When the wind got crazy, we headed to the basement. All quiet now. Hope I don’t find any trees down tomorrow.
    And an early happy birthday to DeDe, DG and Carol. Enjoy!
    June, thank you for the update on Peg. Hope her recovery goes well from her latest surgery.

    Like

  5. I could say the same thing for Dad of Cosmo too. Why doesn’t D of C, or more recently known as Dad of Frank and Zoe comment more? He made me (and many others) giggle to no end. Okay, we were horrified sometimes too, but mostly giggles. I miss him here.

    Like

  6. 79 degrees? In March?? Yes, this is a freak-out comment by an Iowan. Close-ish to the Saginaws of the Michigan. Where hell would freeze over if our two states ever experienced 79 degrees in a March month.
    Have I mentioned you are oh so pretty, Joob?

    Like

  7. June…thank you for writing from your heart.
    I wish I were rich, rich, rich. Then I could help.
    This post, again, made me laugh out loud, even though it kind of breaks my heart.
    Lovely post, lovely June.

    Like

  8. I admire those of you who can donate! Wish I could. I hate the fact that at my age, I am still frantically waiting for payday and we make GOOD MONEY! Ugh! So there is no judgement here at all.

    Like

  9. Carol, I did the same thing this week that you did – took out of my 401K. Didn’t have to pay the penalties (because old), but of course lost a chunk to taxes. I figured it was worth that money to pay my debts off and not worry about them at least.

    Like

  10. SAME! I would eat the ramen noodles all month to get it paid back. I have a relative who owes me money and he CONSTANTLY sends me the “gee, can you remind me – have I finished paying you yet”? emails. I sent him a dang spreadsheet just so he knows I’m keeping track. Then he replies “oh, I bet you thought I would forget”. Nope. I thought you planned to stiff me.
    I should probably just tell him to forget it, but man, it burns me. Don’t ask to “borrow” – just ask if you can have it.

    Like

  11. I feel your pain. Have been flush in my life, and poor in my life.
    Got fired from my job about 4 weeks ago, after working for evil law firm for 28 years. 28 YEARS! Yeah, it’s a long story, ending in my firing. So I think the planets are out of alignment, or something.
    The upside is that I was able to take a chunk out of my 401K (because I’m over 55) and pay off all my debts, so best firing ever! The downside is no job. I have no doubt that I’ll find another job – that’s not a big worry for me.
    I put money in your tip jar as well, because even with no job, I’m still in pretty good shape (for awhile), so paying it forward. More Just Sex for Edz! Yay!

    Like

  12. I’m not sure if you will consider this advice, but I’m going to think of it as a story.
    Back in October I decided to get serious about money. Makes me sick to even say it but I wrote out a budget, identified all my expenses, and how I would pay for it. When I started I was $600 in the hole! No wonder I was scrambling each month.
    I did what Kay did for you but not as drastic. Luckily I was able to keep a few things that I “needed” but I did away with a lot of frivolous things too.
    I’m happy to say that I’m now $403 in the black each month. So I’m putting it towards paying down my debt. However I also understand that when you are in the depths of a nightmare it is hard to see your way out.
    No judgey here! Hang in there. It will get better and you will make it! Everyone needs a little help now and then.
    Be kind to yourself.

    Like

  13. If I didn’t have the husband I have who is a whiz with the $$ and the numbers I would have been homeless years and years ago. I can’t seem to go a day without spending one way or another. I am really good at it. But being a grasshopper without an ant to keep me in food and shelter through the winter months is damn hard. So from my point of view you are doing so much better than I am and I am already 6 years older than you.
    Whatever we can do to help, you let us know. I know we can all contribute a bit of $$ or advice or whatever might help you over the hump. Your entertaining us and bringing us all together daily is an important part of my life and I am always happy to help.

    Like

  14. No judgement here! I finally paid off two years worth of income taxes. My federal refund for this year finished me off. I am between assignments and came home for a couple weeks. My place was a cluttered mess. I’ve been spending my whole vacation cleaning up the dump.
    I have to write down my pay weeks and write under each date which bills to pay. It helps me to remember when the automatic payments come out. I’ve been caught by surprise like that many times.

    Like

  15. I have an idea June, I know you LOVE strangers giving you advice so I’m ducking, bobbing & weaving, squeezing my eyes shut and holding my breath simultaneously…
    I think 99% of your readers are perplexed that, given your immense talents, you haven’t written a book yet. I suspect from your end, regardless of your talent, that it would seem daunting with having a job, life, pets and all, and also too(!), not going to solve anything right now! Enter, my idea!!
    Take your first blog contents of Bye Bye Wasteful Spending or whatever that it was called and turn that directly into a Kindle book. I just Googled it and it can be done, from the looks of it fairly easily. That one year is of course the typical June brilliant content but it has a HUGE, easily identifiable demographic. Its one recurring theme means that it would be fairly easy to market.
    I’m pretty sure that 99% of your readers will not only buy the book but review it which then means it moves up in the rankings meaning it will show up in search results. Then, you will make even more money and you’ll get more readers.
    Also, I think I speak for everyone when I say this, if you can put more ads, bigger ads on your blog none of us would mind! Then from your book sales, as your blog readership grows so would your ad revenue.
    If nobody hears from me in a week, please call the authorities and tell them to look for a large liver, my body will probably be under that!

    Like

  16. A friend of mine has said for years that March is the test of all systems whether it is your roof, your foundation or your health. March will make the weak link break.

    Like

  17. A friend of mine has said for years that March is the test of all systems whether it is your roof, your foundation or your health. March will make the weak link break.

    Like

  18. A friend of mine has said for years that March is the test of all systems whether it is your roof, your foundation or your health. March will make the weak link break.

    Like

  19. My birthday is Thursday too! 48 seems like a really big number. I remember teasing my sister mercilessly when she turned 25…now she is 52. Time flies.

    Like

  20. That was good advice from your boss. I’ve been known to write checks like that for bills I knew were coming up and I knew if I didn’t write that money out of the checkbook it would be spent and then I wouldn’t have the money to pay said bill.

    Like

  21. I had a boss when I was trying to learn adulting and found out I was always overdrawn. He gave me extra work and hooked me up with some friends to do books for on the side but that’s another story Anyway boss man told me to write myself a check for x amount of dollars. Then take that check and put it in the back of my checkbook. That way you always keep an outstanding check/cushion in your account. So every month I would write myself a check for $$ and at the end of the month if I had the funds to cover it I would put it in savings. Write myself another check and start over again. I need to start doing that again.

    Like

  22. Right there with you about the money woes, June. Poor as paupers over here too, living paycheck to paycheck.
    As for the whole world going to crap, my husband has a theory that March is an evil month when evil things happen. Every really bad thing that’s ever happened in our lives has happened in March. I won’t even schedule dr. appointments in March now. So I tell myself, just wait, April will be here soon!

    Like

  23. Being broke is the ultimate stresser. I can remember when we had 3 cents in the bank account when I balanced the check book. Stressful. I won’t even get on my soap box about banks ripping people off with all the fees they charge. That makes me furious. When we first opened the checking account with our bank they required us to keep a $500 balance, from the beginning I pretended that $500 wasn’t in our account, it has saved us on several occasions when my math skills failed me. The suggestion of calling the bank to ask for the waiver of the overdraft fee is good, all they can say is no, but if they say yes, great!
    Sending get well wishes to Peg. You are really kind to be POA for her and to provide a listening ear for her daughter. They both are in a tough place right now.
    God bless Ned for his willingness to help (not being sarcastic).
    Thank you for being so open and honest. I think it helps all of us realize we all struggle, because life is hard.

    Like

  24. You and I seem to be wondering the same thing about how to make money (i.e., “how can I make money?”). I found this webpage with interesting and varied ideas about how to make a few bucks.
    https://www.reddit.com/r/AskReddit/comments/5oq83a/how_do_you_make_money_on_the_side/
    Not all of these would work for everybody, to say the least. (Reddit is not heavily populated by women in their 50s.) I thought pet sitting and closed captioning could be fun(-ish). I would be a ridiculous writer of erotica but apparently people who are good at it make good $$.

    Like

  25. Ned’s a good egg for paying that bill. I’ve been annoyed that a friend of mine owes me a chunk of money but I think I’ll just tell her to forget it. I won’t really miss it and it might be a big deal to her. But it still annoys me that she won’t just tell me that it’s a big deal instead of dodging me or pretending that she keeps forgetting. I wouldn’t be able to forget if I owed a friend money.

    Like

  26. Strictly for moi, two bedrooms one bathroom=NO roommate.
    As an adult daughter who has cared for high need elderly parents what you are doing for Peg’s daughter is priceless. Love to you for your big heart and genuine goodness.

    Like

  27. Strictly for moi, two bedrooms one bathroom=NO roommate.
    As an adult daughter who has cared for high need elderly parents what you are doing for Peg’s daughter is priceless. Love to you for your big heart and genuine goodness.

    Like

  28. Strictly for moi, two bedrooms one bathroom=NO roommate.
    As an adult daughter who has cared for high need elderly parents what you are doing for Peg’s daughter is priceless. Love to you for your big heart and genuine goodness.

    Like

  29. I am with you too. The last seven years have been pretty terrible due to sickness and medical bills. I thought we could travel a little by now but we are too derp in medical debt for that (thousands We will probably die with some of it). Our home is paid off but we still have property taxes (high in NJ) and homeowners, maintenace and repairs. They cost more the older the house gets. Our utilities are high here too. We do have premium cable, he would rather die than give it up. He is too tired and sore to do much else on the weekends and evenings but watch TV. I try to economize as much as possible. Even my professional friends are broke too due to medical bills (late fifties sucks) , the cost of living, college bills. He has a couple friends with money but they are rare these days

    Like

  30. I like that philosophy. For $5-10 you can get a nice bottle of nail polish, you do it at home, you look and feel pretty!

    Like

  31. I am thankful every day for my husband, aka the penny pinching miser. I try not to know what we have in savings, because I would be all “WOO HOO! PAR-TAY!” while he is all “roof, windows, vacation…” Bad with money is what I am. Good with planning is what he is. Maybe that’s why he worked in the insurance biz for 10 billion years while I stayed home and colored with my kids. And that’s why if he crosses over before me, my kids are in charge of my money. I taught them to color – he taught them how to be adults. Well, I potty trained them, which is a rather important part of being an adult, so there is that.
    I second the “call the bank” advi… Well, you know. It never hurts to ask. Ned said yes and you’re not even speaking to him!

    Like

  32. If I could remember the name & author of a book I read 20 years ago, I would advise you to read it. (Insert smiley emoji here.) It was a different take than the usual “get out of debt, get a big emergency savings, buy stocks, be an adult” kind of thing. I’m risking the Wrath of Jooon because there are so many others of us in the comments here in the same situation with money, and maybe it will help someone.
    The basic idea was to accept that you’d always have debt, but figure out how to not add to your debt. The author said most people go into debt for emergencies and splurges, so you have to build both of those into your life. Only pay the minimums on your debt. That’s heresy to most budget gurus, but if you keep getting further in debt it doesn’t do any good to pay extra. Keep paying the minimums faithfully and the balance will go down slowly but surely.
    Any little bit of extra money you get, she said to split between necessities, emergencies, and splurges. So, say someone like June gets a $20 payment for doing surveys. Take $5 and put it in a pretty box or jar or something and that’s the start of the emergency fund. Put $10 of gas in the car or buy $10 of Chef Boy-Ar-Dee. The remaining $5 is for fries and a soda after a stressful day. Of course with something like a freelance payment you can do more! Put a nice crisp $100 bill in the emergency jar, stock up on healthy food, get a beauty treatment done.
    My husband and I did this during several years when money was super tight, and it worked for us. You have to be able to splurge and have the good stuff in life or working is just too depressing and you will eventually break and spend too much all at once. You have to be able to put aside something for emergencies so you don’t go further in debt. If tiny amounts like $5 seem ridiculous you just laugh and do it, because it does add up eventually. One day you desperately need $20 for gas, and there it is in your emergency stash!
    If this helps anyone it will be worth the liver slap.

    Like

  33. Thanks for rescuing me from spam. Maybe if I used a pseudonym I could sneak into the comments. I promise, I’m NOT in the same category with Gay Teen Chat Rooms.

    Like

  34. My mother lives minutes away from JFK airport and rents out two spare rooms to flight attendants who use them as crash pads.

    Like

  35. Have y’all seen the meme that says “So WHY is my bank charging me fees when they already have all my money?” Laughed myself silly at that one, I did.

    Like

  36. June, not much to add, other than boatloads of sympathy and empathy. I remember a time having $200 in my checking account, bills still to be paid, and no job. Yes, I then did the unthinkable, and took money out of my retirement. Paid the penalties, taxes, and all that other shit. I felt terrible as a human being, but it did give me the cushion I needed at that time. And I could sleep again, which is always the thing that gets upset when I’m stressed. I kept wondering how I could have gotten to that point, but life happens, and sometimes really sucks.
    Your current situation hits home to me as well, with several friends, including myself, all college-educated, having horrible times in job world. Getting something that’s in the field; keeping it & not having it go away; taking the seasonal educational test scoring jobs [sigh – that would be me & some others], all the while feeling like your soul is being eaten away. Too young to retire/not possible financially.
    Maybe Kay has some other ideas or strategies, as it seemed to work out well before. I have a friend who has rented out her extra bedroom. It wasn’t a horrible situation (adult niece/nephew). Personally, I’d go with a grad student, or maybe someone who travels frequently for their job. My condo neighbor rents her unit out to a PhD student, and they have always been excellent.
    *** And, on a positive note, faithful reader DG and I have our birthdays on Thursday.

    Like

  37. I already feel the liver slap so here goes. Your mortgage loan can possibly be modified, it will lower it and you can still pay more when you have it. But it will turn your 30 year loan into a 40 year loan. As for the bank, they charged me $35.00 once for one penny over. One penny. I called and they did drop the overdraft fee. If I win the lottery you are on my list.

    Like

  38. I am regularly overdrawn by over $600 every month. I know it has to stop at some point, but I just can’t seem to get there. And it’s not like we overspend. My splurge is usually a once a month trip to Goodwill. Sad…

    Like

  39. See I think there is universal Karma going on here (and I’m not that girl). You run into financial trouble and Ned bails you out. Peg’s daughter needs a shoulder to cry on and you offer it. I like to think that those two things balance each other out. At some point someone will do something nice for Ned and everyone will be even, right? Not sure where the sucky broke-ness fits into it all, but surely things will even out there eventually too. No judging here, I think we’ve all been there.

    Like

  40. Maybe not college student, but could you find a lodger (that’s what we call it in the UK – perhaps you would say room mate?)? My DH stayed with a friend of a friend Monday – Friday a couple of years ago when he was working in London, with a friend of a friend. Worked great – he needed somewhere not too expensive to stay, she got some much needed extra income, and he was out of there for the weekends.

    Like

  41. Honestly, I don’t understand how you’re not rich, rich, rich with all your writing talent. I don’t comment here much but you’ve made me laugh SO MUCH over the years. But hey, I’m almost your age and broke af, so…yeah. On the plus side, despite the issues with Ned, he’s generous, at least. Wish I had a friend like that! Here’s hoping things get better, June!

    Like

  42. Sorry to read about your money woes, June. I can relate. My husband is quite frustrated with me. Says for folks that gross as much money as we do, we should have more to show for it. I was really hurt by that because he’s making it out to be my fault and I don’t know what else I can do! I think we have plenty to show for our hard work. We just don’t have much savings, and we are at an age where we should. He’s freaking out about it, and the stress of that, and our sick son, and our daughter about to go to an expensive college, is tearing us apart.
    I just share this too let you know that you are not alone in your stress. Even folks who look like they have it all are struggling.
    Best wishes for Peg’s recovery. It’s very loving of you to be there for her and her daughter.

    Like

  43. June I am the queen of starting over. At one point in my life I was on a first name basis with the guy who came to shut off my electricity. I’d be all hey Norm and he’d be all hey, sorry gotta turn it off again but if you can pay the 4.5 million dollars you owe by 2 pm I can come back out today and turn the lights back on. I’d be all Yeah I’ll see you next Tuesday Norm. Then I’d break out the flashlights and candles and we would be in the 18th century until I got paid. So I said that to tell you I understand and you are not alone.
    The decaf/caf thing. Yeah I just went cold turkey. My body doesn’t get rid of toxins like it is supposed to which causes me to have migraines, joint pains etc. Anyway my doctor put me on a 30 day Detox. I am on day 20 of no coffee, no sugar, no gluten, no alcohol and no fun. The first week was the toughest. I thought my head was going to explode. Hope it was easier for you.

    Like

  44. From personal experience, sometimes calling the bank to ask them to waive the fee will work. And being broke sucks.

    Like

  45. Absolutely. Cry. Threaten to change banks. Etc. Goddamn banks. It costs them next to nothing to cover an overdraft and they make tons (TONS) of money on the charges. It is totally within the discretion of the bank/branch manager to waive them. Keep asking for a superior until someone waives the fees. All the way up to the President, if necessary. Do not give up. (Unrelated: I am possibly still bitter about my former bank job.)

    Like

  46. Absolutely. Cry. Threaten to change banks. Etc. Goddamn banks. It costs them next to nothing to cover an overdraft and they make tons (TONS) of money on the charges. It is totally within the discretion of the bank/branch manager to waive them. Keep asking for a superior until someone waives the fees. All the way up to the President, if necessary. Do not give up. (Unrelated: I am possibly still bitter about my former bank job.)

    Like

  47. Absolutely. Cry. Threaten to change banks. Etc. Goddamn banks. It costs them next to nothing to cover an overdraft and they make tons (TONS) of money on the charges. It is totally within the discretion of the bank/branch manager to waive them. Keep asking for a superior until someone waives the fees. All the way up to the President, if necessary. Do not give up. (Unrelated: I am possibly still bitter about my former bank job.)

    Like

  48. I had a cat that didn’t mind me hissing at him. Didn’t like the squirt gun I carried (although he never knew it was me 🙂
    S

    Like

  49. Oh, June. I feel you here. I often wonder when I’m going to actually get to be a grown up with savings that would cover large home expenses, medical bills and whatnot. I currently have a gutter that is hanging on by one bolt, all scraggedly looking, and the estimate I got to fix it is, of course, more than I have in savings.
    I’d also like to be one of those grown ups who never lets her checking account balance get below $1500. That has never happened to me. If I were smug it would be a lie.

    Like

  50. I just looked at all my spam comments, since poor Jeanie got eaten, and Pendy ALWAYS GETS CAUGHT in spam–no idea why. Anyway, I released the splendor of Pendy’s last 2,000 comments and also found a lovely one from Gay Teen Chat Rooms, which I let stay in spam.

    Like

  51. Ugh. I hate dealing with money. I am fine managing other people’s money (like for my job), but something about dealing with my own is difficult. I’m glad Ned can help you out. It sounds like you’re doing all you can. Overdraft fees are a racket. It can’t possibly cost them THAT much money to cover what you were short. Jerks.

    Like

  52. So I guess Typepad ate my comment, which I’m taking as a sign not to resubmit it. I wish you the best in your situation and have been there myself. Thank God for Ned, and best wishes for Peg.

    Like

  53. Forgot to say that Ned is a good egg for helping you out. Wishing Peg all the best

    Like

  54. Like you, we are college student broke. Part of it is the medical expenses we acquired last year when we both practically died. Thankfully we had insurance or I don’t know what would have happened. The massive electric bills here didn’t help. In hindsight we would have lived here a full year, or at least an entire summer, before we bought a house. Especially one with a pool which requires so much electricity. Anyway, our house is up for sale and we are downsizing, something I am actually quite happy about. Who knew that I wouldn’t like living in such a large house?? We are losing quite a bit of money though, recouping only about half of our remodeling expenses. In the long run it’s still the right thing to do. I hope you can figure out a solution because I agree that you can’t go on forever like that.

    Like

  55. This is not advice, just a “story”. There was once a boy who was in financial stress. He consolidated his bills with his mortgage payment and refinanced his home. It was a big help to him, lowering his monthly payout as well as decreasing the length of his current mortgage.

    Like

  56. although i have really good medical coverage as a military retiree, i now work as a contractor. i don’t have any sick leave. this is a big concern!

    Like

  57. This is totally advice: Call the bank and ask if they can refund the overdraft fee. I’ve done that like three times. Cry, if you can. I usually say something like, “When I checked my account it said that bill was pending and I had enough to cover it, and somehow I overdrew when it came out, and is there anything you can do? I really can’t afford to pay a $30 overdraft fee.” And they usually do. Not kidding.
    Hope everything gets better for you!

    Like

  58. This week was the first time in like, ever, that I have been able to put money in my savings and it was 43.00. The only reason is because the other 4 people who live here pay me rent. My 2 grown sons, one girlfriend of son and my fiancĂ©. When the kids move out we’re screwed! After my divorce we had roommates forever to make ends meet. Now my kids are the roommates. If you can find someone you trust it can be good. One thing I was able to do once was refinance my house to lower my mortgage payment, sometimes that can help. All this to say that you are not alone in your situation. Keep on keepin’ on, my dear.

    Like

  59. Finances are the single biggest stressor in my life. And the potential changes in healthcare scare the bejeezus out of me, because that right there could sink the ship – for me and eleventy-gajillion others.

    Like

  60. girl. or gurrrllll…i so feel your pain. yes, i am living the same financial life. my credit card debt is high enough that i’ve given up hope ever being out of debt. and, with job change i haven’t had a real paycheck yet. not until march 31. i got a dinky one last friday. paid my bills and then realized how much i wouldn’t have left until next payday. hence, i have put off paying my cell phone bill.
    and that’s my thought. will i ever have financial stability? ever dream of a real vacation?
    so freaking depressing.

    Like

  61. Not judgey here. I appreciate that you put it all out as much as you can because it’s​ real and relatable. The people who always post that things are unicorn rainbow happy make me feel like I’m a bad human because things aren’t perfect all the time. I know the pitfalls suck but it’s nice to celebrate highs and lows here. You’re doing what you can and it might seem like it now but it won’t last forever. I’m so glad to hear Peg is as good as can be right now. Fingers crossed that her stint in rehab is short and she’s back in the neighborhood soon.
    Lovely post, pretty Juan.

    Like

  62. Chaos and upheaval? Oh, hell, yes. As an indicator of the current chaos level, when the phones and internet went down at work yesterday, I just kind of sat back and thought, “This is relaxing.” Don’t know if there’s anything going on astrologically, but maybe it’s all related to the beginning of a new season, and spring being rebirth, and that being a messy process.

    Like

  63. Thanks for the update on Peg. You’re a good neighbour and friend. Hope she’s home soon, or at least soonish.

    Like

  64. Can you get an overdraft at your bank?
    So feel for you on the no money situation. I’ve been living like this for the past eight years. My overdraft is the one thing that’s helped tide me over. It’s worth the bit of interest charged if you need to use it.

    Like

  65. Oh and I meant to say, you’re very kind to offer to help with Peg and especially to offer her daughter a shoulder. You’re good people!

    Like

  66. I am terrible with money, always seem to have tons of bills due and have no savings. Over the weekend we had dinner with another couple and we got on the subject of house hunting and they said their budget is $550,000. What the hell are we doing wrong that people our age can afford twice the amount of house we can?!
    Is it time to ask for a raise yet? Or ooh, I know! You should forget Okcupid and go on seekingarrangement.com and get you a sugar daddy.
    In all seriousness, hope things are less stressy soon.

    Like

  67. No judgey. Standing by you. This is tough and being named POA is too much to think about at the moment.

    Like

  68. No judgey. Standing by you. This is tough and being named POA is too much to think about at the moment.

    Like

  69. No judgey. Standing by you. This is tough and being named POA is too much to think about at the moment.

    Like

Comments are closed.