After many years of careful financial planning and frugal living, K and I have painfully realized that no matter what, we always end up with a certain credit card balance every month. Trust me, we are not partying every weekend, or shopping at Calvin Klein. We rarely eat out, have no kids, and watch a movie in the theatre maybe once a month or so. We still run up a balance, larger than what we like. It could be due to an unplanned medical emergency, or a car related repair, or some other unanticipated home repair expense.
I am now leaning towards a very unscientific explanation - maybe, it is my karma to have a certain "varavu" (income) and a certain "selavu" (expense) every month? I feel powerless before it. I could just pay my rent and not climb out of bed for the next month all weekends, but somehow, the check engine light in my car will start flashing and before I know it, the auto mechanic gets richer by a few hundred bucks.
So, when spending is your karma, is it just better to go shoe shopping? Am I crazy for thinking this?
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4 comments:
This is exactly the reason why I am going shopping tomorrow. I havent bought myself or hubby dear anything in ages and yet we have ridiculous credit card bills every month, so might as well go and actually spend money !
I have faced this same kind of problem for years now. The moment we manage to save some extra money, we are somehow faced with some major expenses.
But I look at this from a different angle. I am actually glad that I always have enough to pay off the unforeseen expenses. One of Jagjit Singh's gazals has this line "Meri Chadar mere pairon ke barabar kar de" meaning - God, if not longer, at least make my blanket long enough to cover me. :)
And, thankfully, till now our chadar is a little longer.
I told these exact same words a year ago :) No matter what, so I gave up and having a good time throwing out some serious money and the difference in the CC bill is not all that bad :)
It could be your Karma to be spending, just as mine and if it makes you feel any better I am sure a whole lotta mylaporeans are left poorer by a exponentially growing credit card bills ... every day.
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