Thursday, January 10, 2019

Save Your Money, I Beg You


I try not to get myself mixed up in other people's affairs. I do everything I can -- diligently -- not to insinuate myself where it's none of my business, and where, frankly, I'm not wanted. This goes equally for family members as well as total strangers. Leave them to their own abilities, and if I see something askance, look away, don't get involved. That's family members. As for total strangers, just walk away, let 'em crash and burn if that's their will.

I'm setting aside this ironclad policy today, momentarily, to beg, plead, beseech, and implore you, to SAVE YOUR MONEY! If I can convey this one wish in a convincing way, and have even a shred of assurance that you're following my advice, I can walk away, content that you'll be OK. But not everyone is so responsive, and I fear that without due diligence that could be your path. You might casually note what I said, then be curious about my insistence and my sudden involvement, and choose to be cautious with your funds for a moment. Then after a time, you'll think, What's that guy know? What's it to him if I save my money or not?

True, it's really none of my business, I'll give you that. But there are times when you hear something, some piece of advice, and take it to heart. It doesn't matter if a stranger said it or it was something you read in the newspaper while sitting in a bus station on the can. Sometimes that's exactly how people decide their path, change their ways, and reset their course, their trajectory. It's exactly those moments when you hear something -- perhaps said in jest, or perhaps sincere, like I am today -- that is the pivotal moment, with your whole future depending on what you decide. Today is one of those days, my friend ... this is your moment!

Let me restate the proposition: SAVE YOUR MONEY!

You have a job. You bring in an income. But perhaps you're not careful with your earnings. I know how it goes. I've been there. The little desires of life are always with us. I want this, I need this, I deserve this, the boss has been riding my ass, and in my frustration, I'm gonna splurge this week! Then it's every week. I've done the same thing, to my regret. You want to raise your self-image, so you splurge on something that, if your mind were clear, you'd know was a waste. And then the money's gone, down the drain. And your frustrations rear their head over and over, and your head's in your rear over and over, and after many years of heads and rears, your entire financial outlook is in arrears. Penniless, broke, with the hole in your pocket having nothing to keep itself busy with.

So that's my plea: SAVE YOUR MONEY! Yes, use what you need to have basic shelter, food, an entertainment center, insurance, and the other necessities. But for the rest, deny yourself and save your money. Because you don't know what life will bring you. If you're like me, eventually you'll be presented with old age and new challenges; the full story is, I'm not doing too badly. But I carefully consider what I'm going to need for the rest of the month and what I can save. It's not the most exciting existence, but I'm not in a gutter on Skid Row rolling in my own filth. Or anyone else's, thank you very much.

To save your money, you set aside what is extra beyond your actual needs, and put it in a savings account. Easy. Then you resist every temptation along the way. Always aware of spending traps, like candy and treats and other impulse items at the checkout counter. Lottery tickets, cigarettes, pickles, and chips. And don’t get me started on coffee! You'll have trouble with discipline and denying yourself, but the more you resist, and the more you save your money, the more you'll have someday when you need something important. Like a house, a car, or an unexpected bill. (I might post someday on why there should never be an unexpected bill.)

Wow! when I think of all the spending traps, it just makes me sick. And I'm sure there's lots of other spending traps I'm not thinking of today. I've avoided them so many times, they're more or less out of mind. But this past summer I had a friend here in the Big City, and I went with him many times to the convenience store. Mistake One! The guy had zero discipline, always buying smokes and pickles and whatnot. I really had my doubts that he'd make it in life -- he was in poverty anyway, picking up aluminum cans with me to get cigarette money. One day he disappeared, and I haven't heard a thing about him since. But I'm fairly sure he hasn't attained financial discipline; his trajectory was completely askew.

Help me out here, though, friend. Let me have some assurance that you're different, that you'll heed this heads-up. And save your money. You don't have to tell me directly, OK? If you just consider it strongly, fervently, and make your decision, and relay your thoughts mentally through the blog, I'm very tuned in to its frequency. The slightest thing anyone thinks about it, I instantly know. It's what the psychics call the sixth sense. And my sixth sense definitely touches on saving money! When people are saving money, it glows a radiant blue. But when they're not, it emits a sickening yellow, with traces of orange and chunks.

Be wise, my friend, someone I can count on to be saving your money. It'll do you good in the long run! A lot of good! And it'll make me happy to know that you are saving your money, and that you'll be OK as time goes by. Because as time goes by you'll be able to afford what you need.

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