I got nothing. Today is my assigned blogging day for the week. I’ve known it was coming. I’ve had other stuff to do, but the blog has been in the back of my mind. Usually I have at least an idea of what I’m going to write about. But today I’m blank. Empty. I’ve even put everything off to the side to solely focus on my blog; I’ve really given it some thought. And yet here I sit, writing to you about how I don’t have anything to write about.
So, I guess…..let’s pull the old Jerry Seinfeld and do a blog about nothing and maybe talk about money while we do it. Ready? Here we go.
I suppose the lack of anything to say about money is really somewhat comparable to life. Sure, we have days where we are super motivated about money. We have some goal that we are totally stoked about accomplishing. Or maybe we just have a wild hair to get all of our financial ducks in a row – just because.
And then there are those days that we don’t have any of that. We get up, go to work, go home, eat supper, and go to bed. That’s it. That’s all there is some days. And there are days like that with money, too.
I’m not focused on any goal. I don’t have some benchmark to reach with my finances. I’m not even really thinking about money. Quite frankly, I just don’t really care. I’m going to go through the grind, survive the day, and then get up and do it all again tomorrow.
Even the weather matches my mood. It’s a cool but not cold, cloudy but not stormy, damp but not raining, breezy but not windy kind of day. It’s just ‘blah’.
Yup, welcome to the real life of adulting.
Unfortunately, without any focus or even intentional thought, that’s when we tend to make less wise decisions. Nothing going on. Don’t really feel like doing anything. Don’t really even want to make something for supper. So, let’s just go grab something and do even less than we feel like we’ve already done.
Oh, but wait. At least for my family, that’s a quick $30 or more out the door. But who cares? I’m not paying any attention to anything anyway.
Then, for lack of something (anything) else to do, I’ll grab an electronic device and start aimlessly wandering the interwebs. I’ll check out my social media, then maybe a discussion forum or two that I’m a part of. In my halfhearted skimming of someone else’s photography (I’m a hobby photographer), I find an interesting shot (as interesting as it gets today) with a unique object. Hmm, I bet I could do something interesting with one of those. Not sure what because that’s where I’m at today. But another day I could do something. I wonder what one of those costs. So off I go to Amazon and sure enough, there are 5 different sellers each with a slightly different version of said object. I’m not exactly sure what the difference is, but after a half hour of flipping between browser windows, I know which one would best suit the idea I’ll come up with tomorrow. Click, click, spend.
Finally the kids are in bed. I’m commiserating over a rather unfulfilling day, and decide I should fill that hole inside of me with some ice cream. That, and I’ll get some for my wife and earn brownie points. So off I go for a late-night ice cream run. Boom, another $7-$8 out of the wallet. At least it will be something sweet in my day.
And so, by the time I’ve finally fallen asleep, bringing an end to my day of nothing, I’ve spent a notable amount of money that I probably didn’t need to spend.
I get it. None of these are necessarily large expenses on their own. No more than $30-$40 each. But when you start adding that up, I could have easily spent $100 extra today. Do that each of the 5 nights this week, and I’ll have spent a couple grand by the end of the month.
The issue isn’t each little expense. The issue is the pattern of little expenses that builds up and magnifies any financial issues. It’s the series of those little ‘nothings’ that happen when we aren’t really looking or even caring.
You’ve heard the old riddle. “How do you eat an elephant? One bite at a time.”
How do you rack up a bunch of debt? One little expense at a time.
I suppose I could keep pontificating on this more. But then that would kind of ruin the whole idea of a blog about nothing.
I don’t even really have a great, catchy tagline to end this blog with. Sorry, but like I said, that’s all I got.
So if you find yourself in a bit of a nothingness rut where the debts have crept up on you and you aren’t even really sure where they came from, I’ll recommend you schedule an appointment with one of the counselors at the Center for Financial Resources. They can help you figure out where all of that money has been leaking out. They can also help you figure out some action steps to get you out of the funk of daily life. All you have to do is call 605-330-2700 or go online to schedule an appointment.
Speaking of, I think I’ll go wander the halls and see if they’ve got something to give me a bit of something today. I’m out.
written by Breck Miller
images courtesy freedigitalphotos.net