Brother, can you spare a dime?

Oct 26 2010

As I mentioned yesterday, I’m broke. Almost literally. Lots of assets, no cash.

This was driven home to me yesterday evening, after work.  I stopped by a gas station on my way home to fill up my truck with gas. My debit card didn’t work, and neither did any of my credit cards. All denied.

To be fair, several of those cards I paid over the weekend just as their due date came up, so I think they’re just locked until those payments go through.

Still. Embarrassing. I called my Dad, and he suggested that I run back to work and see if I could borrow some cash. Brilliant! I did, and all was well.

Then I returned home to check my bank account balance.

Gulp.

I’m fine, really. I transferred some cash from savings, and my paycheck comes through this Friday. I just have to live frugally for a little while, and use a spare credit card for this week’s expenses.

I’m just shocked, to be honest. I knew I was low on funds, but I didn’t realize it was this bad. I’m usually good at keeping my finances in shape.

To be brutally honest with myself, I haven’t been paying enough attention. I ignored a few bills. I kept ordering anime and manga online even when I was low on funds, justifying that I needed it to keep up with Otaku, No Video. I’ve been foolish.

So, I’m facing up to it. I’ve stopped making any entertainment purchases. I’m eating frugally (inexpensive meals at home and leftovers at work; no restaurant meals). I’ve identified a paid service I can cancel and a few gadgets I can sell.

And I’m re-establishing my budget, which laid out how much I could spend each month on movies, manga/anime, my garden, etc. Very simple. It’ll need to be updated, but it helps.

Come to think of it, I should also establish an entertainment purchasing plan: what books/movies/etc. I plan to buy each month. Hmmmmm.

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