Sunday, August 2, 2009

The Definition of Disposable Income

I am going to keep this one brief. (Well I am going to try) This is one I have to get off my chest. After I post this blog I am going to try my hardest not to bring this up again. So an associate's car gets towed in front of my apartment. (I will leave this person nameless because this was trifling) I felt bad that she got her car towed in front of my apartment. So after it gets towed she goes on and on about how she doesn’t have any money. I am thinking to myself "Didn't we just get paid yesterday". So anyway, since she is throwing a fit about how she has no money for the week we split the tow fee 3 ways. (Her, her friend and I) The total came to $41.00 each. I felt bad so I figured the least I could do was help her out if she didn't have the money for the fee. But before lending the money did I tell her that I needed it back as soon as possible. I lent the money even though another person had just burned me. (Another person I lent money decided to pay me back with a check and closed the account out of spite. You can probably imagine my checking account after that childish, vindictive act, but that is an entire different blog) so I drive her to pick up her car from the tow yard. I thought everything would be ok afterwards. I mean it was only $40.00 so she shouldn’t have a problem giving me back the money. (I should have known better)

The next day she comes over and tells me how she got her feet done after she picked up her car! I was furious. I mean how can a person take your bread and butter than turn around and get their feet done? Look here, not only did she get her feet done but turns around and tells me about it. (Somebody please explain this type of thought process) What a lack of respect! What a lack of common sense! I mean the nerve of people. So I proceeded in asking her, “Why in the world did you get your feet done if you are crying broke?” She looks at me dumbfounded and responds by saying Girl I needed that. I just believe at times no matter how tight money is I need to treat myself" NEED-NEED. I guess some people definitions of need are pretty twisted. And as far as treating herself that is fine but as long as she don’t do it with other people’s money. (But I guess it was my fault for even letting her have a dime of my money) So I muster up the patience not to go off. (But wait it gets better) I just sat and held my peace figuring she would pay me next pay period. So out the kindness of my heart I wait and when I finally And when I have to ask about my money (when I shouldn't have to ask, she should be responsible enough just to pay me back) a whole month later (2 pay periods) She has the nerve to get upset and say "UMMM I am going to have to get back with you on that. I don't have any disposable income" WHAT!!!!! Disposable income. That is not disposable. It is owed to me. What nerve. I mean I cannot believe how people act. This person needs to look up the meaning of disposable income and repeat it in their mind every time they go to get their feet done. I don't want to hear about this person being broke any more. Later for all that negative talk. You want to holler about being broke but insist on getting your hair and feet done by others. Those are luxury services that can be held off when money is tight. It is called prioritizing.

This person really thinks its ok to borrow money from other people and spend uxoriously. Can you say "TRIFELING" This person totally disregards the fact that others have bills too? It is not my problem that they don't know how to handle their finances. It is not my problem that they are bad with money. Some people need to wake up and smell the coffee. It's time out for blaming others for your own problems. Time out for getting angry with others for your problems. This is the real world. Nothing is free. I mean I can chuck it up as another lesson learned. Not very expensive but disappointing.

To sum it all up I guess I learned the hard way. I should never lend money to a person that is always crying broke. I am sure I will not doing it again because no longer will I hang around people that speak that negativity into their own futures. Just the fact that she waited to speak to me for two weeks after I asked for my money back should have shown me what type of person I was dealing with. I was dealing with a person is out to get as much as they can and will take advantage of others as long as they are allowed. I was dealing with one who drains the energy and resources of others to get what they want. I was dealing with one that is not realistic. I was dealing with a true Consumer. What exactly is a consumer you might ask? Well, Webster’s Dictionary defines it as followed:
Consumer:

1.An organism that feeds on other living organisms, for example animals and parasitic plants would be considered consumers. In a food chain, herbivores that eat green plants are primary consumers and carnivores that eat herbivores are secondary consumers.

2. Any organism that cannot produce its own food and must, therefore, get its energy by eating, or consuming, other organisms.

3. Refers to a particular individual who acquires or imports property or a service for his or her personal consumption, use, or enjoyment, or for the personal consumption, use, or enjoyment of another individual at the particular individual's expense.

Well, I would say that seems pretty accurate based on recent events. You might be asking well why are you dealing with such a person if you know they behave this way? Well young grasshopper, if you look in the last few sentences I wrote you will notice a key word. That word is WAS. I was dealing with that person. Was means that I will deal with them no more.
Well, so much for brief.

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