Don’t Let Your Spending Control You

Sat, Aug 20, 2011

budget, debt, spending

Last night my son wanted ice cream after dinner. So, being the super cool (AKA ice cream loving) mom that I am, we jumped in my car and headed to DQ. (Note: the Nutter Butter Blizzard is NOT as amazing as I expected.) Anyway, we were waiting in the drive thru line and something - maybe the weather, maybe my mood - reminded me of a moment from the past. It was kind of unsettling, actually, like I was having one of those TV flashbacks.

Begin Flashback

It was the summer of 2007. My (then) husband S, 9 year-old Jayden (awww, so long ago!), and I were leaving the county fair and Jay asked for ice cream. So we went to McDonald’s, ordered food for us and a McFlurry for him, and drove around to the window. S gave the girl his debit card and we watched her swipe it, wait, then swipe it again. We looked at each other and knew that we didn’t have $14 in the bank to pay for our food.

We pulled out of the drive thru, S fuming, and went to the bank. He withdrew $10, leaving a balance of $1.13 or so in our checking account. I decided I would eat something at home to allow the two of them to get their food. We made the Drive of Shame back to McDonald’s, where the drive thru girl looked at us like we were pond scum. When we left the parking lot, the argument started.

“Exactly how much did you spend yesterday?”

“All I bought was gas! Did your gym fees come out of the bank today?”

“I don’t know, but you should keep up with the money better!”

“Well maybe you should help out every now and then!”

On it went until we pulled in the driveway at home. Jay ate his ice cream, then went to his room and returned with his piggy bank. He plunked it down on the table so hard we both stopped yelling and turned to face him.

“Take my money, Mom. Then you guys won’t have to fight anymore,” he said, and walked back to his room.

I have never wanted the earth to open up and swallow me as much as I did in that moment. I’d like to say that I woke up then, realizing all my mistakes and turning my life around in a Lifetime-worthy transformation. But you guys know that’s not what happened, so I’ll leave the fantasies for my not-so-promising future in fiction writing. To this day, though, that night is one of my most horrible parenting memories.

Back to Last Night

So I snapped back out of my trip down memory lane in time to pay for our ice cream. FYI, my debit card was accepted with no problems. I didn’t even briefly wonder if I had money in the bank because I don’t have to do that anymore. The only argument on the way home was over which song we should listen to (Jay wanted Fallout Boy’s “Thnks fr th Mmrs” and I wanted the DJ Earworm smush “Funky Goes to Hollywood.”) And I realized how much my life has changed and how many things I take for granted.

Being able to buy a fast food meal is a tiny thing. Miniscule. But for many years of my life, I held my breath every single time I did it. Much like my former coworker, Georgia, I know what it’s like to put things back at the grocery store because the total is more than I had in the bank. I have also thrown a fit when my card was declined, insisting my bank screwed up my balance, even when I knew darn well I didn’t have the money. I was a financial disaster.

One of the signs of addiction is making efforts to control your use of the addictive substance. Except I wasn’t controlling my spending - it was totally controlling me. Everything I did depended on how much money I hadn’t spent yet - and while that’s still true to an extent, it’s not the same as it was before.

Before, if I wanted something, I swiped my card and bought it. Later I would worry about how to afford the things I needed, like food and utilities. If necessary, I would “borrow” the money from my parents to make it through until the next payday. Sometimes I couldn’t buy my son a Blizzard but I could afford a vanilla cone.

These days, I pay for the things I need first. Then if I want something, I save the money separately from the money I spend from day to day until I have enough to pay for it. As a result, I know how much money I have and I don’t waste time worrying about what I can afford. If Jay wants a Blizzard, he gets a Blizzard - not every day, but a few times a month. And I do this after getting divorced and losing my ex-husband’s income.

Take Control

If you’ve never been where I was, good for you! But if you have, or if you’re there right now, aren’t you tired of it? All the hoping and crossing fingers and (possibly) having to explain to your child why s/he can’t have a Happy Meal or a coloring book? I’m over it. If you are too, the only way to stop it is to TAKE CONTROL of your spending.

You need to know where your money goes. You need to check your bank balance regularly, even when it scares you. You need a realistic idea of how much money it takes to keep you afloat. Create a budget for crying out loud. Do whatever it takes so that you aren’t consumed by worrying about and fighting over money! Believe me, I know it’s not easy, especially if you aren’t used to it. But it’s the only way to make things different.

Stop dreaming of winning the lottery. Stop saying, “If we just had more income we’d be fine!” Accept your role, whatever it may be, in creating financial mayhem in your life and take steps TODAY to fix it. If you don’t know where to start, ask for help! Hell, ask ME for help if you don’t have anyone else! Just. Do. It. Now.

The memory that popped into my head last night is one of many I don’t want. I hate remembering how dumb I was and wondering if my son is going to grow up with messed-up ideas about relationships and money. I can’t take back what happened. But I can spend my time making enough positive memories to outweigh the negatives. And now that my money is under control, I have a lot more time to spare.

Is your spending under control, or is it controlling you? What steps have you taken or do you need to take to get things back on track? I’d love to hear your story!

17 Responses to “Don’t Let Your Spending Control You”

  1. Jolyn Myers says:

    This is just an awesome, real, raw post. Thankfully I have never had to be in the position of wondering if my debit card would be accepted. But then, I'm a lot older than you and when debit cards came around I had already made a lot of the money mistakes / relationship mistakes that you referred to. I also worked for the bank where our accounts were held, early in our marriage, and watched our balances and tranx like a hawk. I know God gave me that job for a reason, because I hated it for every other. Are you familiar with Dave Ramsey? He has financial programs/dvd courses for kids and teens and I am planning on doing one of those with my (almost) 16yo soon: Foundations in Personal Finance. I do *not* want me to be his only reference for financial knowledge before he leaves our home! Oh, if I knew then what I know now…

  2. Alltid Blakk says:

    haha oh yeah, almost been there. Not fun at all. Yesterday my x told me he had to take up a new loan to buy a heater. and he took up extra so he could buy clothes for the kids that isn't needed, bags for the kids that isn't needed, and to pay his share of my youngest riding classes. He makes the double amount of me, and he still doesn't have enough money. It's by listening to him I realize I do actually make progress, even if it doesn't feel like it. No more hold breath and check the bank, no more check the sofa for dimes. No more

  3. Alltid Blakk says:

    haha oh yeah, almost been there. Not fun at all. Yesterday my x told me he had to take up a new loan to buy a heater. and he took up extra so he could buy clothes for the kids that isn’t needed, bags for the kids that isn’t needed, and to pay his share of my youngest riding classes. He makes the double amount of me, and he still doesn’t have enough money. It’s by listening to him I realize I do actually make progress, even if it doesn’t feel like it. No more hold breath and check the bank, no more check the sofa for dimes. No more

  4. Anonymous says:

    I could have written every word in this post, minus the DQ. I regularly can't afford even an ice cream cone at McDs. I'm constantly telling my children "no." My 5yr old regularly offers me his money. Little does he know that his bank actually contains an IOU from me! I hate it. I HATE it with a passion! I want nothing more than to have this under control.

    Addiction is the perfect description for living this way. I use to be addicted to instant gratification. Not anymore! I'm now addicted to the feeling of saving for something and then being able to buy it! (or I will be once I have enough cash flow to actually save for the fun stuff.)

  5. The Financialite says:

    I agree with Jolyn as well - this is an awesome post, really well done and honest!  I find that a lot of PF blogs are boring and factual, but the real people that I feel that I can connect with are honest about where they find themselves struggling with their money.  I feel like everyone has been in that situation where your card gets declined and its an awkward moment, but it can be real eye opening in the same sense!

  6. Mutant Supermodel says:

    I can imagine perfectly well what you must've felt like when Jay did that. Wow. Feels good to get to a better place huh? And on your own!

  7. Andrea says:

    And I'm so happy that you're here, through all the crap stuff… you did it! =)

  8. Red says:

    Andrea, at the risk of coming off as a fanboy, I am absolutely in awe of your writing style. This post was, as Jolyn said, so raw and personal. I've been the person who calls to check her credit card balance before charging a meal before, and it was never a good place to be. Of course, I didn't take my situation seriously until it was disastrous, months behind on bills, unable to make minimum payments on credit cards, etc. I'm so glad I found the PF blogging community when I did.

  9. Buck Inspire says:

    Awesome post.  Sorry you had to remember that bad memory.  Looks like you are in a way better place anyway.  You have a knack for capturing the raw emotions you were going through.  Way to inspire and make something positive out of a negative!


  1. Acute Baby And Links | Minting Nickels - August 28, 2011

    [...] Andrea at So Over Debt shares a deeply personal story from her past in Don’t Let Your Spending Control You. [...]

  2. Para Ma - April 14, 2012

    Cool sites…

    [...]we came across a cool site that you might enjoy. Take a look if you want[...]……

  3. how to build a website - April 19, 2012

    … [Trackback]…

    [...] Read More: sooverdebt.com/dont-let-your-spending-control-you/ [...]…

  4. window cleaners se5 - April 20, 2012

    Looking around…

    While I was surfing today I noticed a great article concerning…

  5. List Building Tools - April 20, 2012

    Websites worth visiting…

    [...]here are some links to sites that we link to because we think they are worth visiting[...]……

  6. internet bureau - April 20, 2012

    Awesome website…

    [...]the time to read or visit the content or sites we have linked to below the[...]……

Leave a Reply

Let’s Connect!

Subscribe to new posts via email:

As Seen On

June 2012 Income




Restaurant Points: June


(points remaining)

Need Blogging Help?


Proud Member of the Yakezie Network
The Best Giveaways On The interwebs!


I pledge to be debt free!



  • 2012 (120)
  • 2011 (211)
Creative Commons License
So Over Debt is licensed under a Creative Commons Attribution NonCommercial NoDerivs 3.0 Unported License.
Permissions beyond the scope of this license may be available at http://www.sooverdebt.com/contact/.
My blog has recently been added to Personal Finance Blogs, which is part of one of the largest networks of blog directories on the Web. Please visit my blog's personal page to vote for my blog and comment to other blog users.