Bankruptcy or Bust! Difficult Conversations
I’ve been putting off having a “serious” conversation to T about how tight sh*& is. There is just $7 separating me from impending financial doom each week. That’s not even a large McValue Meal! (it’s called a McValue meal I assume because it’s relatively inexpensive). It’s not that I haven’t been saying anything I have but have been dismissed as some sort of financial worry wart. (Now I know what all those climate change scientists feel like. The being dismissed as some sort of fiscal crack pot didn’t exactly make me jump at the chance to have said conversation. I think you could say this is safely in the NOT GOOD category.
The fact that, all that stands in the way of me and ruin is the cost of some deep fried potatoes, high fructose corn syrup and a Big Mac (maybe a soft serve cone if it’s a special) has not exactly been good for my stress levels. So I’ve been reflecting on what to do. I brushed up on my “guide to getting to yes” and realized that I hadn’t really been conveying the cold start facts, so it’s probably easy to dismiss me as some kind of financial doomsayer.
The “guide to getting to yes” talks about “principled negotiation”, basically if you know what the facts are (what it’s worth, what you can afford to spend of clothes, what we can afford to spend on take away) then you know where to dig your feet in, it’s easy to say “no we can’t afford to eat out” because you know if you don’t you lose your house. It’s not you believe this, I believe that. I have to say it’s an approach I like. I sent through the budget I’d been working on and I got told there wasn’t enough money for hair care. All I had to say was “that’s ok you just find the money somewhere else.” “I wasn’t being an a$%hole.” I was just telling the truth.
It’s not done, not buy a long shot.
But it did get me thinking about difficult money conversations. Any of you had them? Any of you have advice?
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