What’s harder to talk
about, do you think: money, or sex? I find it interesting that even as people
have a hard time being frank about both of these topics, we are literally
surrounded by media blather about them. Sex sells, and money will make you
happy, or so go the messages most of us are bombarded with every day, from
billboards, magazines, TV, even ads staring at us while we pee in public
bathrooms. Both topics also involve a lot of secrecy. People are, in most
middle-class circles anyway, probably about as likely to talk about how much
they make as they are likely to spill what they do (or don’t do) in the
bedroom.
But, this is a blog, and
it’s what’s on my mind, and I know that I’m not alone in struggling with the
issue of money even if it feels like I am. As I’ve said, money has been tight.
This fact has been extremely stressful and preoccupying for me lately. It has been very
difficult for me to relax since our savings account got as low as it has. We
have made some pretty major changes, cutting out everything from the Y
membership to babysitters. Doing the Compact is helping some. Basically, we
don’t spend money on anything we don’t have to right now. J is down a few piano
students, and it’s a tough time of year to find new ones. Our property taxes
are up (though our house value is significantly down), the cost of health care
and prescriptions has gone up tremendously to over $600 a month, we’re paying
off an assessment, and the cost of food is way up. The cost of both natural gas
and gasoline are also way up. All at the same time. Sound familiar, America?
We talked with a financial adviser recently who convinced me that while our budget is quite lean,
we’re not in crisis, and we should be OK if we increase our income a little. We’re
working on it – doing a little advertising, looking at various options for J’s
musical talents. We’re going to have to do it with no childcare, and that’ll
always be hard. There are a few other factors playing into my stress, though;
factors that are easier to ignore when the savings account is more flush. I
come from an upper-middle-class background, and while I certainly don’t expect
to live that kind of lifestyle on our income, it is always staring me in the
face. I spoke with my mom the other day, and she asked me how things were. I
told her about our recent calamities involving a couple of thousand dollars we
do not have to spare, and she told me that she had a crappy day too, because
the lawn chair cushions she had ordered custom from a tailor came out wrong and
needed to be re-done. At no charge, mind you, but the chairs look so bare.
On the veranda of their 2nd home. Conversations like that make me
resentful and somehow a little ashamed –a fact that I’m not proud of. The
expectations that I was raised with: that I would either get a job that pays
very well or at least marry well, die hard. In subtle and not-so-subtle ways, I
was raised with the idea that hard work = money, and that a responsible person
has a flush savings account, maxes out their retirement inputs, and has money
left over to save for their kids’ college funds.
In the abstract, I do know
that people with less money most often do not work less hard, and that people
can be “responsible” and still struggle. Furthermore, many of the people I
personally know that don’t make much money are in that situation because
of their values –because they are committing their lives to working with kids,
or doing nonprofit work. J and I work very hard, with no childcare: me
half-time at a nonprofit working with community benefit programs and hospital
patient families and J teaching piano and playing piano for church. I could
work more at a different job, but the cost of daycare would likely offset any
increase in income. We don’t spend excessively; right now we don’t even buy
anything new. We’ve never just put things we want on credit cards, taken
vacations we can’t afford, or started January with massive holiday bills. Doing
the Compact has been fairly easy for us because we were already pretty frugal.
Lately, though, it hasn’t
been enough. We’re still spending more than we take in, and the changes we’ve
had to make have been a bit more painful, involved a bit more humility. One of
those changes involves going back on WIC. We had WIC when the boys were
babies, and I was off work for a few months after months of bed rest. I
recently figured out that we still qualify, and we can get vouchers for all of
our milk, cheese, peanut butter, and beans until the boys are 5. I knew that
would help quite a bit, but to be honest, I cringed at the thought of
going back into that office. Two years ago, my “worker” was a 22-year old fresh
out of a rural college, full of pep and passion for educating the disadvantaged
about nutrition and literacy. Her assumption seemed to be that you’d only
breastfeed, feed your kids real food and read them books with her chirpy
enthusiasm as your guide, and she had a complete lack of understanding that the
sooner she quit giving me a breast-is-best pep talk (not that I’d ever
indicated I was thinking of stopping), the sooner I could get home and feed the
babies that were squawking next to me. It was an exercise in tolerant
humility—which is undoubtedly a good thing for me to have endured—but it didn’t
make me look forward to going back.
Thankfully, the “lesson” I
was to learn this time was not the same one. If last time I learned a little
about how it feels to have one’s lower income conflated with not reading to
one’s children or giving them proper nutrition, this time I learned a little
more about my own assumptions. As I was buzzed in the entrance door, the first
person I saw was another church member with her own two kids. She smiled warmly
and we greeted each other, though she was called up right then and we didn’t get
a chance to talk. The boys played sweetly with the other kids in the waiting
area until we were called up by our worker, a 30-something Somali woman. We
joked easily as she weighed, measured, and finger-pricked my boys, and when we
went over the options for our food “package” (you can make different choices
based on your family’s preference), she shared some helpful tips based on what
she did for her family with her WIC package. Of course, I thought.
Anyone in her position with more than one kid probably qualifies for WIC – as
will my old chirpy 22-year-old worker someday, unless she marries someone who
makes a lot more than she does. My own values – or rather, my ability to live
up to them –were staring me in the face. I work with the “disadvantaged” myself.
How are my assumptions affecting those interactions?
Really, I need an attitude
adjustment about as much as we need a bit more money coming in. I need to
remember that whatever my background, I am in solidarity with people who
struggle in all kinds of ways, and that solidarity is often borne of direct
familiarity with that struggle. I also need to remember that we’re doing our
best. We’re not spend-thrifts, we’re not trying to keep up with the Joneses,
and we’re certainly not lazy. We’re just part of the struggling
lower-middle-class, like millions of Americans are, especially in this ailing
economy. And really, we’re doing a lot of things right. We get to spend a lot
of time with our kids, even if the four of us are rarely together all at once. Our
boys eat really well, and they’ll be going to a great preschool. We may get all
our clothing used, but they have nice, neat clothing to wear. We may not have
money for fancy Lego sets, but used blocks, books from the library, toys given
as gifts and even chickens provide plenty of entertainment. We live in a
culture of tremendous excess, and in some ways it is our lean budget that helps
shelter the boys from that. It is connected to our decision to grow some of our
own food, to go camping for a vacation, to explore some of the wonderful free
events around town that the boys enjoy as much as they’d enjoy a trip to
ChuckECheese or a bouncy house warehouse. It is also connected to teaching them
about institutions that promote interdependence: libraries, parks and
playgrounds, public transportation, even seeing their Sunday School buddies in
our local WIC office. I’m all for these things, and not just for “other”
people, not just in theory. Usually, that’s not too hard to remember, but I
admit that it is frustrating sometimes to be around people who assume everyone
enjoys their standard of living, who invites you to lunch at a place you can’t
afford, refers to off-brand clothes as “cheap-looking”, or ropes you into a
group gift that’s beyond your means.
I also know that,
responsible or not, many Americans are heading into real financial
crisis. Many hard-working people are losing their homes, their savings, or
their retirement funds. I doubt the economy has bottomed out – in fact, as
we’re moving into a real global energy crisis, I’m not sure that concept even
has meaning in the same way is used to. Peak oil is happening (or has happened), with no
real solution in sight, and the economy of the last 60 years has been built on
the availability of cheap oil. I think it’s quite likely that we’re looking at
a rapidly changing world, a major restructuring of the world’s economy*. It’s
scary.
This is a time when we
really need to be looking at things like frugality, growing food closer
to home, using fewer resources, and less energy. It is also, as I have been
reminded lately, a time when solidarity and interdependence will even more
important than they've always been. Skills like cooking from scratch and growing and putting up food are
again becoming important as the cost of fuel and food rise. A lot of these
skills have been lost over the last couple of generations, but at least where I
live, there has been an explosion in community gardening, Farmer’s Markets,
cooking classes and the like. Our local light rail is hugely popular and packed
to the gills, and even our Republican governor couldn’t resist the vocal demand
for an expansion of its lines. Garage sales are doing a brisk business, as are
bulletin boards like Craig’s List, as people get better and finding each other
to reuse and re-sell all the junk they’ve accumulated. The re-sale value of
cars with better MPG are going up, and used SUV’s are getting harder to unload.
Lean times have a way of teaching us better habits, and I’m personally amazed
at how possible it is to live well on less money. It seems like I have all kinds of lessons to learn.
It isn’t living like this
that’s making it hard for me to relax – it’s not having enough of a buffer
against unforeseen events. I'd take the Scandinavian trade-off of really high taxes and a real safety net any day, but we don't have that option in this country. If we could get our savings account back up to where it
needs to be, I think I could live like this indefinitely without feeling so
stressed by it. Meanwhile, I guess I will have to accept that our buffer is not
our savings account, it’s our community and the institutions that help make it
possible to live well on less actual money. People who live and grew up in true
poverty are probably much better at this than I am, but I’m learning, and we
do at least have a fair bit of “social capital”. And while I would absolutely hate to
resort to it, I wouldn’t be honest if I didn’t admit that we could get help
from family in a true emergency.
I really hope these rather lean
times pass someday, but at least I will always have the skills and perspective
I’ve gained from them. My treasure is not in my bank account.
What have you done to survive lean times?
*For more information about this, consider renting The End of Suburbia.