Do you ever feel financially overwhelmed? Over the past two weeks we’ve had to pay property taxes on our rental home, home owners association (HOA) dues for our current home and rental house, our car registrations came due, a few bills were due, and another misc expense.
Under normal circumstances, none of these issues should have been a problem, as I would normally have saved for each of them and had the money in my savings account. But due to us moving and having to float two mortgage payments for a bit, I had to dip into those savings to cover things. I didn’t have to dip too much, but enough to make me have to scramble a bit and tap the emergency fund to cover all of the expenses this month.
Even though the money was there, I was stressed. I was watching my hard earned and diligently saved money just flying out the door, all in one week! In hindsight, it was a bit silly and we had the money to cover everything, so I’m not sure why I felt so overwhelmed and stressed, but I did. Any of you ever feel like that?
I think my biggest issue was I felt out of sorts for not having all the funds in the right places like I normally do. This coupled with feeling some guilt about having to pull money from my property tax and home owners associations funds to cover normal expenses. See, I fund my property tax and home owners association accounts throughout the year, so that when they come due all I have to do is transfer over the money and make the payment.
To be perfectly honest with you and myself, when it comes to finances, I have a bit of OCD. I’m also pretty confident that much of that is due to my integrity. See, when I write articles here on Gather Little by Little by little, advising you to follow particular things or suggesting that you “do this” or “do that”, I hold myself accountable to follow those practices myself. When I don’t, I feel guilty and get frustrated with myself. After all, I’m supposed to be the “expert” since I write the personal finance blog right? Ha! Well guess what? I make mistakes, get stressed, and even overspend every so often, just like everyone else.
Talking the talk and walking the walk are two different thing entirely. Writing about what to do and actually doing them 100% of the time is hard. Money is stressful. But I’ll bet you knew that already huh?
So how about you? Ever get frustrated or overwhelmed with your finances? Ever have those moments where you just want to throw all the bills up in the air and yell?