eyes on the road, another perspective
There’s something about the day before the day I get paid.
Yes, there is a little Pavlovian salivation I get everytime I see Payday (with a capital P) coming. I’m excited because it means I get to slam my debt, once again. I take lots of pleasure from the idea of sending in big chunks of money to free me from under the psychological weight of still having my old credit card debt. I also get to pay bills, which is awesome, because with online bill pay, I can take care of them all in less than a minute and then forget about them for the rest of the month. I love feeling so responsible and proactive.
Payday-eve (don’t knock my use of poetic license) also brings feelings of relief. First of all, if I can get through the day without spending any money, then whatever I have in my checking account now gets added to Payday’s pay. Secondly, help is on the way! If I’m feeling crunched (and I usually am because I’ve sent most of my money to my creditors and the allowance I’ve left over for myself is on its last leg) then it’s a relief to know my allowance will be replenished on Payday. On Payday-eve, I can get a good sense of what my balance will be after Payday, and start making plans for the money, so that when Payday actually comes, I can go on auto-pilot just by referring to my plan. Just knowing what will happen next and having a spending plan is so awesome. Barring any emergencies, as long as I anticipate expenses well, I can avoid moments of crisis or paralyzing indecision between Paydays - another way I keep stress down. I don’t want money to be stressful for myself. I’ve been there, and I don’t want to go back.
