budget creep

BUDGET CREEP

We are all familiar with budget creep.  Every time you make more money, you add new items to your budget that then somehow become necessities rather than the luxuries they started out as.  Granted, this really hasn’t been a Thing for the last decade.  Between losing jobs to minorities, losing hours to ObamaCare, or losing homes to tripled property tax and now living out of a van by the river, there is rarely such as a thing as making MORE money anymore.  It is all about making less. 

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And that is where budget creep gets folks in trouble.  They cemented those new luxuries into necessities decades ago and can’t remember how to live without them.  One example that keeps coming to my mind was actually from my father.  My whole life I rarely saw him lose his cool.  He was stoic and uncomplaining.  You could go twenty years in between outbursts.  So it surprised the hell out of me when he lost his crap over the heater in the winter.  Stepmom was talking about turning down the heat, and he came up with something ridiculous about “I’m not going to sit around the living room in a down jacket.  You keep the temperature up and I don’t care how much it cost”.

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Remember, here was a guy that wouldn’t complain about wives raping him financially or old bosses blackballing him from an industry, and he wasn’t going to stay uncomfortable in his own house.  I didn’t blame him, what with still no pot to piss in after sixty years of working ( step mom keeps him alive to keep his retirement at 100%.  Once he kicks it, it goes to 50% to her.  I love the women, but she makes Jews look like college freshmen on spring break ).  The least he could have was a little heat to stay comfortable.  Plus, you know, Old People Cold is at 90 degrees.  Having said that, he was a bit spoiled.

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Growing up in southern California, then living in slightly less warm climes in an era of well affordable utilities, to him a house had to be shirtsleeve sitting comfortable.  That was a form of luxuries seen as necessities.  Don’t get me wrong, a man works for zero compensation his whole life ( other than the “pleasure” of seeing each new wife Less Miserable because he worked for their sole benefit.  I don’t know what it is about California women.  They have got to be the most miserable bitches on the planet ), he deserves one of the few luxuries he insists on.  It is just used illustratively. 

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You know how everything is all fun and games until someone loses an eye?  Well, budget creep is all fun and games during times of increased salary, isn’t it?  When the thing goes the other way, pandemonium reigns.  People go absolutely bat crap crazy, judging their very worth by their appearance of the ability to waste money on frivolous luxuries.  And they buy their own bullspit.  I’m tired, I deserve to go out and eat.  My mom got to not cook about twice a year on her birthday and Mother’s Day ( unless she was buying ).  But nowadays people eat out half of their food budget? 

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The NOL’s kid doesn’t work, but she has the new truck that has a payment I’ve never even seen on rent, and the husband has the paid-for beater.  And yet, HE was the one who insisted on that.  That truck with unaffordable payment is his validation of being a good provider.  Dude, your wife doesn’t miss any meals.  I think you provide just fine.  Not that you can tell people anything like this.  Necessities, or at least as necessary to them, are doubling in price and wages are stagnant, but wages still got up to nosebleed levels ( from my perspective ) and folks just kept buying all those luxuries turned necessities. 

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When did medical insurance become a necessity?  We all remember a time when only the upper middle class had a job that provided medical benefits.  The rest of the folks passed on it since it was 20% of your pay.  Now that it is double that, suddenly folks think it is necessary?  And that was BEFORE ObammyCare.  The Illegal Muslim just forced people into the system as it was set to implode from over pricing, yet folks had begun to think of it as vital and as fundamental as oxygen prior to that.  I mean, sure, I understand all the Boomers were retiring and the culture change was from the Most Selfish Generation thinking that any lifespan under ninety was an affront to God, but I still can’t accept that mass hallucination.

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Once you are crapping yourself and taking twenty-three pills a day to keep yourself alive, isn’t it time to perhaps think of calling BS on living way past your prime, in pain and embarrassment?  Laughs on you bitches, ‘cause Death Panels really are a thing ( you Go!, Hockey Mom ).  You’ll go gently into that opiate clouded night unless you have someone that can keep you out of the clutches of the medical industry.  I guess I should stop there on THAT subject.

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Whenever I bring up not owning a car, 99% of you look at me like I’ve started to grow a dingus out of my forehead.  Yes, I understand one day I’ll get hit by some little bastard just like you that worships the automobile, and then you all can have the last laugh, but until then not hallucinating that a car is a necessity allows me to live on nearly no income.  While still prepping.  Sure, very small amounts of prepping, along with very few book purchases, but I was also running out of room for both anyway ( and that is with three RV’s for storage, plus a basement ).  Less money means I can finally enjoy my life and my time rather than parcel it out to a corporation. 

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Negative Budget Creep is actually not as difficult as most people believe.  And, heck, it is actually fun because it is antisocial.  Men envy you your freedom and women want to have your baby ( you need to be a starving artist for this to apply-poverty only works as an aphrodisiac when coupled to an alpha male creative.  Then the gals don’t need you as the provider because he is one she is cuckolding on for you ).   If you don’t have at least a quarter of your monthly pay as savings, you are doing things wrong.  And to get there, you are relying on positive feedback.  Budget creep upwards is easy because you never deviate away from All Money In, All Money Out.  And yet, budget creep down is just as easy because everything you eliminate as a bill is money in your pocket.  You just think it is hard because you refuse to acknowledge necessities as luxuries.

( .Y. )

( today's related link https://amzn.to/2QntMyc )

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note: This is a free book, but not my usual daily picks.  I love this series and the author notified me the first book is free for several days. "Traveler" by John S Wilson  https://amzn.to/2MBCZj8
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note: bicycle tips.  Can't afford a new wheel when spokes start snapping?  True the wheel ( video here ) and you'll avoid more spokes breaking.  Want to cheaply patch a tube, with no fuss?  Superglue and a piece of paper ( video here )
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