Have you ever met people who torture themselves, not with whips or with ropes, but with a strange compulsion to monitor every peso that leaves their pockets? These people have a tendency to create their own accounting spreadsheets in MS Excel, and they scrutinize with painstaking detail how much they save, spend, and invest.
I have to admit that I’m one of these “spreadsheet masochists.” To be completely honest about it, I’m glad to be one since it provided me with a much needed reality check when I was close to losing control.
It all happened a few weeks ago when I reviewed the spreadsheet of the expenses that I incurred, so far, this year. Numbers don’t lie and it was increasingly obvious that my savings have been severely depleted. This is largely due to a personal decision that has provided me with much fulfillment as of late. You see, it has always been my goal to have my own place by the time I leave my twenties behind.
Sometime in June, I issued a check for the down payment of a two-bedroom apartment in Mandaluyong. For the remaining 80% balance, I applied for a housing loan with my bank. A week before my 30th birthday in August, my loan application was approved. I was informed that I could move into my new apartment whenever I want. As you can imagine, I was extremely happy and I still consider this as the highlight of my year.
During my first few weeks as a first-time apartment owner, I embarked on a shopping frenzy where I purchased furniture and appliances to fill up my new place. Back then I hardly noticed that my checking account hemorrhaged profusely and that my credit card was getting worn out from multiple transaction swipes. When you’re in a state of extended happiness, it just becomes too easy to ignore the extravagance.
I merely needed to think that “the place is mine” and “I deserve only but the best” to convince me to buy items that I normally wouldn’t even consider. For instance, instead of a heavy-duty hemp rug, I opted for a more luxurious wooly rug with zebra prints since, in my mind, it goes very well with the metallic grey roman shades in the living room.
Since I also felt like I have spent a fortune on laundromats throughout the years, I also decided to buy my own front-load washing machine. I could have taken a typical and cheaper top-load washer, but no; it’s just not “cool enough” for me. Also the laundry room of the apartment is nothing but an oversized closet with a door, so hanging clothes there to dry would not be an option. The solution? I bought a matching front-load dryer, too.
So now it’s not hard to imagine how I spent the equivalent of a year’s worth of my salary for the first ten months of the year alone. I have always been responsible with my finances so my recent actions are really out-of-character. It is one thing feeling fulfilled in your dream home, but it’s another thing to achieve that within a reasonable budget.
Once I realized that I have gone overboard, I abandoned some purchase plans that would have added further strain to my fast-depleting resources. One of these plans was to replace my still functioning Samsung LCD TV. The unit is barely 18 months old and yet, there are two annoying vertical lines on the screen. The LCD panels are obviously damaged and much to my chagrin, I can’t get a replacement since the warranty card only covers one year.
I attempted to have the LCD panels replaced by a technician from Samsung, but I was informed that the cost would amount to buying another brand new LCD TV. Anyone with a sound mind would never go for that so I told the technician to screw it. I have since imagined myself smashing the TV with a bat or tossing it out of the window. At least that would give me some satisfaction and a convenient excuse to buy a new one, right?
But then again, this is the first TV that I bought for myself so a sentimental feeling defeats my violent illusions. And now my credit woes give me more resolve to keep the busted LCD TV on the rack until it bonks out completely by itself.
Another item in my “to replace” list is an old Timex Ironman digital watch that I had for ages. Its Velcro wrist strap can now barely fasten itself, and when it does, I get an itchy sensation. I shudder when I think of the possible microscopic fungal matter lodged into the fabric. And please don’t ask me how the Velcro strap smells like. I think that the strap can now resuscitate groupies who pass out in rock concerts by flicking it a few centimeters from their noses.
Originally I intended to dispose of my Timex and buy a new one, but with my recent spending spree, it was more sensible to just replace the stinking wrist strap since the actual watch is still in fairly good condition. I then trooped to the nearest Timex outlet and inquired about spare Velcro wrist straps.
A saleslady from the Timex branch in SM Megamall informed me that since my watch is of a very old model, they need to check with their suppliers and warehouses if they still have stock of the proper Velcro strap for my watch. Ms. Timex Saleslady also advised me to give the store a call after a month to check on their progress. Waiting time can be anytime between one to six months, she told me, and even then, there’s really no guarantee that they can provide me with the product that I need.
It almost feels like the universe is punishing me for pulling off an Imelda when I chose the fancy zebra print rug over a more functional and affordable alternative. And because I refused to save 40% of my money on a conventional top load washer and dryer, the smelly velcro wrist strap of my watch will remain stinky until the people from Timex unearth the proper model from their warehouses. That is, if they will ever find one.
This experience has given me a whole new perspective about how to live within my means. It has also taught me to be resilient and not to let small obstacles like the stinky Velcro wrist strap of my watch break or defeat me. Even if it takes six months or even a year to get a replacement, then I shall wait. If it turns out there isn’t any stock left, then at least I tried. I could now face myself in front of the mirror and proclaim myself a better man.
***
And speaking of mirrors, there’s a huge (7ft x 5 ft) wood-framed mirror leaning on the wall over the dining area of my apartment. I read that mirrors give an illusion of space in small apartments, and so I bought it.
I can now see my reflection whenever I have meals in my apartment. Every bite, every chew, every crumb and every spill are like ghosts that haunt me.
Now seriously, when will hindsight be available in stores? It’s one purchase that I will probably never regret.




