My impulsive behaviour really can cause me a lot of trouble

After the whole tirade of moving house and not moving house I was left extremely low on funds, I had paid rent and deposit of over €1,000 at (the dirty) place and still had my deposit of €600 at my original place. On top of this I had a month’s rent due. I always try to ensure that I have some back up cash in the bank however with all of these expenses (not to mention a couple of trips to the doctors) my back up cash was gone. My pay came in and it was not enough to cover rent or living costs until my next pay.

hsbcBut it was alright, I had organised a credit card with HSBC for when shit really hit the fan. So I went and found the credit card and went off to save myself. The credit card didn’t work. I checked my account and there was an outstanding balance of 0.34c and almost $6,000 available to access. Well that didn’t make sense. I called HSBC and they advised me that I had been due to pay the 0.34c mid-July and as I had not paid the 0.34c a block had been put on my credit card.

You have to be fucking kidding me.

I paid the 0.34c but HSBC advised it could take until Tuesday to be processed and have the block removed (this was Friday morning).

ulster bank

I contacted my local Irish bank to see if I could get an overdraft, the earliest they could get me in for an appointment to discuss the potentially giving me an overdraft was Tuesday. The minimum personal loan I could apply for with my bank was €2,500 and for a minimum term of 12 months, not what I needed or wanted and as I had not been with the bank very long I was advised the application would not be approved. Again the Irish banking system has let me down.

dpcu
The DPCU and his trustee sidekick

Finally I went to the only other trusted banking source I knew of, the DPCU (Daniel Pearce Credit Union). I asked my brother for a loan of €500 until the following week when my credit card would be unblocked and I could return the money to him. The DPCU approved my loan within minutes and transferred the money into my Australian bank account immediately, all I need to do is withdraw the money here. God the relief I felt.

The drama isn’t over, the tenant from the house I was supposed to have moved into still hasn’t found anyone to move in and I don’t believe she is making much of an effort to find someone. I can text and call her as much as I like to follow up but this may only make her go slower out of spite. However the relief of knowing that I can pay my rent this month and that I have a clean and safe home to go to does take a lot of the burden off my shoulders.

Financially I have put myself not into the best position for the next couple of weeks (and potentially months), however I will recover.

This last fortnight has really taught me that although one of my personality traits that I have always liked about myself is my impulsiveness, my impulsive behaviour can cause me a lot of grief and stress. I have also learnt that a clean home and security are far more important than a housemate that may be a bit tight about the bills and have a personality that does not entirely suit you. But I have made the decision to slow down, I have not been here 6 months yet. Things will work out for the best, I just need to give them time and to stop trying to rush them.

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One Comment Add yours

  1. andnaps says:

    Oh my god, so sorry you had to go through such a crap experience!! At least you’re in a safe place now but hopefully you find the best place for you soon 🙂

    Like

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