There goes another waste of cab fare. Thank you, Metrobank.

It sucks when you’re broke because you absolutely don’t have money. It sucks more if you’re broke but, technically, you have money; except you can’t withdraw it from the bank.

I lost my ATM card earlier this week and I have not come around to replacing it yet. I needed to submit a notarized affidavit of loss to the bank before I could make an over-the-counter withdrawal. Thing is, I need to make an over-the-counter withdrawal so I could have some cash for the notary, among other things. You know the Universe is messing up with you when you get yourself into sitcom-like Catch-22 situations.

Thank Dog for kind friends who offered help in my time of need. Finally I was able to have the affidavit notarized and I was ready to head to the bank to withdraw. Flatmate Leo lent me some cab fare so I could reach the bank before 4pm.

A few minutes before 4pm, I was outside the bank and it was closed. It was one of those banks that close at 3pm. Great job, Jade, for not taking note of that sooner.

You have to understand: For someone like me who works at night, going to the bank during the afternoon is like agreeing for an appointment in the wee hours of the morning for you dayshift people. I get off work at 5 in the morning and I need to sleep.

It’s not that I urgently need the ATM card replaced; as I told Leo, that could wait.

I. NEED. MY. MONEY. DAMMIT.

So I need to head to the bank tomorrow at 9am, submit the affidavit and (hopefully!) get what meager money I have left in my account so I could survive until the next payday.

Today is payday.

And already most of my money has gone to paying bills, leaving me with only a few thousand in the bank. It’s ironic how the higher my salary goes, the less spending money is left to me, it seems. And there’s also that fact that my salary probably won’t be increasing in the next year at least, but that’s another matter and is something I really can’t be writing about in public.

Where does the money go? I don’t smoke, I hardly party, and I only drink occasionally. On the other hand, there’s rent, food, cab fare (the only vice and luxury I could really admit to indulging in regularly), utilities, and other bills. The world conspires to keep most of us in debt. One time, I heard a college kid complaining of his miniscule allowance; I wanted to say, “working won’t really change that, man.”

Last night, I discovered my ATM card was missing. Great. Until this afternoon, I had several thousand pesos in the bank and I can’t withdraw them because I’m missing that little piece of plastic. I’m pretty sure I last saw it in our bedroom; the boyfriend and I stopped short of dismantling the panelling, but we were not able to find it.

There is online banking, of course. Thanks to the Interwebs, I’m now up to date with my bills and pretty close to being broke less than 24 hours after money was credited to my salary account. That’s money gone without me even touching them. Ain’t modern life wonderful?

Today is payday. Not so much that I’m getting paid as me doing the paying. Dear gods, why wasn’t I born as a rich heiress instead?