Fabulous Financials

Yea, I said it.

I can’t believe how many people are so afraid of what’s happening in our economy that they are withdrawing all deposits from their banks.  “So what are they doing with the money?”, I wondered.  According to an article in the New York Post, savers are banking on shoes boxes.  *blank stare*

Richard Cruz, 48, of Manhattan, said he’s moving money he’s saved for his daughter’s college education out of his bank and into somewhere he thinks is safer.

“I’m afraid we’re going to lose it all. I’m going to put my money into a shoebox,” he said.

Cruz said he contemplated going to the mattresses, but decided that was too “last century.”

“No one hides their money under a mattress any more,” he said. “That’s the first place people would look.”

Get the f*ck out of here!!  Dude, for 75 years, the FDIC has insured depositors up to $100,000.  Furthermore, as of October 3rd, Congress temporarily increased the FDIC limit from $100,000 to $250,000 through December 2009.  So why in the world would anyone withdraw all of their money from a bank and think it’s safer to keep at home?

In my opinion, this type of fear based, irrational behavior will only make matters worse.  Apparently, they’re more concerned about Wall Street than Pookie ‘n ‘em.  Hmph!  If you know like I know…never mind.  I wish the ‘hood had an index fund because their holdings are about to soar!

My internal clock is still off and I can’t seem to find my rhythm.

I stayed home from work on Monday - to sleep.

I was 20 minutes late on Tuesday - overslept.

I was almost an hour late today - wardrobe malfunction.

Considering all the extra hours I usually work, it balances out. But I have an image (and reputation) to uphold so I don’t like being late. I need to get it together.

But wait, another thing. When I’m tired, I spend way too much money.

Breakfast - no time to eat at home because I’m rushing. Oh, I’ll just stop by the cafeteria and get a croissant: $3.69.

Lunch - darn, I didn’t have time to pack anything. I’ll just grab something quick, but I promise to pack lunch tomorrow: $6.34.

To make up for getting to work late, I stay late. This means I have to call the dog sitter to walk my dog before her little bladder explodes. $5/visit.

Dinner - shoot, it’s late and I don’t feel like cooking! Let’s order some takeout: $25 for two.

*Mental Note* Where are all the darn forks?!?! I need to buy more flatware. No, wait. They’re all in the dishwasher. Yea, remember that thing. Duh!

Looking around at the rest of the mess I created during the morning rush.

Add to the mess the next day. And the next…

Too tired to clean. After 3 days, this place looks a mess! Hmm…I need to call that cleaning company again. No wait, I’ll clean up tomorrow - ya know, the day that never comes.

Fugg it, I’m calling that cleaning company: $100.

Three days. ~$200 gone. And I’m still tired!!

Hmph!

———

I just read my own post and something dawned on me. Maybe the title should have been “man, I’m lazy!”

Ok, that may be true too. LOL!

Do you spend MORE money when you’re tired?

My tags expire this month. Which means, I need a state inspection and will probably spend at least a 1/2 day with the lovely ladies at the DMV. For the past 2 years, I’ve known this day would come. Even had it on my calendar with a three week reminder. What did I do?

Nada

After I returned from my first summer trip, I said…”I’ll do it on my next day off - Friday”

Nada

After I returned from my second summer trip, I said…”I’ll do it on my NEXT day off - Tuesday”

Nada

Forcing myself into a corner, I said…”I’m REALLY gonna do it on my NEXT day off - Friday - because it’s my last weekday off this month” I still have time, right?

Hmm…

Well lo and behold, something MAJOR has come up and now I have to work today.

[Insert Expletive]

And I’ll be gone ALL next week on a work related trip. So by the time I return, my tags will be DEAD.

[Insert Another Expletive] SHYT!!!

Has procrastination ever cost you money?

I have a “spesho” situation so I can’t renew my tags online. LOL

Would ya lookie lookie.  I think this lunch bag is sooo cute.  But umm…why does this lil bitty thing cost $30.00???  I know it’s Dooney & Bourke, but it’s just a lunch bag.  And it’s plastic!  A plastic. lunch. bag. for. $30.

Think I’m kidding?  Look.

And you know what?  In less than 10 seconds, I convinced myself to buy it. LOL!  Here’s the conversation I had with myself . [y'all gone think I'm coo coo for cocoa puffs! LOL]

I said, “Self. That lunch bag sho iz cute.”

Mmm Hmm, we’ve determined that already.

Then I said, “Self.  If you had a cute lunch bag, maybe you’d pack your lunch more often.”

Ha! Believe that if you wanna.

Then I said, “Self.  D&B is a quality brand so it’ll last years - even if it is plastic.”

Hmm, ok. Got anything better?

Then I said, “Self.  How about this?  If you pack your lunch at least 3x per week, you’ll save $30 in about a month, which means the lunch bag would practically pay for itself.”

Ha! That’s a lie, but it’s a good one!

Then…I clicked ORDER. LOL!  I can’t wait to use my overpriced plastic bag!

Have you ever convinced yourself to buy something that you KNOW you shouldn’t have bought?  What was it?  And how much did it cost?

Houston, we have a problem! Ya see, today was payday and I’m looking at my electronic statement, but there are two things wrong:

1 - The amount is WRONG. Not just wrong, but in the neighborhood of $2,000 wrong! You might think having too much money is a good thing, but NO NO NO NO NO. There were no contributions to my 401k, Roth, or any other allotments. There were no withdrawals for my benefits. Do I have medical coverage? Life insurance? Flexible spending? To make matters worse, my state and federal exemptions are WRONG WRONG WRONG. Because of this, I’ve just paid a BUTT LOAD OF TAXES!! Lawd bejeebus!

2 - Last but not least, if not THE most important - I can see it in the payroll system, but I can’t touch it. Why? The deposit was NOT made into my checking account!! So I got paid today, but I didn’t really get paid today.

Call me Dolla Bill cuz I’m pissed. Somebody done fugged up the church’s money!