Being broke

Going from a salary of around £50k to around £0 is a bit of a shock to the system. Especially when you do that immediately after buying a house – not that my mortgage is any more expensive than rent was. I am fortunate in that I can afford to tide myself over for a few months, so I’m not really down-to-my-last-dime broke. But, I very really could be. Oddly, this situation is still a whole lot less anxiety-provoking than my last job was. As time goes on, I’m still unpacking how very damaging that was for me.

I have started my own business offering business coaching to small businesses and for a couple of weeks in, I think it’s ok? Some interest, anyway and I will keep pursuing that. But, I’m also still applying for jobs – full time, part time, anything I can get. Some money is better than no money and fortunately, I never thought I had a career in the first place so it’s not like I’m wedded to anything in particular.

And, inevitably, I have a budget and am suddenly very aware of where my money goes. I don’t have disposable income any more, so unavoidable costs like parking have to come out of money allocated for something else. Probably food, as that’s the one area really under my control that I can whittle down even further.

Other than the fact that having to sense check every purchase adds a lot more decision making to my days, it’s all ok. The luxuries just go, and I don’t really mind. I’m cooking and baking more, which I enjoy. Now that it’s Asda and Lidl rather than Sainsbos and Waitrose, why buy their crappy bread (and it is crappy) when I can bake a better loaf at home?

The interesting thing is with job applications, though. I’m used to being able to drive everywhere and not consider distance. But for a minimum wage part time job, I do have to take that into consideration because I could easily wipe out a most of a week’s earnings in petrol and parking. Or parking and bus fares. Or parking and train fares. So although part of me is thinking apply, apply, apply, that’s not actually realistic. Argh.

Well, all I can do is to keep chipping away at the problem. I won’t say ‘and hope something comes up’ because it’ll take more than wishful thinking!

 

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musingsfromthesofa

I've run out of books. Again.

One thought on “Being broke”

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