So, tomorrow (well, officially, today) my hot new girlfriend will be moving in with me.  I’m going to play her like a piano. 

(Side note:  I never WAS very good at talking dirty.  Can you tell?)

Also, a short correction from yesterday’s post.  Technically, Lillias is not the FIRST piano I’ve bought.  I bought a Yamaha Clavinova digital piano when I was in college, which I owned for six months and then traded in for a keyboard and a guitar.  (This was during my “I want to gig as a musician” phase which ended tragically when I musically vomited all over a Borders Bookstore in Provo, Utah and finally realized that the life of a gigging musician was so NOT for me.  The keyboard and guitar were later repossessed when I declared bankruptcy.

Anyway, while I’m extremely excited about my new roomie, my excitement has been more than a little tempered by my disappointment in myself concerning the whole monetary aspect of my piano.  I just spent $11,000 paying off credit cards, and I turn around less than two months later and buy a piano.  I still haven’t paid off my last credit card. 

What disappoints me the most, however, is that I emptied (and I mean emptied) out my bank account in order to make a decent down payment.  I bought the piano on Saturday, and then, on Sunday night, my windshield wipers stopped working on my car.  Normally, that wouldn’t be a HUGE issue, but let’s not forget where I live.  Sunday night, I was freaking out.  I have $8.23 left in my savings account right now.  And my next payday is not for another week and a half.  I’ve got plenty of food, I’m set for gas, I have paid all my bills for August, so I don’t NEED to spend any money between now and the next payday, but again, for the first time, I’m freaked out about the fact that I have nothing in my account.

Fortunately, the problems was just a bad fuse, which was extremely inexpensive to replace.  But if anything goes wrong in the next 9 days, I’m ska-rewed.

As I was laying awake early Monday morning, mentally flogging myself for being so stupid, I had a some realizations.

First: This is a major, major problem that needs to be resolved.

Second: My spending has gone far beyond just a simple lack of self-control

Third: My skills at justification are legendary.  But, as they say, justification is like masturbation.  You’re only screwing yourself.

Fourth: What I REALLY need is a spouse who will manage the household finances and give me an allowance.

Fifth: Since that’s not going to happen, I’m pretty much on my own.

Sixth: I’ve been on my own for 14 years, and I still haven’t managed to learn how to control my spending.

Sevenths: Spending is my drug

Eighth:  The time is far passed that I seek some professional help to get a hold of my spending.  So, I’m shopping around for a good counselor who has some experience with addiction.  I think it’s obvious that I’m trying to fill some void in my life with stuff.  I need to figure out ways to fill those voids in some other way, and I’m plumb out of ideas.  Maybe while I’m at it, I can also learn to let go of the overwhelming amount of guilt that I feel simply by being alive.  Jeez.  You’d think I was Catholic or something.  Of course, I can’t help but consider the irony of having to spend $300-$400 extra a month to see a counselor for a spending addiction.

In any case, in terms of paying for the piano, I will be able to make my monthly payments EASILY and still have a lot of extra money left over for paying off credit cards.  In fact, if I just stopped eating fast food, I could more than pay my monthly bill and have this piano paid off early.  And it would be good for me.  So, that’s my compromise with myself.  I can keep the piano, but I have to limit the fast food to no more than twice a month.  If I forget my lunch, I either drive home and get it or go without.  If I don’t feel like cooking, I’ll eat cereal.  No more excuses.  (And since we can all see how good I am at self-control

No, this time around, it’s more about my frustration over the lack of self-control that I seem to possess.  And my complete inability to deny myself anything I actually want. And my concern that I seem to be 100% incapable of saving because if I see money, I spend money.  If anyone knows of any good addiction counselors in the Bellevue/Redmond area, please let me know.  (Privately would be fine.)

Coming soon, Lillias and I make sweet, sweet music together.

  • Jessica

    I totally get your pain. I too spend what I don't have for comfort. But I usually buy smaller items. Like last night, I bought two pair of shoes and a new computer bag…so a little under $300, but still I had zero dollars to spend. I call it "retail therapy" because when I need a pick me up I "need" something new. It happens about once every 6 weeks…yikes.

  • http://www.whiteeyebrows.com WhiteEyebrows

    How did I know this post was coming?  For reals… 
    I'd just start with ground rules.  It's OK to spend money if you HAVE the money. If you stop yourself before you buy stuff with money you don't have, you'll save yourself!  So rule #1 has to be – I can buy it if I have the money IN my pocket to buy it.  (Money in an emergency fund doesn't count here, you have to have 3-6 months of expenses saved at all times…)
    I actually like to plan and miser for purchases.  It makes the "win" of actually buying it feel so much better if I have waited and planned and anticipated for a long time.

  • http://www.whiteeyebrows.com WhiteEyebrows

    Start religiously watching Suze Orman.  She'll knock the spender right out of you.  You'll find yourself asking "Can I afford it?" with everything!  For reals… Subscribe to her video podcast now!

  • http://www.mattarmstrongmusic.com Matt

    @WhiteEyebrows

    I know all of this stuff.  I do watch Suze Orman.  I listen to Marketplace Money.  I've even suffered through Dave Ramsey.  I've read the books.  I've done the envelopes.  I've tried all this stuff, and I always fail.  Always.  

    It's not about setting the ground rules…I've set them.  I just don't keep them.  I have nobody or nothing other than myself to enforce the ground rules…and apparently, that's just not enough.

     

    @ Jessica – I'm with you.  We need start calling that the 6-week itch. Because that's about how long I can go before I start feeling it.

   
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