Short term thinking: stop it!
February 7, 2014
There’s nothing that chaps my ass as much as stupid mistakes, unless it’s stupid decisions that cost me money. Unless it’s stupid, aka shortsighted, decisions that costs me a lot of money.
Part of our auto insurance just spiked by more than 50% because my dad got two tickets in the last two years, and made the foolish decision to pay the fine in court ($100) instead of going to traffic school ($250). Not only did he make this decision on his own without discussing it with me, he never mentioned the tickets at all.
He meant well but clearly he wasn’t thinking of the long term effects. I had to explain to him that his $150 savings will now actually cost me over $1000 in the next two and three years in raised insurance premiums.
He’s now paying for his daily expenses (food, gas, utilities) and stupid crap like tickets, but not for housing or insurance yet. I’m not pushing the issue because I’m keeping an eye on the regularity of the utility payments and have had to make a couple supplemental payments in December as he’s not keeping up with them regularly, he’s still learning how to budget on an irregular budget.
As I suspected when we agreed that he was going to start taking on the regular monthly stuff like utilities, there’s not been a word from him about getting behind in payments. It seems he’ll simply won’t learn or change on that front, so my instinct not to trust him to talk to me instead of finding himself slowly being boiled in (debt) water that’s been heating up over time was right.
It’s not going to break us but our carefully constructed budget is going to take a hit unless I can find a way to cut back somewhere else to compensate. Which, again, chaps my ass.
*deep yoga breathing*
I managed to talk to him about the consequences of his short term decisions, without losing my temper, but it was tough keeping a lid on it. The damage is done, so there’s no use hollering about it.
This is NOT what I meant when I said I wanted Stupid Money.
I’m not alone, am I? (Misery does love company, sometimes.)