Wednesday, October 3, 2018

Money problems...who has em?


One word that can fill your body with dread. This experience is a rite of passage for most of us during our 20’s. 

I love money. It allows me to stay home on a snowy day. It allows me to feed my family and friends when they come over to visit.

To travel and explore my creativity. I don’t look at bills as bad things because I’m paying for stuff that I really like having. 

Rent-I love my living space.

Utilities-running water, light, heat, and wifi make me comfortable. 

Vehicle-driving is my fave thing. 

Cellphone-I’m using it to write this blog post.

Insurance and health benefits-better safe than sorry. I got rear-ended a few years ago and I got my money’s worth in massages.

Food-I love to eat.

What I don’t pay for is consumer debt. No student loans, no credit cards. 

I have a credit card, and I use it and pay off the balance each month. I’m always building my credit.

Don’t knock a good credit score. I check mine every month. I know if anyone is trying to pretend to be me. 

I don’t like paying for things I did in the past. I’m paying now for all the sugar I’ve eaten in my life, but paying now for a purse and a trip I took 6 months ago-no thank you.

My introduction to overdraft protection occurred when I was 16. I had a guy friend who had a decent job, he had just finished high school and was already discovering the adult world of credit.

Every two weeks, he would deposit his paycheque and be left with a positive balance of a few hundred dollars. He would spend it plus the overdraft and each month have less and less cash. 

I thought that was a terrible idea. 10 years later, I would have that experience. It was a terrible idea. 

“Good news!”  the bank would say. “You qualify for overdraft, a $5000 credit limit increase and a lifetime of debt.”

“Here are credit card cheques you can use to transfer one horrendous balance to another credit account with an interest rate of 35% instead of the 36.5% you currently pay.”

“Oh and while you get married and have expensive children and a mortgage, you can keep paying for that living room furniture set that had no payments until 2025 that you no longer have because your spouse hates it. 

I’m sitting in my living room bay window, the sun is shining through, the sky is pure blue and no clouds. Mountains of October snow are waiting for the snow removal company that is scheduled to clear my driveway. Perks of living in a townhouse. 

I’m asking the universe what it is that I can do to be of service while maintaining my current lifestyle that I really enjoy. 

Money is fantastic. I like living a life of flexibility and freedom. I don’t have a lot of stuff. I have what I want, and I use all of it. I like high-quality skincare and makeup and good food. 

I would love more designer purses and shoes but I like living alone and not having roommates so I put more money towards living costs. 

It’s totally worth my sanity. 

Have a lovely day.


LeNora Faye
Bitchy Bookkeeper 
Almost an Author
Former Fantastic Violinist 

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