Annual income twenty pounds, annual expenditure nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought six, result misery.
Charles Dickens, from David Copperfield

So if you’re miserable and want to know why, do the math.
Categories: A Smartass Post
They could live on 20 Pounds/year back then? How things have changed. What the dickens happened?
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š I think what happened was that the government, in order to avoid misery and make everyone happy, decided to pay its debts by printing money.
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I don’t do math, so now I know what to blame when I feel bad. I Math is to blame! I tried to tell my teachers that it was no good!
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You could have gone into politics. Absolutely no math involved.
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Haha! Yes, you are right about no math being involved. They just throw money around, not caring at all. Our National debt proves that. Guess I missed my calling as an accountant for politicians.
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So I guess for you, getting extra credit means going deeper into debt.
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Of course. Kidding!
I may not Iike math, but just to clarify I am not drowning “poor Brad” in debt!
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Ah yes………. “Poor Brad”. Didn’t somebody dedicate a poem “Poor Brad” to him????
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Pfttttt!
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That was rather rude.
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Good. It’s hard enough for him to keep up with your high-maintenance needs.
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“Funnny!” You probably can’t even give one example of how I am supposedly “high-maintence”. š
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Um, let’s see . . . you own a GOLD Caravan. ‘Nuff said.
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š¶š¤! If it was made out of real gold you may be able to say that, doolally! But…..!
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And then you put a dent in its golden exterior, and poor Brad just sucked it up.
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Oh gosh! It was a tiny one.
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That’s all it takes to devalue a vehicle by thousands of dollars. Yet you shrug it off. Typical high-maintenance woman. Poor Brad.
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š¶š¤!!
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Annual income twenty pounds… before or after taxes?
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Before. But if you don’t pay your taxes, you’ll get an extra pounding.
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No problem… I know how it works. I’ll just put it on credit and wait for one of those relief checks to pay it off later.
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Exactly!š
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Good thinking. You’re as smart as a professional financial planner.
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Accurate. Nothing worse than being in the red, even when your working your ass off. Gotta cut out the bullshit expenses. Take charge.
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Yep. Seems to boil down to priorities. Such as, would it be better to buy this nice doodad, or would it be better to eat?
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And eat the food you have at home. Minh
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True. Too much restaurant eating will break the bank.
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It seems like twenty pounds ought two be good
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That’s what my dear, sweet gram-ma told me.
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š
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My Dadās mother Mildred was wise like that, Millie Gram-ma we called her
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She sounds nice. I would really like to meter.
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Not sure you would measure up to her standards.
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I’m sure I could inch my way into her favor.
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š
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That might get you a foot in the door.
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Or at least leave me standing in her yard.
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hopefully no furlong.
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I can’t fathom that happening.
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Yeah, I usually hope that the PUNspiracys don’t last furlong, but……š
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We’re just horsing around. But I guess it must seem like we keep running around in circles.
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Oh help! Aren’t you supposed to be out looking for the mysterious armadillo this weekend?
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I think they migrated North for the summer.
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Don’t they pass through Pennsylvania in late-March?
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Noooo they don’t, doofus!
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Yeah, I think you missed them. Well, there’s always next year.
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Well Jason said they migrated here for the summer. So Which is it, crazy stooges! You need to get your stories straight. š
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I hear they like shoo-fly pie. So you might go looking for them at your local shoo-fly pie store.
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Riight! So, they are hiding from you as well? š Guess they don’t like the smell of bitter coffee.
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pfffftttttttt!
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šš
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Groan!
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Enough is good. Even if it’s just barely enough. A little in the red is a red flag, you’ll eventually need a payday loan. And the only person happy about that is the person making 300% interest off you.
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Yeah, payday loans are a ripoff. But I’d be afraid of barely enough, because then there’s nothing in reserve.
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Like you, I like a little cushion. In my just married years, we cut it close, too close for comfort. Credit is nice, but for us, it was too tempting. Digging out of debt is a long, slow process that takes a lot of discipline. It was miserable and I will make sure I never go through it again. Payday loans didn’t exist back then, by the way. Thank God.
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Digging out of debt is drudgery. Hey, how’s that for consonance? Anyway, I’m glad you were able to extract yourself from that hole. Sometimes, life’s lessons can be hard.
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