But, its not enough anymore to just say "I'm bad with money" or "I'm stupid about money". I think my issues with handling my finances come from a lifetime of being told how terrible and stupid I am with my money. That the choices I make with my money are frivolous and dumb.
In looking back at my lifetime of earning, all i can see is how I was never encouraged to think about what "I" wanted to do with my funds but what the "right" thing to do was. I was told to save it all. Never spend it. And if I spent it, I was told it was on the wrong things. I've had income since I was about 9 and started babysitting. I had my first actual paycheck when I was 13 and got a work permit. My history is long with feeling out of control over my finances and being told that I was stupid and a spendthrift. Because, clearly, wanting the new Duran Duran tape is a completely stupid thing for a 13 year old.
I'm trying to rewrite this little script in my head these days. To remind myself that I am paying my bills and beginning to see where I spend my cash and that these are GOOD things. I am seeing where I can cut back on things and rein myself in a bit - not because I'm STUPID but because there are other things I'd like to do with my money. (Which are also not stupid.)
I stopped updating my budget software last week and now I have to catch that up tonight. Ugh. It makes me want to vomit because I've gone over in one area of the budget. But, honestly, what does that actually mean?
It means, that by keeping track of my spending for a measely TWO WEEKS I have seen how I "normally" do things. And I can see that my normal mode of operation really isn't working out. I can see how easily that can be remedied, and actually plan better for the next two weeks. I can even see how, in a very short while, I will be able to arrange things so that most of the bills are paid from one paycheck and the next one can be used for other things. I can see that I actually DO have enough money.
All of these things are not the actions and reactions of a stupid person, they are the actions of a person who is learning. It's so hard to be my own cheerleader on these things when I'm much more prone to being my own shit-talker. So, I've written my own little money-stuff cheer to say to myself when I'm updating my software or making money decisions:
Miss B is smart!
Miss B is thrifty!
She can save!
She is so spiffy!
Miss B is awesome!
Miss B is great!
She'll pay all the bills
And never be late!
Miss B loves shoes!
Miss B loves to shop!
She buys good stuff
but knows when to stop!
Okay, its not the best cheer ever written but hey, its better than nothing. And I always wanted to be a cheerleader - those poms are really pretty cool....
"Would you call your best friend an idiot or a dummy on a regular basis? Would they let you? Chances are not, on both counts. So why do you do it to yourself?
We feed ourselves a diet of negative self-talk such as “I’m an idiot,” or “I’m such a klutz” or my favorite “I’m too stupid to live” and then wonder why we lack self-confidence and self-belief."
-Helena Ritchie
