so much to be grateful for. Better yet, I know that and appreciate that. But tonight, like last night, I find I can’t seem to get to sleep. Of all the worthless and mundane things in the world, I’m very worried about money. And I’m tired of worrying about that fruitlessly in my bed tonight, so I think I need to get the disjointed fears out of my head and just see them written somewhere so I can evaluate how bad things really are.
Shortest term: The Centre of Excellence that’s funding the six next months of my life just switched universities from Jockstrapstown to Hometown. This means a lot of headache for the administrator and no chance in hell they’d pay the first installment of my grant on January 1st, as they should.
How to deal with this: As I have no savings cringe but have credit card bills to pay on the first, I’ll have to borrow money from my mother until the new university pays me my grant. Albeit a bit uncomfortable, this is not horrible, and I can pay her back within the month. So this is not really a problem, just an inconvenience. (Phew.)
Short term: after ending my proper job in July and during moving here, I have accumulated credit card debt that’s probably cringe 2: maybe it would be time to find out exactly about the size of two months of my net salary, on two credit cards with c. 10,5 percent interest. And I really want to pay that off as quickly as possible. But trying to come up with a plan that would make it possible to pay the debts off in six months, as I had hoped, would leave me money for food, rent and the occasional toiletries, and nothing else. No going out with friends, no clothes, not to say anything of road trips; that is, actually utilizing my limited time on this continent to see and feel it as best as I can. I don’t want to be financially irresponsible. But I also want to say yes to life. And this might be a problem.
How to deal with this: Find out exactly how much I owe and make a plan that I can actually live with – I’ll probably just have to swallow my pride and pay off the debt in eight months instead of six. I hate it. But I’ll have to think of what my priorities in life are.
Longer term: The divorce, selling our apartment in Bohemia and comin back here for another year. I talked with friends back in Bohemia Christmas Day, and they mentioned that the housing market is almost dead there – no-one wants to buy. This might be circumvented by renting out the apartment – that would almost cover the mortgage, except… there’s a huge renovation coming in the autumn in the whole building; all the plumbing and central heating will be renewed. This will ultimately increase the value of the apartment, but it’ll be impossible to find lodgers who’d like to not have a toilet, shower or running water for a month or even two. And it’s financially completely impossible for me to keep paying both half of the mortgage and my own rent here in the USA during the next academic year. And this makes me very worried.
I thought I was becoming so adult and responsible, buying that apartment together with the husband four years ago. Now my once-beloved home and the perfect place for hosting literary salons and cocktail parties and murder mysteries just feels like a yoke that’s tied us together for all eternity. And this seems like a very sad thing to feel about one’s home. Then again, bah! An apartment is nothing but what one makes of it. I wanted, after all, to be a nomad and not a settler. I’ve had a couple of childhood homes and a teenage home and a student home and a living together with someone home and a married home. My next home will be as much a home and as loved.
How to deal with this: Ah well. I know I’ll have to consult my mother about this apartment thing sooner or later. She’s quite good with money and has plenty of experience in selling apartments. Except she doesn’t know about the impending divorce. So, perhaps my first step towards solving anything should be to gather up the courage to actually ask my husband to sign the divorce application. I can’t see anything beginning to be untangled in darkness and confusion.
There probably are solutions for everything: a bank loan, negotiating, patience, keeping a cool head, selling all furniture back home and splitting the money. I’m trying to remind myself that things are never as bad as they appear at 3 am. So maybe it’s time to try sleeping again.