oh, hi moneybags
By Elizabeth
@Poppylicious (11134)
United Kingdom
July 27, 2016 3:13am CST
I have just been served by a student of mine in Costa, in the small historic market town where Husband works. I'm waiting for Mumsy and wasting the hour by drinking a skinny hazelnut latte mochachockawocka coftea milk drink. Medium. In a few minutes the shops will throw open their doors and I shall have a gander at their wares.
I prepared for the occasion of a day with Mumsy by checking my bank account balance last night. OMG. I'm running out of money; I have only £950 to last me till payday, with payday being a whole two days away.
How will I survive?!
It's daft really. If my bank balance gets below £1000 I tend to get in a palaver. I don't even earn that much in a month {just under, in fact}. I listen to other people who are happy to just break even when payday arrives, or who get to their overdraft limit just as payday hits, and then spend the next month living off their overdraft again, always stuck in this vicious circle, and I realise that I'm well-off in comparison to others.
I believe my fear of lack of money stems from being dragged up, kicking and screaming {seriously, who really wants to grow up?}, below the poverty line. I have a memory of Mumsy being unable to afford the twenty pence subs I needed for Brownies, week after week. Brown Owl, mother of a friend of one of my siblings, knew our situation and still told me off. Who does that to a child?
So now I like to have money. I don't want to spend it, i just like having it there; I borrow books from the library rather than buy them, the majority of my clothes come from charity shops or are bought when there's a sale on, we shop at Aldi and always check the clearance shelves at Tesco. I have money in an ISA too. Not a lot, but a few thousand. Because it's in the ISA and I can't get to it easily I tend to forget I have it, so it's always a pleasant surprise when I suddenly remember!
I am thankful. As a child it was horrid having to be so poor, but it taught me the value not only of money, but of kindness and sharing. And for that I am grateful.
4 people like this
6 responses
@stringer321 (5682)
• Kiryat Ata, Israel
27 Jul 16
Hi, Elizabeth, money saving is an art and a very useful skill in our reality.
Everything costs money and many times, it costs too much: having a car, transportation, electricity, renting an apartment and etc...
I still live with my parents to save money for the future and my job barely covers my needs.
I'm looking for another job right now and I hope to find a better job soon.
If I will have money to give to my nephew, I will buy him what he needs. Why did your aunt tell you off ( you have written about it at the 5th paragraph) ?
What do you do in your life to support your needs and your family needs ?
Maybe you can look for a better job ?
@Poppylicious (11134)
• United Kingdom
28 Jul 16
Not my aunt, Brown Owl {it's a Brownie term, with Brownies being part of the Scouting movement} told me off for not bringing the few pennies we were supposed to bring for being a member. I don't want a better {paid} job. I'm a qualified teacher but didn't enjoy the administrative side so gave it up for something less stressful. I like my job. Anyways, I have money - I'm careful with money, not extravagant. :)
@stringer321 (5682)
• Kiryat Ata, Israel
28 Jul 16
@Poppylicious Lol, I need an urban dictionary around here then.
I wish I was in a scouting group when I was younger.
You are very lucky for being a brownie in the past. It gives self confidence, social skills, and many useful skills besides selling cookies. Many adventures and fun.
I'm sorry to hear you have stopped with teaching because of the administrative side. Teaching is a very meaningful job.
I'm glad to hear that you have money and I hope it will stay like that forever.
@Poppylicious (11134)
• United Kingdom
28 Jul 16
@stringer321 I liked being a Brownie - then I became a Girl Guide when I was eleven, and I hated it with a passion! I could have stayed a Brownie for ever, it was so much fun!

@Poppylicious (11134)
• United Kingdom
28 Jul 16
So do I! I think I've got it down to a fine art - I can afford the occasional luxury, eat well, enjoy a roof over my head, and still have a pot of savings for emergencies.
1 person likes this

@Poppylicious (11134)
• United Kingdom
28 Jul 16
Yep, I feel much happier knowing there's enough for a 'rainy day' ... you never know when that 'rainy day' may call.
@xFiacre (14804)
• Ireland
27 Jul 16
@poppylicious That's refreshing to read. I hate living on borrowed money like overdrafts. There should always be some left aside in some difficult to access account. We generally but from charity shops and since we live in a pidh part of town the charity shops are well stocked with our neighbours' fancy designer labels. I prefer my money sitting in my own account rather than in the pockets of Marks and Spencer's shareholders.
1 person likes this
@Poppylicious (11134)
• United Kingdom
28 Jul 16
Ah, the shops in my town are full of tat due to the area {rather deprived} but go into the more affluent local towns and the city and the tat is designer tat and very nice. You have to know your locality to be a good charity shop shopper!
1 person likes this
@JadePlatypus (234)
• Australia
27 Jul 16
I am the same. I do not like it when my account drops below the $1000. I stress a bit. And for the same reason as you @Poppylicious. I come from a large family, and we were well below the poverty line. I never even knew about finances until I left home- there was none. Pocket-money- what a joke- never, ever, ever.
Now, I love to put a $20 note in a drawer somewhere- and find it when I tidy up. I fold money up and put it in a different compartment of my purse, and forget it's there. . And I bank a bit each week into a different account, and forget it's there too, until I need it.
I know that I am fortunate now. Those early ways of living though, I have never forgotten.
1 person likes this
@Poppylicious (11134)
• United Kingdom
28 Jul 16
I love that feeling when you find money in a drawer or the pocket of a coat you haven't worn for a few months. Even if it's only a couple of pounds, it's still a brilliant feeling!
1 person likes this









