I Hit My Bottom
I am stressed out these days. After working 10 years, I finally hit the moment that I can’t even pay my bills. The last time when I had to worry about making my ends meet was a year after my graduation. I just got a job; I was living in New York and I spent like a princess. I ended up having to receive $250 from my mother every month to cover grocery. Well, obviously, I learned my lesson soon after and never had to worry about finance … until this month.
After cleared up my cash recently, I had about four hundred bucks in my saving’s account. Guess what, if the worst things could happen to you, it would happen. A few unexpected big expenses sent me straight into the negative red zone:
- My new car’s city tax $859
- My new car’s license plate $540 (yep, that’s what you pay in Colorado)
- Lawyer’s legal fee $1600
- My new car’s insurance $787
All require up front cash payments. After paying the first 3 items, I have nothing left. Unless I sell my last bit of stock funds or borrow money, I am screwed. I am 32 and too shamed to ask my parents for money. And all I can do right now is kicking myself for blowing the money on a fancy car.
Just a month ago, I was so confident about my financial situation that I decided to buy a brand new Toyota RAV4. Since my credit issues and large debt (that’s another story), I opted to pay cash for the car and cleared $26000 from my emergency fund. I guess I violated rule #1: Never ever touch your emergency fund unless it is an emergency. Instead, I blew it on a fancy SUV. I could have bought a used Camry for $15000 and still be happy with it.
I guess when they tell ya, “prepare for the unexpected”, you really gotta listen. I do regret that even with all the things happened around me, I could have managed my finance a little smarter so no matter what, I have something to fall back on.
Well, this month is almost over. I just finished my spending report and budget plan. So starting from the next month, I am going to squeeze everything I can squeeze to re-build my “safety basket”.
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