Fiscal Responsibility


All my life I have been sensible with money.  I’ve had to be.  Some of the early life and study choices that I made meant that I had to live at times on a very meagre salary.  With frugal living patterns, I managed to buy my first house at 22, and that of course meant that my income was even more tightly controlled.  There was little or no disposable income and so the overseas holidays, concerts and discretionary expenditure that my friends indulged in were beyond my means.  Getting a private pilot’s licence also gobbled up a lot of money in my early twenties.

It’s taken a long time, but finally I have a reasonable salary.  My son is semi-independent and and I can see my life taking new directions.  I have been making plans for all the travel that I would like to do now.  Just as this happens though, my company hits a rocky period and we know that there are redundancies coming up.  We just don’t know who.  Should I be one of those who draws the short straw, I will be in a precarious situation.  At my age and in the current abysmal employment market, my chances of getting a comparable job again are slim.  Even prospects of any job are slim.  Sadly, I don’t have the financial resources with which to take an early retirement.  Interesting times ahead.

The challenge for me now is maintaining an enforced frugality in the face of uncertainly.  On the one hand, it is not difficult in that I have the skills developed over a lifetime.   On the other, I really want to lash out on the bucket list.  I would love to commission myself a new nose, I lust after a pink Argyle diamond and most of all I want to travel.  I would like to do a Motor home trip around Tasmania, and then to do the same for New Zealand.  That is for starters.  I would also of course like the luxury of the time to write – being able to finance my literary aspirations.  At the moment, I don’t dare do any of it as I have no idea how long my resources may have to last.  If I lose my job, I may have the time to write but I will probably be too busy scrabbling for employment to be able to relax into it.

After an initial panic, I will repeat my mantra to myself.  The sun will come up tomorrow; I will have food to eat, clothes to wear and somewhere to live.  Anything else is a bonus.  I have lived through tough times before and no doubt will again.  It would be nice sometimes though if there were not so many potholes on the journey through life.  Oh, and sometimes I am not so good on the frugality.  Today I took delivery of my Canon 650D SLR Camera.  I am so looking forward to learning how to use it and of course intend to use it to illustrate some of my writings.  It looks to be a brilliant camera.

Advertisements

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s