So I’ve been ill the past couple of days. And when I get sick I become an anti-social crotchety old grump, well more so than I usually am anyways. I don’t even like interacting with people via email and text while I’m sick. I just sit in a darkened room and feel sorry for myself until I get better. Yes, I’m one of THOSE people.
So today is the first day back at work, I’m feeling about 1000% better than I was on Tuesday, but only about probably only 50% normal. But I got a metaphorical hop, skip and jump in my step, along with an energy drink intravenous injection when I opened up my browser to do the fortnightly bill payments.
What I was in my bank account was actually double what I was expecting.
So while I did my Snoopy Happy dance (see above), to the bewilderment of my work colleagues, I realised something. I have just stepped into a veritable minefield, and I’m tap-dancing my way across.
I’m good with consistent budgets. When I know how much money is coming in, at regular intervals, I can stick to it and usually come out on top (unless I get sick of it of course, but that’s a whooooole other issue). But when it comes to budgeting for those unexpected windfalls (note: I always thought the word was “winfall”but apparently it is windfall. Basically in reference to the olden days when fruit would be blown off a tree by the wind, therefore providing you with a tasty treat, but without the work… the things you learn from this blog… 😉 ) I tend to go all gooey-brained.
I mean my budget takes into account if any emergencies which may crop up, but I don’t think I’ve sat down and actually thought about what would happen if I got more money than expected. Okay, I was expecting this money, but its one thing to expect nearly 2 grand to be available to you, it’s another to actually see the extra moolah in your bank account. And I’m not quite sure what to do with it. I know I said I would keep it aside for paying off the lease amount of my old place, but I have these little voices suggesting the oh so many wonderful ways I could dispose of this money.
The little voice in the tweed jacket, bifocals and smoking a pipe says I should just pump it all into debt repayment, and stay for as long as possible in my current untenable living situation.
The voice in the slim cut, single breasted black suit with the red silk lining is shouting the word “suits” at me repeatedly. And emailing it to me. And texting it to me via his iPhone.
The greasy haired, sweatpants-wearing, pimple-ridden gamer voice in me wants to use the money to buy a new gaming desktop.
The khaki-wearing, polo-top aficionado, who is in “nesting” mode, wants to use the money to go out and buy some new furniture.
And the sane voice (har har har, yes there is ONE sane voice in my head. He’s usually gagged and tied up by the others but he’s there!) is mumbling through his gag that I should stick with the plan.
The thing I really don’t want to do, is to not listen to any of these voices and just slowly eat away at these funds, with NOTHING to show for it. If I’m going to blow the money, I’d like to have at least something to show for it, rather than spending it on crazy nights out.
Isn’t it funny, we plan our budgets, our spending, our life to cater for the bad things that could happen to us (“emergency fund” anyone?), but we seem to be at a loss, well I am anyways, when we get a windfall.
I guess when it comes to money, it’s not that often that we think someone will give us more than expected, but we fully expect to be charged a whole lot more than we thought.