This past Saturday, I came home and found my cat Moses beside my bed. He was lying on the ground in an unusual manner, his rump sticking out from underneath the bed. An odor of wet excrement wafted up from his location. This wasn’t new. He’d been having stomach issues for the past several months, a revolving door of constipation or diarrhea. And although it wasn’t my favorite job, I grabbed the pet wipes and tried to pick him up to wipe his rear end.
I picked him up and he whined. I put him down and looked at him. His sides expanded and contracted at a fast pace. A worrisome pace. I stood there for a while, took a deep breath, and picked him up again. He grabbed at my bed but I held him against my chest and took him to the den where there was more light so I could see.
Once I made it to the den, Moses meowed in pain and squirmed in my arms. I bent over to lay him down on the ground when he swiped his paw at my face and dug his nail into my nose. He ran from my arms and I went to the bathroom. I’m very anal about my face so I flipped on the bathroom light to see the damage. It felt like his whole nail had gone through my nose but once I inspected it, it was more of a deep scratch. I put some alcohol on it and then went back to Moses.
He was in the dining room and hiding underneath the dining room table, his breathing labored again. My stomach tingled now. I knew this wasn’t good.
I went to reach for Moses and he whined again. And then he looked like he was trying to throw up, his bony shoulders rising as he retched. I stood up and walked from the living room to the dining room, my stomach vibrating now, like a cell phone buzzing in my bowels.
Ohgodohgodohgod this is it.
I went back to Moses and he had drool hanging from his mouth. I’d never seen that before. My own breathing became labored. I didn’t know what to do.
I went into my parents bedroom and…and then I didn’t know what to do again.
“Mom, Dad…” I started. Mom woke up. “I…uh…Moses. It doesn’t look good.” And the buzzing in my stomach shot up into my throat. Out of nowhere, I started sobbing.
“I know,” she said. “He was really sick earlier today.” She got out of bed and I covered my face. The tears came in short, stabbing bursts. “We tried to call the vets we knew but they weren’t open,” she continued. “No one answered the emergency numbers we called.”
I stood to the side as Mom moved past me to check on Moses. I paced the den again and tried to collect myself. I thought I had prepared myself for this moment. He hadn’t looked good for a long time. There was always a piece of me that worried it was going to happen soon, that he didn’t have much longer. But I tried to shrug it off. He was old. He wasn’t as quick. He had some tummy troubles but he wasn’t in terrible shape. It was just old age at work. He was okay. He was okay.
But he wasn’t.
I used to never look at my checking account. I spent money like I assumed it would always be there. I bought stuff I didn’t need. Sometimes I bought stuff I didn’t even want because buying things made me feel better. And buying food always made me feel best.
I avoid stuff. I’m good at it. I like to ignore subjects that make me feel uncomfortable. I always reason with myself that I’ll deal with it when I’m emotionally ready. But I’m never emotionally ready. I bury it deeper inside until it resolves itself or until it becomes unavoidable and I actually have to face it.
My pants get tighter and I tell myself I’ll start dieting the next day. My funds dry up and I say I’ll finally publish my book and hope to make a good bit of money from it. But at the end of the day, I go to the grocery store and stock up on candy. I eat it. And then it starts over the next day and the next week and the next month and the next year.
One of the things I’ve been ignoring the most is my student loans. I’ve been clueless about them ever since I first applied for them. My parents never dealt with student loans before and didn’t know how to help me with them so I just went for a company my college recommended.
And then when they came due, the minimum monthly payments were too high so I deferred them and then used forbearance. I couldn’t find a stable job and the money just wasn’t there. I eventually settled into my retail job and was fortunate enough to be promoted to a supervisor, which gave me a decent pay raise. About that time, my deferment and forbearance was exhausted and I had to start paying them back.
I set up automatic payments from my checking account so I wouldn’t have to look at it or deal with it or think about it. I didn’t even know where to go to check on my balance.
My mom has always dealt with the family finances. For example, my dad gives my mom his paycheck and she pools their money together and distributes it to the appropriate channels. Maybe I’ve inadvertently started to think of my mom as a bank, collecting and lending money as she saw fit and never bothered to develop my own financial independence.
Well, better late than never.
Last month, I really had a talk with myself about how much money I spend on junk. I spent money ’cause I was in pain and it was a self-medicating measure. And that’s why I can’t get mad at myself over the wasted money over the years. I didn’t mean to be wasteful. I just meant to be okay. What’s done is done and I can’t get upset over spilled savings. No matter where I was, here I am now.
I downloaded a few financial apps to my phone and researched my student loans. It was a bit disheartening to see exactly how much I owe back and how little of my monthly payments are actually going to the principal but at least I know now and from this point onward, I have a better idea of where my money’s going.
With this new job, I’m making a bit more money and I’m hoping it gets better soon enough so I won’t have to quit and lose that pay increase. In fact, at this point I should keep the job no matter how much I hate it because this is what being an adult means. I got myself in this financial mess and I have to get out of it, even if it means several years of scraping by and being poor and skipping cheeseburgers so I can use that saved money to chip chip chip away at those loans.
No, no, wait. Focus.
It’s really a win/win. I’m saving money and calories. And I’m pretty proud of myself because I haven’t spent any more money than I’ve absolutely needed to this year. Sure, we’re only 18 days into the new year but I’ve really concentrated on doing better. It’s one step at a time, one day at a time. And I feel good about it so far. I hope I can keep it up!
I always feel I do better when I’m making goals and working toward them. When I wake up with no direction, I usually get nothing accomplished and feel terrible at the end of the day. It’s difficult to make goals sometimes because I am an all-or-nothing type of person. Moderation is a hard concept for me to grasp because if I’m going to do something, especially something I don’t want to do, I want to see fast results. Otherwise, it’s easy to give up.
There are some days when I feel I have to starve myself, work out until I’m dizzy, write ten chapters and read an entire book in a day for me to feel like I actually did something productive. And that’s not healthy because trying to meet such high standards on a daily basis only sets myself up to crash and burn. And I always do. And that makes it harder to get back on track.
But there are other days when it’s like a switch has been flipped and I can understand and utilize the idea of doing and eating and experiencing things in small portions. I can have a slice of cake and not feel guilty. I can do moderate exercise for half an hour and feel like I burned some fat. I can write a chapter in the book I’m writing or read a chapter in a book I’m reading and I feel like I accomplished something. It’s during those times that I do my best and feel my best.
For a time last year, I woke up and made daily goals, usually involving exercising, reading and writing. I’d write during my lunch break at work, exercise when I got off work, then read before bed. Sometimes I wrote a lot and read a little or exercised a little and read a whole lot and didn’t write very much and there were days when I didn’t get around to doing one thing on my list because I got too busy or felt lethargic. That was okay because the majority of the time I accomplished most, if not all, the things I planned to do. When I had a goal to strive for, I had direction. When I had direction, I actually got stuff done. And that felt good.
This is the time to get back into that mode, to make goals and strive toward completing them, to get stuff done. If I fall short on a few things, that’s okay because I can always make it up the next day. It’s a tired expression but every day really is an opportunity to do better. I just have to remember that and not beat myself up if I can’t get it all done in one day.
It’s a one-step program, taking things one day at a time, one goal at a time, one accomplishment at a time. It’s all about patience and persistence. It’s about always reminding yourself of the good your doing, how the small things add up to big changes. And that takes a lot of energy and when you don’t have much to begin with, it can feel overwhelming. But it’s worth it. I just have to keep that in mind.
I’ve done all this before. Not once but twice. And I can do it again.