Every time I believe I know what I’m doing with finances, it freaks me out.
That’s usually when I find out I’ve forgotten to pay the electric bill or haven’t checked our bank account in two weeks and now we’re overdrawn by several hundred dollars or, as just happened, miscalculated our IRS tax payments, which caused our anticipated refund to drop by eight hundred dollars.
Even when I get things right, I experience heavy sweating, just waiting for the next fun monetary surprise. I’d like to feel good about the little things I do well, but that feels like total hypocrisy.
What’s it like to experience a sense of confidence that doesn’t lead to a panic attack?
I’m in charge of our household budget. To me, this statement is as frightening as “Nuclear missiles are headed to Seattle.”
Mostly I do okay, but last December I accidentally paid the mortgage twice. Then I did great for three whole months, and just this morning I accidentally paid an extra half-mortgage payment.
I know what you’re thinking: “How does someone accidentally pay extra on their mortgage?”
Why the hell are you asking me? Haven’t you figured out I don’t know what the fuck I’m doing?
After I confessed my newest interesting financial move, Paul and I figured out the necessary adjustments to our accounts, and we’re fine. But I’m freaking out. I keep thinking, “What is my next mistake, and how big will it be?”
(I do understand that there are far worse financial errors I could make besides accidentally paying extra on our mortgage principal. I’m not stupid, entirely. But still.)
After the latest mini-crisis, Paul and I had this conversation:
Me: So do you still trust me with the finances?
(Translation: Please take this shit off my hands.)
Paul: Sure, I do! You’re doing great!
(Translation: You scare the crap out of me, but I sure as hell don’t want the job.)
Me: Well, okay. But at least you’re checking the budget spreadsheet updates I send to you, right?
(Translation: I’m totally alone in this, aren’t I?)
Paul: You bet! Well, I skim them at least. Mostly. From time to time.
(Translation: You sure are.)
"I've always found paranoia to be a perfectly defensible position." – Susan Lowenstein, The Prince of Tides by Pat Conroy