Guilt

One of the decisions I made after being turned down for a car loan, a bank loan, and an apartment recently was that I would trudge on, using the credit I do have and paying on it every month to establish a trustworthy credit history. Maybe if my parents can pay on the car loans, credit cards, and tax obligations they have and establish a history of trust they might be able to co-sign for me sometime in the near future. I don't know when that will be, but I'll just have to keep on truckin' and try again to get out of this situation a few months down the road.

So, since I've been good paying on my accounts for some time and I had paid my Dell account way down, I agonized for a long time about buying a Wii with that account. It was only $149. I talked this over with my parents - how would it look to the rest of those people who live in the basement if I did this? Would they get jealous? Would they understand I didn't horde money and that I would actually be paying the same amount I pay on this account every month? Then I had to agonize over the fact that I don't have a TV. Will I risk bringing the Wii downstairs and having all of them want me to leave it down there so they can play it all night (or steal it)? What if they get angry when I refuse to leave it downstairs? Won't it be a pain to have to lug it up and down, plugging it in and unplugging it every time I want to play? What if I want to play when someone is watching TV? What about the fact that someone is always watching TV?

So my parents encouraged me to go ahead and add a TV to the order. I sweated this decision for days on end. How big of a TV? Where will I put it? How much will all of this cost? Do I want to add this much debt?

In the end, after long talks and groans where my parents told me to just do it already, I ordered a Wii and a TV. They are on the way. One minute after I placed the order my mother asked me if my sister would think that I had used the money she gave us to put down for a car to buy myself a TV. Of course, this just stressed me out, because my mother encouraged me to do it. I didn't use any of that money, anyway. It didn't get put down on a car, but part of it did go toward buying food for the extra four people who live in the basement with my sister, people who she pretends she shouldn't have to be responsible for. Oh, it also went toward putting gas in the car to take them places. I began to plan to use the money to fix up my current car so it could last a little longer - it needs an oil change, a new fender, a front end alignment, and a tune-up. Four hundred dollars isn't going to do all of that, but it could help so the car lasts us through the months until something can be done about getting another car.

She wasted $8700, remember? Tonight, my sister came upstairs to me and asked me to give her $40 out of the $400. She held out her hand and I told her I didn't have cash on me. She asked me where the $400 was. I told her it was in the bank and she freaked out. Why is it in the bank? I told her that's where most people put their money, because they don't want thousands of dollars laying around in a purse for anyone to steal (like happened with some of her money). She asked me if it was all there. I told her it wasn't, because I had to buy food on multiple occasions when the people in the basement ate all of the food in the middle of the night, making an entire box of spaghetti and an entire jar of sauce for just one person and then leaving it out on the stove so the leftovers spoiled by morning. I told her I used some of that money but that most of it was still there and I would just replace what I used on Friday when I got paid. She just angrily stomped out of my room.

So now I feel totally stressed and guilty. You know, I have enough money. When I was calculating the money I would need to get a small apartment and live on my own, I added in the amount I pay on my credit lines. And I had enough to get by - not enough to be splurging left and right, but enough to buy food if I budgeted and maybe a book or something nice here and there. I could have given her $40 out of the bank. She didn't even give me a chance to explain that. And so now I have to feel guilty about the packages that will either come tomorrow or the next day, because I'm worried that she will think I spent her money.

I SHOULDN'T BE WORRIED ABOUT THIS. I didn't do anything wrong. She revealed to us the other day that she bought my nephew a Playstation 3 and $300 worth of games for it. She is also sporting a whole new wardrobe. She gave my other nephew $1500 and who knows what he did with that? She's renting a tux for my nephew to go to prom in and she's planning to buy him these fancy tennis shoes that look like "dressy" tennis shoes because he's refusing to wear real dress shoes. One day she spent $75 between three fast food places. My father drove her to Wal-Mart (she has no license) and said that by the amount of bags she brought out with her he wages she spent about $500. The other day I came home and there were eight twelve-packs of name-brand pop sitting in the hallway and they took them all downstairs into the basement. My father said he took her to buy cigarettes one day and she came out with hundreds of dollars worth of cartons.

But that $400, it's not fair that we didn't use it for what she gave it to us for. Why isn't the $400 a month she pays enough to buy food? There are five people in the basement. That's less than $100 each for an entire month. Last month, on top of paying the phone/cable/internet bill, I also paid on the electric bill and paid the insurance for the car. That was $300 and I bought food, probably around $200 worth (I usually spend around $50 a week buying little things here and there when we run out, like milk, bread, eggs, ham, cheese, etc.). I also put the majority of the gas in the one car we have right now. And here I am, agonizing because I did something nice for myself, something that I'm not even spending extra money on right now (I understand the principle that in the end, I will be spending that money), that I didn't use any of her precious $400 for. Why do I feel guilty?

Because I'm the only one who will.