Do you have money fears?
July 29, 2014
If so, what are they? @SingleMa posed this question on Twitter the other day and I thought it was a good one.
I still have … concerns.
She and I both worked our way back up from just about rock bottom, so you’d think we’d feel the same way about this, but we don’t and it was interesting digging into why.
I don’t have the sort of nightmare-inducing, heartgripping, horrifying fears that I used to, feeling just half a step away from ruin as the only breadwinner for a family of four, suffering from chronic but undiagnosed health issues.
That, thankfully, has passed with a combination of good financial habits, good salaries (TWO of them!!), and a pretty healthy savings account. I’m looking at building our wealth, not avoiding poverty and ruin, and that’s a huge difference in mindset.
Even so, I’d be lying if I weren’t still looking over my shoulder askance.
What’s the next problem to blindside me?
What’s the next disastrous accident or occurrence or loss?
The wheel never stops turning, Badger.
That only matters to the people on the rim.
After some discussion, it makes sense. My rock bottom situation was nearly entirely due to other people.
It wasn’t my overspending, my overcommitment or rash decisions that led to 100K of debt. I didn’t have piles of designer clothes or expensive cars or .. well, anything to show. Anything at all, as it turns out.
Ed Note: This is NOT to say that SingleMa’s situation was due to those things at all – I was thinking solely of my family who’d done those things.
I did choose to stay and help instead of leaving home to make it on my own, but the entire swamp of sucktastic was down to their crap luck, their business decisions taking bad turns, their unfortunate job losses followed by other bad financial decisions while dragging their debt behind them like a lodestone for more bad.
Add to that the severe health problems that plagued mom, my parents’ refusal and inability to rein in my Sibling while he wasted money and refused to grow up, and you basically had the perfect recipe for awful.
Well, PiC and I are doing really well, in comparison. We can’t do everything but we can support everyone without feeling stretched beyond sanity, and we can do some good for others.
And yet, since Dad won’t stop smoking, I have to wonder when his health is going to fail, and how badly? When and how much is it going to cost me to supplement the lousy state health insurance?
He recently thought he was helping by paying off his traffic violation tickets instead of doing traffic school at higher cost, only that caused the car insurance premiums to double. They’ll stay high for THREE YEARS until those violations fall off his record. *headdesk* What else is he going to “help” with?
Meanwhile, who knows what foolishness Sibling’s going to pull. Until I’m willing to put him out on the street to live or die, he’s our albatross. That day may come but until then, he’s still family and that’s the way it is.
Difficult times may come again, and I’m capable of working our way out of them more than likely, but it’s clear that I’m far more concerned about the choices that other people make that will adversely affect our finances and our wellbeing far more than anything we do.
Is it any wonder, then, I’m such a control freak over anything within my power to affect??