Having No Cash Is Stressful

by Wells

I’m out of cash again, and that’s always sad.  I’ve been accused of stoic coolness in the face of adversity as well as in times of abundance.  Like the book says I’ve got two settings: Off and Super Cool.  But when money gets tight, that’s when I really start to feel the pressure and it affects my emotions.  I’m sure I’m not alone in this.  Everyone has heard the statistic that most fights in relationships are about finances.  I’m willing to bet most of those arguments are based in not enough to go around and not in the misappropriation of large chunks of money.  No one likes being broke.

Today I’m taking mom out to a movie and dinner, but my cash is at zero, and so I’ve had to swallow my pride and resign myself to charging the day’s activities to my credit card.  I hate this.  Charging meals and entertainment stirs up such visceral bile in my gut that I need to sit down and breathe deep just thinking about it.  Hate hate hate.

However, I’ve just looked at my credit card balance and I am crushing this thing.  It’s lower than I’d imagined because I’ve been automatically clobbering it in addition to all the little snowflakes I’ve been tossing its way.  I’m not out of the woods yet, but I’m clearly catching up.  So I’ll charge a little today and pay it off right away on payday.  Just this once, for mom’s sake, it isn’t the end of the world.  The money’s  taking care of itself, and my stress level is less  affected than I’ve let it get in this situation before.

The truth is the credit card company doesn’t know me, and that will be their downfall.  They mail me slips of paper with their recommended minimum payments because they think I’m just another simple consumer who’ll pay the minimum.  But that’s not me.  I know that isn’t how you claim victory over the vultures.  You pay big.  You pay quicker than they’d accounted for so their interest rate can’t work its treachery.  I’m a savings-snowflaking, quit-drinking-till-it’s-paid, lunch-packing force of willpower and patience.  I’ve got a family to start and a home to create.  I don’t have time to trifle with some loan sharks out of Wilmington.  My plan has accelerated.  What I had aimed to achieve in three years, I now will achieve in one.  By 2010 I will owe zero dollars to Visa, to Chase, and to the government.

Hunger, which yesterday was my enemy, shall be the tip of my spear.