As followers and friends will know, I believe totally that everything happens for a reason. I believe that the Universe has a plan for me and I am regularly tested, not to test me, but for me to judge for myself how strong my faith is.
I realise that to a lot of people this sounds like madness, but it matters not, I no longer need anyone elses approval – it works for me.
A week ago my world came close to crashing down around me. I had 3 major financial hardships in one day, meaning that I am going to have to rethink my life.
Although it came as a shock, I can now see the reason for it happening.
I’ve not got a very good relationship with money, over the years it has caused me much heartache, both in having it and not having it. Following years of severe financial strain during my marriage to an alcoholic, where I had to watch every penny & had no financial freedom whatsoever, when I found myself single, with money in the bank I couldn’t cope.
The money that was rattling in my bank account was thanks to the sale of our marital home, from a marriage that I had desperately tried to save.
How I hated that money!!!
Advice came thick and fast – go on a cruise, buy a huge television, buy all the things that I wanted. I tried, really I did. After a few months of renting, I bought myself a small flat, thus getting rid of a huge percentage of what felt like ill-gotten gains. I didn’t want any of the luxuries that friends told me to buy, I gave quite a bit away, then went on a silly spending spree. I would buy anything ‘pretty’ or ‘girlie’. After a life time surrounded by 5 sons and 3 husbands, pretty, girlie things were in short supply. The thing is, I didn’t really want these things and the novelty soon wore off.
Because my needs were minimal ( I don’t have a car, drink, smoke, do drugs, gamble etc) at first the money didn’t really go down much. I began giving a lot to charity, in a way it was penance for failing as a wife.
After a failed business attempt, where I lost quite a lot of money, suddenly there was very little left. So I began spending on credit cards instead.
I hated the years when we were living in such debt, yet I seemed hell bent on reliving it. I began buying all sorts of things, most of which I never used.
Worried that it could be the return of my mental health problems, I consulted a psychiatrist who assured me that it was a delayed reaction to my stressful marriage and that it would settle in time.
The difficulty with any habit is that it can get out of control. I became the butt of many jokes about the amount of things that I was buying.
Thankfully, I came to the realisation that it was just comfort buying and that it was no more than ‘stuff’, not really even possessions. I began to declutter my flat ( well documented) I sold a few things but gave most things to a charity shop where I volunteer. Unfortunately as soon as I was getting rid of things, I was replacing them with further clutter.
I wanted to stop. I tried selling a few more expensive things but couldn’t bring myself to ask for anything like the worth, almost paying the purchasers for the privilege of rehomeing my things.
When my first credit card bounced, it came as a shock, never the less the spending continued on another card.
During this time I began to realise how much I despised many of the things that filled my home, so increased the decluttering/ donating. However this wasn’t helping me pay off my outstanding bills. I was running into big trouble and knew it!
I made many lists, cutting out unneccesary direct debits, working out how to save money, but nothing really changed. I looked at homeless people and felt dreadful, I couldn’t even help them because I had nothing left.
I prayed for guidance.
By now, having decided to raise money on my flat through equity release, rather than easing my worries, my haphazard spending increased, bringing no pleasure whatsoever.
Then my guidance came, but not in the way I’d expected.
My expected loan against the flat was refused, due to the high cost of the service charge, making it non viable. Boy was that a shock!
The same day I received two other financial setbacks,one being the quadrupling of my care contribution, also some anticipated extra money didn’t materialise. On top of all of that, adding salt to my already weeping wounds, my computer caught a nasty virus that cost an unexpected near £100 to repair.
I should be devastated, but actually I’m so thankful!
It has forced me to really look at myself and my wasteful lifestyle. My money could have done so much good, yet I wasted it, now with my outgoings far higher than previously and with no equity release to pay off my bills, life has to change. My increase in care contributions was beyond my reach, so I have been forced to cancel my carer. Although I’m nervous about it, as she has been my lifesaver, I realise that I am being told to take personal responsibility.
With no leeway on my credit cards ( all maxed out) it will take me years to get back onto an even keel. But with the financial shocks, coming all together, it has jolted me back to reality.
This week I have searched through my flat and found several things that I don’t use, so have successfully sold them. I have looked at my bursting at the seams food cupboard and have decided to use it up, rather than buy new. Rather than investing in another overflow freezer, as I’d intended, I can actually eat what’s filled up the old one. I have reduced my eating lunches out, choosing to eat at home instead. I have stopped a lot of subscriptions to sites that I rarely, if ever, use.
At last I feel more normal. I’m just a pensioner with a very small income, I don’t need to spend so wildly. However I’m not panicking, or too worried. Things will work out, I’m sure of it. Opportunities to earn money will present themselves. That’s what I’ve needed – to earn what I spend, to give it a value.
To many readers, this will sound bizarre, probably thinking that I don’t know what hardship is – believe me I do. I spent so many years without a penny to my name, convincing the kids that playing games by candlelight was fun, when in fact I had no money for electricity. Hiding from debtors, court summonses etc. Believe me, I’ve been there – for a huge chunk of my life! I now owe more than I ever have, with very little means of paying it off. But pay it off, I will.
Something will come to show me the way. An opportunity will show itself. I really believe that.
When things improve, I want to be able to appreciate what I have and own, not to come across endless carrier bags of things I’d bought on impulse and not even unwrapped. Thankfully my tastes are fairly simple, so most purchases came from second hand shops, I’m not into high living, expensive perfumes and the like.
Yesterday my mobility scooter decided to play me up, I need it for my independence, so will have to get that looked at too. But the Universe wants me to feel more humble and be more grateful for what I do have, not just spending money that I can ill afford, to buy something new. I understand that. I am so grateful for that understanding. Without this wake up call I could have totally gone under, but I don’t believe that this was the Universal plan for me. I need to be more honest with myself. More humble. Live more simply. Something will present itself. Maybe I should apply to magazines or similar, touting for freelance work? Maybe I should get my book finished/ published ?
I trust, absolutely and totally. I was living in a fantasy world. Being honest on here, and to myself has been very freeing. I will be alright. I will find the way that I need to put this right. I have many talents and skills that I’ve not felt confident about.
I give thanks to the Universe for this painful, yet powerful lesson.
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