Monday, November 22, 2004

Well...

It's been awhile since I've posted to this blog, and it's completely not related to writing. But I need to vent...so here it is...

Lately I've come to view life as people who stand on a mountain. How they live/conduct themselves/handle their finances corresponds to their position on said mountain. People who are fiscally smart hunker down, maybe they dig a hole, they know how easy it is to fall off this mountain. Other people, prefer to live life on the edge. They dance very close to the cliff and prefer to stay there. They haven't fallen off...but their position is very precarious. It's very close to the edge. Then one day a terrible storms blows over the mountain. The point is how you weather this storm. Are you snug and secure? Or have you gone so close to the edge that one only needs to blow a puff of wind and you fall right off?

One of my non-immediate family members just suffered major damage to their rental house. It wasn't their fault, just one of those things that happen. Because they are living pretty much paycheck to paycheck, and they won't be able to move back in to their rental house for 2-3 months, they are, essentially, homeless. A lot of it has to do with California because such a fucking expensive place to live...part of it is because they don't handle themselves financially well. They've almost fallen off...luckily they have family who is (and has been) there to bail it out. But once you fall in, it is so hard to get out of that vicious cycle...every paycheck you have is pretty much eaten up for food, bills, kids, etc. There's no opportunity for savings, and if you have no savings, then you are stuck living paycheck to paycheck.

It kind of freaks me out because it could so easily be me and mine. I mean I try my hardest to save and be financially smart, but since I'm getting laid off early next year, and you never know if your spouse is vulnerable to layoff as well...I don't even want to think of what would happen in that scenario.

So for now, it's me planning like mad for a secure financial future in these uncertain times.