Car-Free,  Finances,  Frugality,  Investments

Desire and Frustration

I underestimated just how heavily it was raining as I left work yesterday afternoon. By the time I realized that I should open my umbrella it was far too late. I was soaked to the bone.

“I have got to increase my income,” I muttered as I sloshed my way home. If I acquired a full-time job making just $10 an hour, I would basically double my current income. I could afford the extra maintenance and insurance expense of a vehicle.

Unfortunately, I would have to work the same shift with someone I completely trusted to actually show up every day in order to earn the money to afford a vehicle, or sacrifice a lot of time walking to and from one of the local factories with my current transportation situation.

Basically, I’m caught in a Catch-22. I need to earn more money in order to afford a vehicle, but I need a vehicle in order to work a job that would provide that money.

That f*cking sucks.

So what can I do now, with what I currently have, in order to meet both short and long term goals?

I gave that a lot of thought last night.

I am already making progress. I’ve got an optometrist appointment scheduled for later this month. That is the first step in re-acquiring my driver’s license. Once I purchase a new pair of eyeglasses I will feel safe about applying for a driving permit. Once I attain that permit, I’ll have to wait around six months before I can even think of taking the driver’s test.

I am in the process of building my credit. To make myself feel better about my progress, I sent the credit card company $20 to pay off my current balance with money to spare. I’m doing everything I can do in that area, so after I made the payment I moved on to the other areas of my life.

Each day I restore at least one of my older posts to this website. Each day I work a tiny little bit on a new book that is in the works. It is still in the initial stages, but that book may provide a little bit more money to invest in the future.

Each night I read before I go to bed. I’ve got plans to attend the latest library book sale on my next day off in hopes of acquiring more books to further my education, so I’m doing everything I can do in that area of my life.

I am keeping up with reading the SEC filings on the companies I’ve invested in and plan to invest in at some point in the future. I pitch in a bit more money each month towards my investments. Other than pinching my pennies even further, I’m doing all I can do at the moment.

Since I’ve managed to reduce my smoking expense from 7-8 packs a week down to 3-4 packs a week, I’ve even managed to increase the amount I have free to invest. That means I’m making more progress in both areas of my life right there.

So what can I do now, on top of what I’m already doing, to meet my goals? I turned that question over a thousand times last night. I am busting my ass, burning the candle at both ends, just to do the things I’m currently doing.

Yet there are two tiny Baby Steps that I had missed.

I had yet to initiate my plan to stash half of my raise into my emergency fund. While I had established the savings account and transferred my emergency fund over in order to start receiving interest on the money, I had yet to sit down on payday, calculate half of my tiny raise, and transfer it over.

I pulled out the pay stub I’d received earlier in the day, calculated half of my raise, and transferred the money over. It wasn’t much, but it’s better than nothing.

Then, in order to signal to myself that I was serious about eventually acquiring a vehicle, I created yet another sub-account. I added $10 to that one.

It’s a measly amount, but at least it’s something. At least I am actively saving up, not only to purchase a vehicle, but to cover the cost of insurance, repairs, and maintenance when the time comes when I feel comfortable to buy. I’m not sure how much I’ll add to that fund each month, but as long as I do something, it will be better than nothing. It will be a lot better than bitching and complaining whenever I grow frustrated.

I will have something to show myself that I am taking steps to reach my goal.

But last night it just didn’t seem like I was doing enough. Ten dollars is a drop in the bucket compared to the amount of money I would require to feel safe to even consider purchasing a vehicle.

Depressed by that thought, I sat down and cried.

I gave myself a few minutes to feel sorry for myself, then I washed my face and got back to work. I am making progress, even though it doesn’t feel like it. All I have to do is keep working. The rest will come in time.

I pulled out my Success notebook, the book where I write down motivational passages and encouragement. I read every page. Motivated by that, I read one more chapter in my current business book and went to bed.

I can do this. I don’t know how I’ll manage things yet, but at least I’m making progress. I will channel my frustration into white-hot rage, converting it to the fuel I need to keep moving forward.

This is about more than me. I want to prove to the whole damn world that just because you’re poor it doesn’t mean you have to stay that way. I will learn how to run with the big dogs, and I will teach others how to do the same.

I’m gonna do that if it’s the last thing I do.

3 Comments

  • Sophie

    Annie – “The journey of a thousand miles begins with a single footstep.” Lao Tzu. You have taken that footstep! You will do this – I have read your blog for a long time and watched (and cheered!) as you have evolved both your lifestyle and your mindset. You have a winner’s mentality now and you can do anything. You have amazing courage and fortitude and you are truly on the path to both financial success and a happy life. These things will be on your terms because you are strong and have a long-range view and long-range goals. It took me two years, complete with several financial setbacks, to save for my (used) car, but I did it (and paid with cash.) You will, too!

  • Belinda

    “I will learn how to run with the big dogs, and I will teach others how to do the same.”

    Yes, you will Annie! Love your spirit and your determination.