I’ve been resisting talking about money stuff on here recently, because I decided that I talk about it too much and it’s boring and sounds like I’m after pity. Plus, it makes friends and family want to give us stuff, which is not the point of all this and not what we want to happen. But not talking about it has been getting me down as this is my venting space, so here I am, talking about it yet again.
I know that having money isn’t the be all and end all of everything, so I feel a bit ashamed to admit that I am still struggling to adjust to losing my salary and disposable income. I have been getting really jealous of the following things, and I hate it as jealousy only makes you feel miserable.
People with money to spend on gadgets and luxury items for themselves. People going on holiday. People who have their own workspace. People who can afford childcare. People who can afford trips to visit family members that live far away. People who buy things that I have wanted for ages. Young, free and single friends who, when we get on the subject of how I have no money, say “tell me about it, I just maxed out my credit card on a holiday because I just had to get away”. I’m not judging your actions, this is a GREAT stage of life to be at. Live it, love it, just don’t ever take it for granted! And as if I don’t have enough case studies amongst my real life peers, reading other blogs is like crack for unreasonable jealousy.
Despite the extra bit of money I’m bringing in here and there, we are still not making enough to cover all our basic expenses. Our debt is mounting each month, the only saving grace is that we have just been approved for a credit card with a very long interest free period, woohooo *definite sarcasm*. The balance transfers alone have maxed out the credit limit, so not much danger of spending beyond our means *more definite sarcasm*.
I still can’t believe amongst all of this, that we are not entitled to any benefit apart from child benefit – I’m not saying we should be entitled, or we deserve to be, but when I think that our mortgage is significantly cheaper than the cost of renting a two bed house like ours in London (or even a one bed flat in a slightly more desirable area) and our bills include just the standard utilities, internet costs and SIM only mobile contracts (no Sky/Virgin, no subscriptions, no other fun extras), but Sam’s salary is deemed high enough to not qualify for any benefits, I wonder how on earth families with similar household incomes but higher housing costs than us are managing to get by. They probably aren’t.
Anyway, the money situation is not permanent (hopefully!). Sam’s job is largely commission-based, and his recent switch to a new role means it take time to build up sales again. Fingers crossed, we should be in a better situation by the end of the year.