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Archive for October, 2010

Money and finding a mate

October 11th, 2010 at 09:16 pm

So, there are times when I am in a funk, and I start to think back to issues of love and romance. Probably something I shouldn't do when I feel this way, but I am working on it.

The new person I am seeing is a nice guy. There are some issues that we both have that make it seem like we might not be husband and wife ready. He isn't too keen on my being frugal, and I am not too keen on his lack of firm financial goals at this age in his life (he is almost a decade older than me). I accept that he views money differently, and, having been through that issue with my past relationship, it worries me a bit.

When I think of the choices I made in who I dated (admittedly, I don't think I really had a huge selection, but that is another issue), I feel really stupid and upset at myself. I found out recently that a guy I used to semi-date years ago is now married and has a child. We dated and I just didn't feel any chemistry. I was younger, and I didn't focus on the fact that he is my age, hardworking, responsible, and likes me. Instead, I focused on how he spoke or the fact that we didn't seem to have any chemistry or commonality.

I also think of a recent ex of mine who I really, really liked. I haven't heard from him in years, and one of the problems that we had was that he made ALOT more money than me, and he didn't understand that at that time I had a very tight budget and had to be frugal. He made so much money and had so little debt, that he wasn't worried about even having an emergency savings and would often buy big ticket electronic items.

While we got along great, I do feel that he looked down on me for the type of job that I did (he was a techie, I wasn't)and that I didn't earn as much as he did. He once made a comment that suggested that he didn't think that what I did had any value, and it would be better to just give my clients money, rather than help.

I feel sad because I do think, by the way that he was income wise, and appearance, that he is most likely married and probably has kids.

I feel like I should have focused on the more important things in the goal of being a mom and married. Instead, I was so focused on personality and chemistry. In the big picture, is that what is really important? If I go for guys I have lots in common with and that I can talk to, but they either have issues with fidelity, or lack of personal ambition, then it doesn't seem to bode well that they will want to settle down and start a family.

I often get very sad about the topic, because I see so many others who may not have the same life I have had, or have worked in the same way, and it just seems like getting married and having kids was so easy for them.

I found a long lost friend on a social networking site. When we were in school together, I always wanted to be like her. I was growing up poor, not a mom and a dad, and just going through so much. I know that my classmates had no idea of what I was experiencing, or how I would have to change my clothes in various restrooms because I didn't have a place to really do that.

She was the very popular gal in our class. She mostly stood up for me, as she was the kind of person to stand up for everyone. But at times she would join in on making fun of me---whether it be my dirty clothes with the rips and holes, or why my hair hadn't been combed in days, etc.

But she was the one that all of the girls in class wanted to be like. She was thin and looked unique and the coolest guy in class wanted to be with her. I later found out that she is now married to a seemingly great guy, and has a ton of kids, and seems to just be living this great and normal life.

I am getting older and the issues with my finances are wearing down on me a bit. I know that I am very, very, very fortunate and blessed, as I am able to work the way that I do, am able to earn extra money through part-time work, am able to eat and wear decent clothes and have a roof over my head and my car and my family and friends.

I know that I am very, very blessed. I also know that some large bills I have will be paid off in under a year. I just need to keep my eyes on the prize and keep on working to pay down debt. I just worry so much about how things will be. I know a person who seems to be so worn down by life. He complains so much about things, but he has a house, and a flat screen tv, etc. etc. etc., but he isn't married and has no kids, and, it seems like he is so negative because maybe he wanted things to be different. It is sometimes hard to talk to him because he is just so much more negative than imaginable and it is mentally draining. I worry a lot because I don't want my mind or spirit to turn out like his.

I am just ranting and venting a bit, and I thank you all for listening. I think it is good to get advice from people who may have gone through that same things I have, or who may just have lived life a bit more than I have. It really helps me in more ways that I can verbally express.

Money and Class....and not the kind of class you think

October 10th, 2010 at 10:13 pm

So, the past few weeks have been a bit on the frustrating, aggravating, overwhelming side to put it mildly. And one of the factors that stood out in the zaniness of the past few weeks has been the topic of money.

One thing I have been noticing in regards to money is 1) when I have it, I am less stressed, and 2) when I don't have it, then everything seems even more stressful. I don't need to be a millionaire to be happy. I was aware at a part of the not so distant past that my having the 3-6 months of emergency savings could really ease my stress, even if I was somewhat broke during my average everyday type of life. But not having both is what makes me a bit more anxious.

I am thankful to have been able to work harder in order to have extra money for just basics that make me happy. But this extra work also makes me more cognizant of those who normally earn a higher amount, but may not have the same ethics. Lately, I have been finding myself saddened, upset, hurt, frustrated, dealing with issues of inferiority, by interactions with people who most likely earn more than I do (their house is in a better neighborhood, their car is european foreign made, they can shop at food stores I can only look far away at). In these situations, I found a severe lack of understanding on their part, and possibly mine.

By no means am I lumping everyone together or saying that all people act a certain way. That isn't what I am saying. I am describing that I have been running into the same type of person lately, who just happens to be a higher income. Living in a higher income city as I do, this isn't uncommon. Being a native who is not from such a high income may be a bit more uncommon.

Lately, I have had situations where people who had more, were not really cognizant or understanding, it seems, of the worth of value of a dollar. I feel there is nothing wrong with being frugal. I do find it sad, however, if you know something is worth a certain amount in fair trade, but you reduce what you will pay for it because you know that there is such a need for the sale, that the person will take almost anything. This has happened quite a few times, and it is so upsetting and angering, to be honest.

I get very sad and upset when I see people come out of our local gourmet store, bags filled to the brim with the usual high-fare foods (admittedly, some things in the store I would like to buy if I could), and they turn their noses down at the panhandler outside. Now, they aren't obligated to donate money. But they should at least give that person common respect. Instead, they say negative things to the homeless person, and that kind of thing just doesn't make sense to me in a lot of ways.

I have to learn how to ignore some of the things that people like that do. It is frustrating when I hear someone make a comment about how something isn't hard to afford, or that anyone can afford something, because it just shows that they are only thinking from their particular income and situation. Shrugging your shoulders and saying "Everyone could buy " " if they wanted to" just seems oblivious to what people in our country are going through right now. It is even more difficult when I hear some people complain about not being able to buy a designer item and how things are so difficult, yet, I also know people (sometimes myself), who are dealing with just being able to buy food and gas and pay their bills. It is all so frustrating and upsetting. In my city, I feel like I and others I know understand the recession and yet there is another group of people, no specific commonality except for income and habits, who are acting as if there is no recession. But this belief makes them very oblivious to the plight or suffering of others.

I am not sure how to react in this situation. Sometimes I feel like I need to just tune them out and ignore them. I feel like it takes a lot of energy out of me, because I often feel really overwhelmed at just trying to make it while dealing with usual life and work and family and relationship issues (sometimes to the point of tears) and to then have to deal with others who seem out of touch, or who just seem to be walking around without a care in the world, so quick to tell you how easy life really is, just upsets me. I do think that it wouldn't bother me as much if I was more stable financially, but it would still bother me because I know that I am very fortunate to be able to work and earn extra money, and you have families and people who haven't had income for a long while.

When you encounter things where it seems as if others are out of touch about finances, and not in a good way, how do you deal with it? When it is almost to the point of being ridiculously oblivious to reality, do you say something or just keep quiet?