...you make lemonade, right? Only if you have the water and sugar to do it.
I'm not a fan people posting their problems online for the world to see, but I understand that as a venting process, as a way to just work the problem out in your head as you're writing isn't necessarily a bad thing. I guess it's just a matter of what kind of problems you're facing and if you really want that laundry out there. So, here I am, venting in a forum open for the world to see. Just hoping to get some of the weight off my shoulders and clear up all this stuff festering in my head.
Just under a month ago my wife and were hit with financial devastation through no fault of ours. It was completely unexpected and it could have ruined us utterly and completely. It not only wiped out our checking account but a savings too. Like most men do, I was prepared not to ask for help. I was ready to endure the storm as best I could until it was over, but if I had done that, it would have caused more harm than good.
Unexpectedly I was lifted up by the love of my friends and family. They stepped in and had I not accepted their help, we really would have been in a much worse position. It was enough to put food on the table and keep the lights on. I was given a kick in the ass, and I cannot express my thanks and gratitude enough.
At work I was able to pick up a significant amount of overtime, however all it did was allow us break even while still waiting on the bank and the people responsible for this debacle to get it all sorted out. Sixty hours of overtime, and all of it went to fill a hole that we didn't dig. We're are also still waiting for the return of what was taken from us, which my belief in that happening dwindles daily and is now almost non-existent.
Since this happened I decided to evaluate everything related to our income and expenses. We have not been spending outside of our means. Things would have to be saved for otherwise we just went without. There has always been a certain amount of money for comics, games or whatever, but I'm thinking that should probably stop.
I only get nine comic books a month. Five of those are bought specifically for the kids. the only gaming I spend money on is the subscription for World of Warcraft, which again, isn't much. Last item is my storage and hosting for the podcast., not a wallet breaker by any means. I just think going forward, since the cost of living keeps infinitely rising while the purchasing power of our paychecks infinitely dwindle, that it's time to tighten the belt. If anything just to build a bit of better safety net.
My paycheck has gotten smaller anyways due to a hefty rise in household expenses (home and auto insurance, property taxes and utilities) and so it's probably a good idea anyways. So out are the comics and the sub to Warcraft. Comics are something that I can catch up on, as is playing WoW. It's not much, but that $45-$50 a month will add up. The podcast has been paid up for through April back when we started it.
All I have been doing is thinking about how to keep this from happening again. First thing that came to mind is dropping the bank and paying everything by cash and money orders. All banking does is give you some minor conveniences in exchange for bigger headaches. Although my bank was not responsible for what happened, I don't need it for anything. Right off the bat, that takes away the problem that caused all of this. Paying your bills online, setting up automatic payments and the big one, authorizing a one time payment for a specific date and amount, but the payee takes whatever they want, whenever they want.
Since all of this happened I have only received one phone call from the people that wrongfully took what was not yet theirs to have. What did they want? They money that they already took. Honestly I have no idea how that company stays in business with the way it's operated. We've had nothing but trouble from them since they bought our mortgage.
I'm done with it all. I'm just going to work as much as I can and horde every damn cent at home, out of the hands of greedy incompetent corporations so that my family never has to go through this again.
I'm calling it before I get into a full tirade in here. Lot of good this did for venting.