One man’s voice Thoughts, rants and commentary from a husband, father of five and professional web geek

Feeling the effects of cowardice and the economy

I have been going through a major transformation in my life the past few weeks. Most of this transformation has stemmed from the fact that a few weeks ago I came to a life shattering conclusion that I have been a coward for a very long time. Somewhere in my life I decided that it was more important to make people feel good than to do the right thing. And because of this decision I made, Lord knows when, my life has been a series of bad decisions based on someone's tears, fears, angst or discontent.

The effects of a cowardly man are far reaching. Everything that requires the strength of a man are shot to hell when a man refuses to be strong. And I believe things are designed to be that way. Men are made strong so we can use our strength. We are made aggressive so we can be aggressors. We are made to withstand because we need to withstand. It is in our makeup. Strength is not supposed to be something that looks good on a model or handles itself well under circumstance, strength is a meant to a be a lifestyle, a characteristic that is exuded daily by all men.

I have not lived that lifestyle. I have indeed allowed myself to be swayed by many different circumstances. And in so doing I have surrendered my position as a man, a leader and head of household to my wife. I have not only stripped myself of the authority and dominion inherent to me as a man but I have also placed my wife in a position where her identity as a woman is cloudy because of the things she has to do because I have chosen not to do them.

One area of long standing contention in my marriage has been finances. I am the sole provider of the house and have been for about five years or so. In the 13 years that Sandi and I have been married she has worked outside of the home for about five years with the remaining eight years being spread out over several periods in our marriage when we had new children or some other life event allowed/necessitated her be home with the kids.

Up until a few years ago I had managed the money in our home. I was diligent, relentless and incredibly passionate about making sure our bills were paid and our obligations met. I had the bank account balanced against my register every morning. I knew, to the penny, how much money I had available to my at any given point of any given day. I was on it.

Unfortunately at that time we did not make a whole lot of money so even though I had things firmly under control we did not really have a lifestyle. We had kids, a place to live, cars to drive and a little bit of food in the fridge. But that was about it. And Sandi felt like she was being locked out of the finances.

So in response to her feelings I decided to offer control of the finances to her. I am not one for two people handle the same task at the same time so I told her that she could have it if she was willing to take it all. She agreed and a few years back I gave her everything I had in relation to our finances. And you know what? For a couple of years she did a kick ass job of making sure everything was handled appropriately just as I had done. She also saw to it that there was money for other lifestyle type things so we were not always so stuffed on what we could do or when.

She even made sure our credit improved. From very early on in my adult life I seemed to do everything under the sun to make sure that my credit was craptastic. She actually improved our credit standing and in late 2005 we began taking on credit again. It was nice to be able to qualify for things that required good credit because had, for so long, been such a huge credit risk that we were either completely unable to do things based on credit or we paid a huge premium for doing things on credit. So I felt great about her handling the money and the success we were having.

In September of 2006 I changed jobs. I began to earn about 50% more than I was earning at my old job. We had lots more money and what appeared to be a growing lifestyle. And then things began to take a turn for the worse in our finances. We had amassed an enormous amount of debt. Things were not getting paid. We began to get calls from creditors. We began to not have money. This was about summer 2007.

Being faced with some troubling circumstances ahead I made a few decisions and didn't make a few others that led to an increased lack in my household. The long and short of it is that I ended up costing my family my retirement to get us out of hock in June 2007. The biggest bills were paid, some smaller ones were paid off completely. We put some money (about $6,000) into savings and put a little more (about $2,500) into savings for our children ($500 each for five kids). It felt good, but in a bad way. While the bills were paid and we had some savings immediately I knew that withdrawing $60,000 worth of my retirement would have a negative effect on our lives.

Spring forth to December 2007. Even though we had paid off almost all of our debt just six months earlier we were maxed out again. I had about $200 cash to spend on Christmas for my entire family, my wife and my kids. My credit cards were shut off or at their limits. Times were tough. Bills were not getting paid again. Calls were coming in again. The kids began to understand that Privacy Manager, or 1-800 Services on the phone meant that neither mom nor dad wanted to take that call. In January of this year I was faced with another decision to make.

I chose to borrow against my paid off car so I could pay down our American Express bill. Again. We paid a few others too but the AmEx bill has always been the one that has gotten us into trouble. And mind you we had burned through the $6,000 grand in savings (I was saving that for the tax bill on the retirement withdrawal that I knew was coming) and the kids savings had been wiped out too. We had nothing at our disposal except my car. So I had to do something. I hocked my car.

Now in the midst of all this I had made a firm decision in my head to take back control of the finances of our home. And each time I was completely swayed by my wife's tears and heartfelt sentiment that she could get things back under control if she just had a little more time. Plus she said that she didn't want to be kept out of the finances again and that when I was doing the money before I would just push her down and not listen to her. So again, I caved. Each time we hit rock bottom I would try to get us back up to a point and still let the situation run. I was scared of my wife's reaction and feelings.

Let's come back to here and now shall we? We are just about to move into August. The last time we paid anything to American Express, I come to find out, was April. Our truck payment is behind. Most of my cards are behind a month or more. Some have even gone all the way to collection agencies. I am getting multiple calls daily from various collectors that want to be paid. And, even though I was just told a few weeks ago that our car payments were up to date and that we are good, I also find out this past Saturday that we are overdrawn in our back account by $800.

"What? How could we be negative?" she says. "I was watching that."

This morning we are up to $1,000 negative in our account. If it gets any worse we will not be able to pay our rent. We are already not going to be able to buy groceries. Our utility bills are mounting because they are months behind and I have a truck payment that is about to get to 60 days late. How much longer should I wait to see if this thing gets better?

Granted things have gotten out of hand in terms of cost all over the place. The economy is crap right now thanks to fuel prices. The cost of gas is driving the cost of everything else up so things that we rely on daily are getting harder and harder to afford. But when it comes right down to it, how would that explain the condition of our expenses?

I blame myself. Sandi should never had been put into a position to handle this. It is my role as the leader of our household to take care of things like this. I have failed her, my family and myself. I have let this get out of control. That gets fixed now.

A man with no balls allows all sorts of mischief to take place right under his nose because he is too damned scared to make a change. Today, I take my balls back. This will be fixed.