Freaking Out

So I had a series of banking fuck ups which led to my bank charging me around 100 dollars that I can't afford in fees because I was absent-minded and kept forgetting to deposit a couple of checks I'd gotten in the mail and also forgot about an automatic charge that was coming up.

This, and my reaction to it, has made it finally apparent to me that I'm completely freaked - over the moon - at the concept of being a real adult and having to be financially responsible for myself. Yes, I have a degree, and I know how to work and how to study and how to learn and some stuff about how to have relationships and I know how to make money. I just have no fucking clue how to manage money or save it or otherwise ensure that I'm not always broke and screwing up with overdraft charges and fucking up my credit. This is something I have not yet learned at all.

And that's really scary. I have a stay of execution of sorts in staying with my parents for the summer - no rent. After that, though, I'm on my own and with almost no idea of how to pull that off.

I realize now that I desperately need help, a teacher of some sort in how to do this. Soon. Now. And I need to save a lot this summer and get it under control. If I screw up my credit (I don't have cards, thankfully, so it hasn't happened yet), that's very hard to undo. I do not want that.

Also, I'm completely broke now and don't get paid until next week. It's so ironic and stupid to be this privileged, living in a nice house, typing on a nice computer, with a pretty degree I'm lucky enough not to have paid for myself, and yet to be so clueless with money that I can't even handle small life expenses. It's such a product of being spoiled, and I'm frankly ashamed of it.

What good can I do with my privilege if I just destroy it by being spoiled and ignorant? I need to get this shit figured out so I can devote my time (and time is money) and money and life to doing good things and helping people.


Unknown said...

I relate to this post like whoa. I'm 24 years old, almost done with a Master's degree, holding a full-time internship, and living at home with my parents rent free. I have no income, and when I did have a paying job, I lived paycheck to paycheck. I have no clue how to manage my money, how to budget, how to save. In fact, I've long thought that colleges should offer a course on personal finances to help students learn how to manage their money after graduation.

You say that you need a teacher; can your parents help you or give you some advice or tips? I would offer some of my own, but I'm in the same boat you are!

On living, loving, learning, and fucking with the materials I've got at hand.

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