I surrendered my insurance policy last week.
I didn't purchase it myself. It was actually handed down to me from my parents. I'd reached the maturity period (25 y.o.) and am supposed to be paying the premiums myself now. Problem is, I can't afford it. It's a very expensive policy. I'm not making as much money as my folks used to do.
And the truth is this: We're all not making as much money as we used to do. That's why we're downsizing little by little. The house is paid for. The cars are all paid for. The folks won't let me buy a new one because it'll result in a deeper plunge into the mess that is bank debt, of which I am glad if only it weren't for my brother, who needs the same car as much as I do. Given the different workplace locations, that's just way too much of a hassle. And I fight with the guy--a lot--over who gets to have it on our days off. It's not exactly conducive of a healthy family relationship.
I mean, dude rocks my RM100 Sony headphones on a daily basis, as well as my phone charger. They have taken up residence in his bedroom, and that door is always locked. Any mention about how he should replace his own broken stuff instead of being a parasite who feeds off a sibling would be dealt with a counter-argument about how I always get to have the hatchback, and thus leaving him with no mode of transport to make all the necessary purchases.
I mean, dude rocks my RM100 Sony headphones on a daily basis, as well as my phone charger. They have taken up residence in his bedroom, and that door is always locked. Any mention about how he should replace his own broken stuff instead of being a parasite who feeds off a sibling would be dealt with a counter-argument about how I always get to have the hatchback, and thus leaving him with no mode of transport to make all the necessary purchases.
What a load of bullshit. The van is always there. You're just too vain to drive it.
So yeah, that's my brother for you.
Now my parents are in the process of switching to a different insurance provider. I was told to start first, because they're not responsible for my insurance anymore. I haven't written about it anywhere on this blog, but I'm already down to my last thousand in my lifetime savings. A sacrifice I keep convincing myself is for the greater good. Filial piety is a nice concept, but I have to admit, it can hurt sometimes. I burst into tears at the sight of the figures on my unit trust statement.
I believe I should move on before it gets even more depressing.
So yes, papers were signed and sums were calculated. Turns out after previous claims following events that resulted in my PTSD, I was entitled to receive thirty grand. It would've been more if I hadn't utilized the benefits in the past. My parents and I had agreed that we split the cash, as they had been the ones paying for the premiums in the first place. That's fair enough, I suppose. It's not every day that you get fifteen grand given to you just like that. That's still way more than what I make every month. No reason for one to be ungrateful and demand more.
After this, my siblings would follow suit. We're planning to surrender all the policies before the end of this year. They'll probably get more than what I got. Oh, well. Not that it matters now anyway. I'm just too exhausted to care about all this stuff. At least now I won't have to set aside so much cash to pick up where my folks left off. That's another loose end, finally tied off after so long. I wish my father hadn't made so many bad decisions. On a side note, I think I take after him when it comes to rashness.
Here's to hoping things would finally fall into place. Maybe then I could find it in me to stop contemplating on throwing myself off both the metaphorical and literal cliff.
And dude, I want my headphones back. You're a working adult now. Get your own fucking headphones.