More thoughts on money - and being actually skint!
Mr Micawber said, 'Annual income twenty pounds, annual expenditure nineteen pounds, nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery.'
Which is all you need to know, and to abide by.
Money can be such a misery we try to pretend that it's other things - credit cards, stocks and shares, the ever-so-pretty sounding hedge fund.
And money-misery is universal, even for the fabulously wealthy. As I remember the story, in the late fifties Maria Callas sang on Granada at Eight wearing half a million dollars of her own diamonds. During the live TV broadcast, a brooch fell from her stole. In time with the music and chiming with the drama, she retrieved the brooch and refastened it. Afterwards, she waited anxiously to meet the TV company's chief executive, Sidney Bernstein.
Apart from a brief and not particularly serious episode of debt from overbuying opera CDs, I've kept myself cheap to run. Renting what estate-agents would call post-bijoux bedsits, taking taxis only when the walk to and/or from a gig would exceed two hours, ever comforted by my favourite line of poetry: 'Buy one, Get one Free' with its answering line: 'Reduced for quick sale'. I buy all my fruit and veg from the market late Saturday afternoons, when the stallholders are packing up and will sell stuff off cheap. Entering a supermarket I make straight for the Reduced for Quick Sale bin; and then will go up and down the shelves squinting to make the orange special offer stickers sing out to me. As Rosa, on the delicatessen counter at the nearest unfeasibly large Tescos commented,
'Up and down the aisles like a demented hamster.'
'Oh, thank God, you're here!' she greeted him, laying on a taloned hand.
He blanched. 'My dear Madame Callas, why? Were we remiss? Was something not quite to your liking? Did somebody offend you?'
She clucked over him. 'No, dear. I just must please have a discount on a colour television.'
He blanched. 'My dear Madame Callas, why? Were we remiss? Was something not quite to your liking? Did somebody offend you?'
She clucked over him. 'No, dear. I just must please have a discount on a colour television.'
'Up and down the aisles like a demented hamster.'
And abiding by my other rules: https://iestynedwards.blogspot.com/2016/02/how-tobudget.html
Stacks, my ex-Royal Marine mate, says I summed up once and for all my approach to finances when he and I arranged to meet in London.
'Up your way,' he said, 'I know the Koko Abandon All Hope Club, the bondage tattoo parlour and this performance space up near Primrose Hill. That's where we saw the girl in the basque that looked like it had been made out of laminated cabbage, fastened down the front with rusty nappy pins. And her act was her singing and pressing the keys on a Speak-and-Spell that had been rewired to sound-byte about her uncle abusing her.'
Primrose Hill indeed. I told him my landmarks were the Kentish Town Sue Ryder, the library and the church with the free Friday concerts.
We compromised and met at Subway in Euston.
True, there was almost a whole year of the wolf not being kept from the door. It had moved in with me, and liked to sit proprietarily in my Poang Chair, quoting Keats on "the tick of the deathwatch beetle", and flapping the Farrow and Barrow colour chart in my face, saying it was thinking Geometric Vermicelli to replace my nineteen fifties Lemon Mivvy.
In shame, for just shy of a year I claimed one hundred and twenty pounds housing benefit per month to make up a shortfall from one hundred and forty pounds. In the Anything more you want to tell us? box on the claim form I wrote that I fully intended to return the payments when I was back on my feet.
After two months came a letter from the Coastal Council Benefits Fraud office.
Dear Ms [sic] Edwards,
We have been passed your claim for housing benefit received, and in receipt and pending furnishment, and feel that we really must delve into your appearance of to be able to be existent on the mean figure of an averagely figured amount of £42-£45 per single weekly, pertinent to your pro-rata aggregated profit and loss accounts as was mentioned in your aforementioned ongoing claim, furnished for the claimage of housing benefit received, and in receipt and pending furnishment, subsequent to your signed and binding oath. We require that you instigate telephoneric communicado with us at your asapitudedinarian convenient, and certainly not tardinarier than within two days of your reception of this present-day epistleoid.
They sent Barry round to my tiny south-facing, one-up, one-down, approached via a line of carpet samples through a garage rented out to the pub opposite.
Barry had the the pro-forma gelled quiff, adenoids, and sticking out of his quilted corduroy jacket was a label that I suspected might read: Do not iron. It's simply not worth it. This garment is beyond help.
'Interesting pad,' he said.
'Is it? Oh.' Each to his own. 'It was once the lock-up of the now defunct police station. The letting agent admitted it was 'compact'. But said it 'benefited' from spectacular sea views.'
Barry shifted around to look through the two windows, then pointed upward and seawards. 'And does it?'
'Oh, yes, spectacular sea views - if you go out through the garage, across the road, all the way down the alley, and look. At the sea.'
Barry write on a clipboard decoupaged with an FHM centre-spread.
'So this is your kitchenette,' he said.
'Kitchenette, cum dining room, cum office,' I corrected.
'That's rather an expensive looking cushion on the stairs.'
'Borrowed as I knew I would be having visitors. It's the sitting-room.'
He took an inventory of the kitchen. I opened the cupboard with the Value baked beans displayed from weevil nest to weevil nest. I didn't draw attention, I just opened.
'Baby Belling,' said Barry. .
'Hardly that,' I said. 'Only one of the two rings works and the oven doesn't. More of a gleam in its father's eye.'
'And what's that opposite the back door?'
'Septic tank.'
He nodded. 'Washing facilities?'
'No, I prefer to shower.'
He was muttering. 'NCS...'
'NCS?'
'No Cash Stashed.' He became leeringly confidential. 'Look, it's obvious you're not playing the system. Just one thing I would say to you - you're registered for self-employment as a classical baritone, yet - this item in your self-assessment accounts loss column - Timer Plug from MCT Electrical Aldeburgh High Street. Care to shed any light?'
'Yes. I also earn money house-sitting for Lady Cave.'
Stacks, my ex-Royal Marine mate, says I summed up once and for all my approach to finances when he and I arranged to meet in London.
'Up your way,' he said, 'I know the Koko Abandon All Hope Club, the bondage tattoo parlour and this performance space up near Primrose Hill. That's where we saw the girl in the basque that looked like it had been made out of laminated cabbage, fastened down the front with rusty nappy pins. And her act was her singing and pressing the keys on a Speak-and-Spell that had been rewired to sound-byte about her uncle abusing her.'
Primrose Hill indeed. I told him my landmarks were the Kentish Town Sue Ryder, the library and the church with the free Friday concerts.
We compromised and met at Subway in Euston.
True, there was almost a whole year of the wolf not being kept from the door. It had moved in with me, and liked to sit proprietarily in my Poang Chair, quoting Keats on "the tick of the deathwatch beetle", and flapping the Farrow and Barrow colour chart in my face, saying it was thinking Geometric Vermicelli to replace my nineteen fifties Lemon Mivvy.
In shame, for just shy of a year I claimed one hundred and twenty pounds housing benefit per month to make up a shortfall from one hundred and forty pounds. In the Anything more you want to tell us? box on the claim form I wrote that I fully intended to return the payments when I was back on my feet.
After two months came a letter from the Coastal Council Benefits Fraud office.
Dear Ms [sic] Edwards,
We have been passed your claim for housing benefit received, and in receipt and pending furnishment, and feel that we really must delve into your appearance of to be able to be existent on the mean figure of an averagely figured amount of £42-£45 per single weekly, pertinent to your pro-rata aggregated profit and loss accounts as was mentioned in your aforementioned ongoing claim, furnished for the claimage of housing benefit received, and in receipt and pending furnishment, subsequent to your signed and binding oath. We require that you instigate telephoneric communicado with us at your asapitudedinarian convenient, and certainly not tardinarier than within two days of your reception of this present-day epistleoid.
They sent Barry round to my tiny south-facing, one-up, one-down, approached via a line of carpet samples through a garage rented out to the pub opposite.
Barry had the the pro-forma gelled quiff, adenoids, and sticking out of his quilted corduroy jacket was a label that I suspected might read: Do not iron. It's simply not worth it. This garment is beyond help.
'Interesting pad,' he said.
'Is it? Oh.' Each to his own. 'It was once the lock-up of the now defunct police station. The letting agent admitted it was 'compact'. But said it 'benefited' from spectacular sea views.'
Barry shifted around to look through the two windows, then pointed upward and seawards. 'And does it?'
'Oh, yes, spectacular sea views - if you go out through the garage, across the road, all the way down the alley, and look. At the sea.'
Barry write on a clipboard decoupaged with an FHM centre-spread.
'So this is your kitchenette,' he said.
'Kitchenette, cum dining room, cum office,' I corrected.
'That's rather an expensive looking cushion on the stairs.'
'Borrowed as I knew I would be having visitors. It's the sitting-room.'
He took an inventory of the kitchen. I opened the cupboard with the Value baked beans displayed from weevil nest to weevil nest. I didn't draw attention, I just opened.
'Baby Belling,' said Barry. .
'Hardly that,' I said. 'Only one of the two rings works and the oven doesn't. More of a gleam in its father's eye.'
'And what's that opposite the back door?'
'Septic tank.'
He nodded. 'Washing facilities?'
'No, I prefer to shower.'
He was muttering. 'NCS...'
'NCS?'
'No Cash Stashed.' He became leeringly confidential. 'Look, it's obvious you're not playing the system. Just one thing I would say to you - you're registered for self-employment as a classical baritone, yet - this item in your self-assessment accounts loss column - Timer Plug from MCT Electrical Aldeburgh High Street. Care to shed any light?'
'Yes. I also earn money house-sitting for Lady Cave.'
And Lady Cave had a ghastly gardener. Jean.
Lady Cave emailed me after the first time I house-sat to remind me that I was meant to have been getting up at seven each day to feed the dog, Oscar, and had ticked off having done so in the Oscar Done-Tos journal. Yet she happened to know that at least one morning I hadn't got up until quite a quarter to nine.
And how did she know that?
Jean the ghastly gardener.
And how do I know that?
Because coming back from a walk with Oscar one morning there was Jean in the kitchen molesting the electric kettle.
And she said, "Ooooarrgghh, you've caught me red-handed. I always know what time you've got up of a morning from the heat of the kettle when I put my hands to it. I'd say it was about a quarter to nine this morning, and not seven as you're meant to. Ooooaarrrrrgggghhh, you'll never get one over on your aunty Jean!"
Except I did - I bought the timer plug under discussion and fitted the kettle to it.
'Then, Barry, it boiled at seven each morning come high-water or hell-hag!'
Barry was looking as though he had just then died and been stuffed. 'That's actually our point. The other lines of work. Here's an Inland Revenue pamphlet that may clarify and avoid them having to come and look into you.'
Which sounded positively gynaecological.
Though it wouldn't have been the first time.
And hopefully, not the last.
Barry was looking as though he had just then died and been stuffed. 'That's actually our point. The other lines of work. Here's an Inland Revenue pamphlet that may clarify and avoid them having to come and look into you.'
Which sounded positively gynaecological.
Though it wouldn't have been the first time.
And hopefully, not the last.
#budgeting #money #moneyworries #debt #finance #financial
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