Everyone has an experience with money and I don’t think anyone I know anyone who likes it. However, money is a fact of life we all have to deal with, from counting pennies as a kid to paying bills as an adult.
But money scares me a little. The power it has on our lives. Money does not bring us happiness but it can sure help to make us feel comfortable. Money is not more important than our health, but we have to pay for medical care. Even on the NHS paying prescriptions and things you cannot get on the NHS, like I pay for my private therapist and a chiropractor.
Without money life can be bleak. However I also think that happiness gained from money plateaus after we have the essentials we all need; home, water, food, warmth and a few comforts.
I think my fear comes from my childhood, as probably most of our relationships with money were formed. My parents were not good with handling money and they also had very little. They did not seem to budget and ended up with loans they could not pay. I remember sitting in the car as they went into offices or banks to discuss loans. I do not know their full situation as this is just from my childhood memories and I am sure they did the best they could.
However, I also remember the arguments, lots of arguments about money. I am not sure my parents really argued about anything else. I have no idea who was right or wrong, probably both and yet neither. I just remember the family never having enough money and the arguments.
I also have no judgement on my parents as I find it so hard to stay in budget with my own money. You would think seeing my parents would make me meticulous about looking after my money. But no, I think it might be because as soon as I earnt my own money, it was always gone on things my teenage self felt I needed. I could never keep up with my friends but I tried and having my own Saturday job helped me to have my own money for the cinema or a new top. I could finally buy clothes that were not from a charity shop or car boot sale. I felt so grown up.
Now as an adult (apparently) I try to be more careful. My bills come out at the beginning of the month. I try to budget and I love a good spreadsheet. However recently I took a pay cut to help my stress and mental health. It was the right choice but it does mean I might need to keep a closer eye on the budget and take out some of my luxuries.
The pay cut has stressed me out and has me anxious about living and not getting into anymore debts. Yet I cannot change it and have to move forward. I remind myself I am on a good wage as an experienced teacher, although living alone does make things costly.
Anxiously I have balanced my spreadsheet and now comes the challenge – to stick with the budget I have set. Somehow I feel I have already failed, before I have eben started. I cannot seem to believe in my own ability to do this. How do some people find this so easy? I admire people who put money into their savings account no matter what, I am jealous even.
For me money makes me feel like I have failed even before I have begun. Like I will be told off or find myself in trouble. My mum was always worried about bailiffs and she had promised they would never come to her door as they had her parents. I think I feel that fear and I do not know how to let it go. I feel ashamed I cannot just be better at this. I have an A Level in Maths, it was my best subject in school. I can do the maths ,yet I do not have control.
I also know I am an emotional buyer and my amazon account is littered with purchases on a whim. I hope they will make me feel better and it is always something I feel I need. But the parcel only bring guilt and anxiety in the end. Don’t get me wrong I have never even had a letter threatening the bailiffs. My fear might be irrational and inherited but it is real in my life in this mental world.