Oh what a slippery slope…Posted: July 11, 2012
So what happened to that girl? Life—first I left a family member borrow money to pay her bills. She was always going to pay me back and I never really said anything. And then I started to notice her being able to buy some odds and ends but she still had to come to me for money. And I put up with it for a few more weeks as I was able to explain it away rather well. Then I was asked to pay for my brother’s very expensive going away plus his birthday party and I’d be paid back. A few weeks before I was to go back to college, I asked for something back. Turns out that on a few shopping trips I went with that family member, I WAS being paid back but I didn’t know it. She never bought me anything and always asked if I wanted to go to keep her company in the first place but I when I said yes, that meant I was being paid back. I still can’t find where the logic in that is. But I didn’t push it as I didn’t want to start an issue. I did stop going on those trips though.
Oh and those shopping trips? Every time I went I came back with something. When I started to say I didn’t have enough money in my checking account, I was told to pull it from savings—that was it was there for right? I could always pay it back, I reasoned. Sadly, I didn’t. Oh and that party I helped fund? That came all from my savings. My savings account went down to $5 really soon. That was the bare minimum need to keep my savings account open. My checking account had less than $20 in it. That’s what I went back to college with and the idea that a savings account was there to help fund my shopping urges.
I’m not saying that my spendthrift ways were anything but my own fault. It was—I let myself be talked into “loaning” the money, didn’t follow up on payment and then allowed myself to pull money from savings. From there, it just spiraled out of control—well, I did.
Did you go from being a saver to a spender? Is it just me? And yes, my saving tendencies only lasted a few months but I know that if I would have just followed those instincts I would be in a much better financial state.