January 4, 2012

2012: at this moment, looking forward

It’s 2012.

I’m thinking about my mom.

I’m thinking about the fact that I should be getting some news this month, one way or the other, that impacts my career path.

I’m thinking about the fact that we have, no joke, a thousand things to do this year at work, at home, at work, at home.

I’m thinking about how much I wanted to go home today and think about my mom.

I’m thinking about how we’re scheduled to launch the pilot of a new platform that I’ve worked on for a whole year, next flipping week.

I’m thinking about how I haven’t blogged comfortably, well, in months, if not years.

I’m thinking about how on earth I’m going to keep my family together.

I’m thinking about how much travel we tentatively have queued up for the year.

I’m thinking about how much I miss my friends, even the ones I haven’t gotten to meet yet, or the friends I’ve only met once or a few times.

I’m thinking about how I feel like eloping was the right thing to do but I missed out on the bonding that could have happened with old, good friends if I had planned a regular wedding.

I’m thinking about how fun a new project could be.

I’m thinking about how sad and in pain a dear friend was this morning and I’m so glad I emailed her, all unknowing.

I’m thinking about all the thank you cards I want to, need to, write.

I’m thinking about how much I really really need to focus (Singlema’s post on Focus at Fitness, Finance and Fun reminded me of the old me, so very very much).

I’m thinking.

January 2, 2012

2011: A year in review

Happy New Year!

This is the first year I’ve taken this long to review the year. We spent the holidays traveling for two days on either side of Christmas, three days jammed with visiting of friends and family, overlaid with a nasty cold for me, and then it was back to work for me, though the family’s vacationing continued and followed us back home for the last week of the month. 

December 29, 2011

Vagaries in Increments

Money has been a weird thing of late. And weird in odd chunks. Mostly me making mistakes. I haven’t paid the stupid tax in a while but it burns me up just like days of yore.  Even if it doesn’t immediately cause me to miss other bills anymore, it still gets my goat because it’s going to get in the way of other goals. 

* I saved myself 10% on a big order from Ann Taylor by reordering everything at 50% off instead of 40% off.  Except carelessly, didn’t notice that at 50% off, my order was $25 shy of the free shipping (no code needed) minimum that I usually never miss and cost myself an extra $13. Kicked myself up and down the street for that and couldn’t get a reprieve from the company. I’m going to have to return most of those items because only one thing fit well so I’ll have saved myself pretty much nothing.
* Bought PiC two pairs of potentially really nice sneakers from Amazon’s sister deal site at a steep discount but made the mistake of letting it charge to my credit card instead of using the rest of my gift card balance. Ended up having to return them both as neither fit well and now I have a whole lot of extra Amazon credit.  Which I promptly dug into. 
* I tried to transfer a large amount of money from one Chase account to another ING account. Carelessly slipped when selecting from the dropdown menu and grabbed the wrong Chase account – the one that never has real money in it.  !!! @(#*$(#!!! 
* Received a bill from the dentist, which rather annoyed me because if my recent visit was going to incur cost above and beyond, I am accustomed to having the amount estimated at the time of the visit.  I planned to drop by the office to pay it by CC. Frankly, I’ve been a little busy. A lot busy. It’s also only been about two weeks. Another bill came in the mail and they’ve adjusted the price downward by $53.  No reason given. Hrm. 
* I have GOT to get on the ball with figuring out creative flight financing for our honeymoon. Those prices are giving me heartburn like a … well.  You know. 
Is anyone else’s dander up?  

December 27, 2011

In search of a common language: poverty and the great silence

Andrea’s post Are We Defined by Our Mistakes? touched some nerves at So Over Debt.  Her personal life with being broke and professional experiences helping the impoverished and the reactions to her conclusions illustrates how complex the issues surrounding poverty. And every time it seems defined, there’s another rock to label.

There aren’t simple, easy, sound-byte answers. There isn’t even an easy list of questions. If ever there was an area in which we tended to chaos, this is it.

Yes, our choices make us who we are. But yes, our nature make us who we are. And yes, our surroundings and environment make us who we are. So yes, until our mettle is tested, we won’t discover who we are. The snake eats the tail. As much as I hate that image. All of those influences feed into one another, all of them overlap and intertwine and jostle for position.

*****

If ever we were emotional about money, I find that we are that much more reactive about the lack of it. And our neighbor’s lack of it. And his neighbor’s lack of it. Because no matter what politics you vote, no matter what religions you preach or practice, social inequality and ills touch us all. And it roots deeply, for some more deeply than others, for some more personally than others.

There’s what seems to be need to stifle compassion lest it be construed as weakness(?) in many reactions particularly for those who haven’t experienced it; someone else’s poverty is to be mocked lest it taint, spread or corrupt.  Judge lest ye be included, I suppose. It is a fact that in the greater picture, the existence of poorness affects us all. It could be you, there, one whisper says. It’d better not be, roars another voice, I work hard, I don’t deserve that! It’s another version of “there but for the grace of God go I.” It’s another version of “Get away from me.” And so on.

And it could be your sister, your brother, your parents, your son, your daughter, your grandparents. Your friends, your cousins, your aunts or uncles. It could be anyone you know and love. And for every single one of those people who might be poor, we can search to find reasons why. Why this one succeeded and why that one did not, and eventually you may find patterns. There are, in fact, statistics and patterns – I’ve seen them, anecdotally, but I can’t for the life of me see how to put them together and draw a good analysis from which we can do better.

There’s also resentment, resentment that we work hard and have to keep doing so while others who are less well off are being helped along. Therein lies judgment. Therein lies the willingness to lay blame at others’ doors whether or not it makes sense. I’ve been guilty of this a time or two with my brother. I sincerely doubt that his newly bloomed mental issues were always the cause of his behaviors in the past and it’s still hard to move past that to a place where I can unreservedly do what I need to do. But that’s hardly productive and doesn’t get at the real issue. He needs help and with boundaries, I am capable of rendering basic assistance. It’s always easier said than done. But that’s the bottom line.

If there’s a complicated question to be asked – why him? Why not me?  He was born with a myriad of talent, I, very very little. And raised in the same household with the same parents with the same educational benefits, except his was actually a little better. He had every bit as much privilege as I and yet here we are.

*****

But the story, my friends, the story isn’t over until it’s over. Deep in the fabric of this country, in its soul, is the foundational Horatio Alger archetype that we can all bootstrap our way from rags to riches will-he, nill-he, the American Dream, the dream that we can all one day become successful – whatever that means.

That too, drives much of the emotion and expectation, by the way. Why can’t you lift yourself up from the ashes? Well, sometimes, coming from someone who barely believes this in her own life but knows it really is true: sometimes you can’t. And you certainly can’t do it alone.

I do wholeheartedly know this: It’s sheer folly and hubris to believe we exist in a vacuum and can succeed and achieve wholly on our own. There is an enormous amount of effort and blood, sweat and tears that has to come from you when clawing your way up. But alone?  Unlikely to the extreme.

Before there were helping hands, there were free internet forums and smart people setting up systems to make an extra dollar and sharing resources. Before there were scholarships, there were libraries with free books to borrow. Before there were blogger-friends, there were real friends who stood staunch in the breaches and supported me even when there was no personal gain or experience of what I was going through. Before I graduated college, there was at least a thousand hours of overtime. I had to do just about everything with my own hands, my own brain and my own breath and I had to sacrifice a lot to get there. But I had the support of a few good friends whether or no it made sense to them and I had one heck of a lot of resources provided by other people. There’s no way I’d ever say I did it all by myself.

*****

People come here, my people came here, to live, to thrive, to make lives worth living. Not to fall to the depradations of political strife, corrupt government, grubbing out a living from the riverside or out in the jungle. Instead they faced a new world and its urban challenges of prejudice, language barriers, drugs, a corporate world rife with sheathed-claw politics, business conducted fairly or unfairly as the tempers befit the owners.

Should they be sketched, though, I suspect that the patterns of poverty would fall out similarly even accounting for personal choice and individual deviations. There are enough patterns over the generations that even my untrained eye can note them.

*****

Excerpts from what John Scalzi said:
Being poor is knowing you work as hard as anyone, anywhere.
Being poor is people surprised to discover you’re not actually stupid.
Being poor is people surprised to discover you’re not actually lazy.
Being poor is a six-hour wait in an emergency room with a sick child asleep on your lap.
Being poor is never buying anything someone else hasn’t bought first.
Being poor is knowing you’re being judged.

I could keep going down that list, nodding, but the even more compelling parts are the comments. This set, John’s response to a (particularly, I thought, smug and righteous) comment, and the bolded bit is my emphasis, that was in no way reflective of the tone of the thread sums up much of why I’m going on about this:

Kathy Shaidle writes:
“Instead of posting a semi-romanticized, heart-wrenching litany of the things poor people have to put up with when they’re too lazy and/or dumb to get their acts together like we did, why not write another post telling poor people how you went from poor to not-poor.”

Ms. Shaidle, as you may or may not know, I live in a small Ohio town, most of whose inhabitants can be described as the rural poor: They work on farms and they work as blue collar workers. Many of them are poor, because as I’m sure you know farming and rural blue collar work doesn’t pay particularly well.
Very few of these rural poor are lazy, Ms. Shaidle. In fact, they work as hard or harder than anyone I know. And while many of them are uneducated, uneducated is not the same as stupid. In all, these are good, honest, hard-working people. Perhaps you are comfortable classifying them, and other hard-working poor, as “too lazy and/or dumb to get their acts together.” I am not.
Conversely, I’ve worked in high-tech and publishing for much of my life, and as a consequence I’ve known lots of middle and upper class folk. Some of them are quite lazy and/or stupid — so many, in fact, that I am quite comfortable making the observation that dumb and lazy can’t possibly be the deciding factors in who is poor and who is not in this country, because if they were, I wouldn’t be stuck in a three-hour meeting with this idiotic schmuck who is about to dump all his work on me so he can get out to the golf course.
I think it’s a problem that people assume that all the poor are either dumb or lazy, because it’s false, and because it allows the not-poor to go, oh well, they had their chance, and they didn’t do anything with it. As I mentioned before earlier in the thread, lots of poor people are doing everything right to improve their situation, but they don’t have any wiggle room when things go wrong.
The fact that people seem so willing to write off the poor as dumb and lazy is of course why I wrote in the original essay:
Being poor is people surprised to discover you’re not actually stupid.
Being poor is people surprised to discover you’re not actually lazy.
“Much more helpful than all the guilty white liberal, pseudo-Russell Banks stuff, what?”
I don’t feel in the slightest bit guilty, and I’ve never read Russel Banks. Also, Ms. Shaidle, I write what I choose. Maybe at some point I will write a “how I did it” piece. However, at this particular moment in time, for various reasons, I think it’s helpful to note to the comfortable what the experience of being poor is, because oddly enough, sometimes it seems like they don’t understand it well, even some of them who have come up from it.

*****

I’ve been there. I’m still there, in my head. My parents were there. For periods in their lives, separately and together, they experienced a poorness the likes of which most, average, middle and upper-class Americans simply do not know. But the fact they had experienced a poorness even more staggeringly numbing, or at least my mom did, the period in the later years was easy by comparison.  Physically, anyway. That’s the one thing you can really count on with poverty. Once the grit works under your skin, some bits of it will always stay.

I know people judge. I know they assume. I hear it all the time. And there comes a time hearing shallow judgements, suggestions and assumptions leads to cutting off conversation about it completely which isn’t productive, but it is protective. Appearances to the contrary, I’m no naive child who doesn’t understand finances, the market economy or the basic idea that you get a job and hold it to make money to support a household.  I’m experienced enough to know that in the game of life, whether there is margin for error or not, errors will happen and having zero margin (we call it cash flow, an emergency fund, or cash cushion) is just one part of the inexorable slide into debt and poverty. So to all the people who said, “Why doesn’t your dad just get a job as …” while he was taking care of Mom ….That was not the problem. It was one of many problems. But it was a solution in the morass of problems I was dealing with.

In this newly married life, I’m having to relearn how to open these conversational paths, slowly and painfully, pointing out the complexity of the issues to PiC because he’s never lived this life and frankly, I’ve guarded that side of my life from those in my life who had never experienced deprivation in their lives. And while explaining the situation that developed with my brother, I also had to explain county benefits and welfare, shadowed with the embarrassment of “this is life when you’re poor.” Bad enough poor, bad enough mental issues, we had to go and combine them.

Those nerves of mine had been exposed this holiday weekend as I visited home and caught the tail end of my brother storming at some dentist’s office over their treatment and I don’t know what. He muttered, stomped and threatened to call the corporate office.

What corporate office? You’re poor. You have no money, no insurance, so you’re using a county facility where the dental care has been notoriously poor, negligent even, and that’s the normal state of affairs there. Do you think they care? Because I could tell you they really don’t.

But there’s no telling him. He knows what he knows and when he’s waving his Sword of Righteousness there’s no telling him anything. Then he comes to me. Do I know what dentist he can go to? Do I know the number he can call? Because he was given a “fake” number to their “corporate office.” Because clearly I still live around here and can fix everything after he’s gone up a tree again, as usual.

I was silent. He maundered off after a minute.

See that? See the blaming? It’s still incredibly hard for me to let go of the rage he elicits by continuing in remarkably familiar behavioral patterns even with the revelatory knowledge that he’s not in his right mind, probably.

But it’s also incredibly hard for me to choose to suit up and get back into the cycle of poverty that he lives in because there’s so little I can do to break it. It’s going to be the county dentist unless I come up with cash, and a lot of it, to pay for his dental work. And then will he take care of his teeth? I don’t know. And will that prevent any accidents or just regular degeneration that happens even when you do take care of them? No. And will I then come up with more cash when he next needs it? How long can I keep that up?  And what other medical issues can I support?

Knowing I’m going to fight an endless fight is draining before it even begins, and I’m not one to back down from any fight. I suspect that may be part of our society’s problem in learning how to deal with it. Because there’s no simple answer, because there’s no secret plan to fight poverty, because we can’t list ten action items and know that there’s a light at the end of the tunnel, it’s debilitating and it’s distracting.

*****
I had a conversation with someone who’s been a second mother to me. He’d gone to their house and had a meltdown. At first I wanted to be furious that he exposed us that way but then I just breathed deeply.  There’s absolutely nothing I can do about it. And I’m going to have to accept that this is the state of affairs. So we had a conversation. She’s convinced that he’s fried his brain on drugs. She’d had some professional experience in the area so I couldn’t say she was wrong; I haven’t been there, I literally couldn’t say what happened. She’s the staunchest conservative thinker I know, but even she agrees I should try to get him into therapy when I am able to deal with it.

That takes us back to the boundaries and the limits. He is my brother but I, too, have to do as much as I can and no more than is sensible for our lives.  And because he’s poor, because we’re not rich or well off, because he’s legally an adult and because I can not push my new family to the brink to provide for him, I don’t think there’s going to be very much I can do. At least, not to my satisfaction or socially acceptable conclusion, anyway. By which I mean, somehow get him to be in therapy, on whatever medication he may require if any, and working to support himself, out of the house, on his own.  He is going to have to be some combination of those things, but I can’t hold my breath that he’s going to become a fine upstanding citizen any time soon.

Having to discuss this openly, in real life, made me realize – there really has to be a way to have these conversations with less shame and less blaming. There has to be a way we can productively find big or small solutions with some heft behind them. Certainly this situation as an example is complicated with the mental illness muddying the waters, but when do they ever run clear?  Poverty encompasses this and many other encumbrances that could be managed tolerably in some circumstances, so while I haven’t got the answers, I do think it makes sense to embrace the complexity in the conversation.

This post was included in the Carnival of Personal Finance: Australia Edition.

December 19, 2011

Mid-month Progress: Pre-Christmas panic, family stuff, coping mechanisms

I’m still working on this deceptively short but ridiculously time-consuming list of things to do to save money for the household.  And I’ve added several items.  Lists make life seem more manageable. Until you have lists of lists, at which point the system starts to break down.

1. Benefits seemed easy but it’s spawned more paperwork for life insurance purposes.  I say thee, tomorrow. I shall complete the last bits tomorrow. Or at least make the next sets of phone calls to finish the last bits tomorrow.

2. Auto and property insurance research was utterly demoralizing. ie: took hours and was still nigh-on impossible to nail down a good comparison.

3. The mortgage stuff we’re getting a start on but we’re not at the point of dealing with the actual refi.

4. I’ve been madly dashing around at work trying to get everything to the right point for the upcoming new year and battling madly but quietly for my next step.

So …. 

Check! I have finally wrapped five gifts purchased earlier in the year.  But we’re still down at least five gifts. Yeeks!
Check! PiC blew our gift budget on ME. It wasn’t the classic (stupid) car commercial but it was a big gift I wasn’t expecting.
_____  And has been mum on the subject of his family’s gifts so they really may be getting socks. [see, blew our budget]
_____ We’re traveling a little for the holidays and then hosting a full house for a few days so we’re double whammy on the stress of preparations.
_____ I still haven’t planned anything for our anniversary. He wanted to do something special for our 1-year engagement anniversary.

_____ And I’m working on Holiday Gifts for the Office.

Check! Mission: Find Non-denominational Seasonal Cards was accomplished, though! I triumphed in the face of great mobs and traffic. *shudder* I had forgotten the state of any mall and parking lot in the end of December, since all the shopping’s been online lately.

That’s not terrible, eh? How’s everyone else doing out there?

December 15, 2011

Before the S.M.A.R.T. Goal

It’s around the time of the year that people are caught up in the hustle and bustle of the holidays, or the end of the year and everything that entails: financial closings, year end sales, family gatherings.  A flavor for every profession and preference.

A few weeks later, we’ll be talking about setting goals or sharing the goals we’ve picked.  We might have decided on them as a way to create the new us, to define an aspirational year or just pragmatically, reach new milestones.  And much of the time, people will say the best way to set goals is to use the system in which you’re stating Specific, Measurable, Achieveable, Realistic goals with a Timeline. It’s meant to keep one ticking along on the road to success without burning out or slumping over in despair.

That’s totally valid. My goals, once I pick them, are general and then absolutely strategized within an millimeter of any possible parameters.

But I’m having a step before that.

In these weeks before I set goals, I’m spending some time setting Impossible Goals.  So named specifically so that it sounds completely unrealistic and totally removes the pressure from my tactical brain that cannot resist immediately analyzing how I have to make it happen.

This is the time to throw utterly preposterous and lofty goals into the air and count really fast as they come floating down, thinking all the while, what else can I do?  What else should I do? What else would I do?

If anything were a possibility – before reality strikes, dreaming a dream – what would I want to have done in that year?

Of course I started with money.  This morning I told Doggle, “Momma’s gonna increase our Net Worth by 100K.” He was blase.

I told him too, “Dad’s gonna get you a bigger bone if he gets a promotion.”  That? He perked up for. SMH. Priorities, Doggle. Mom’s goal gets you health care.

This is the year I get a promotion.
This is the year to shoot for, heck, 100K? Make that 150K NW increase. Be creative. Be really really really creative. (Legally.)
This is the year I hit the supplemental alternative employment route. I want a safety net in case either of us doesn’t love our jobs and career paths anymore, it doesn’t pay enough or we just need a fall back.
This is the year we set ourselves up for buying a home.
This is the year we set ourselves up for getting a second dog, or maybe figure out the kid thing.
Or maybe not.
This is the year I make a difference in someone’s life.
This is the year Doggle learns how to play with another dog.  (bwahhaha… he can barely process the toy thing. Ok ok, no mockery.)
This is the year I make progress toward a CFP.  And figure out what I’m going to do, really.

December 9, 2011

Married Life: A family budget and banking system

Once upon a time, I dreamed big for the future. Out of those dreams, I formulated a life plan wherein I’d be taking a professional health degree of some kind and a PhD, entering a white collar profession, and buying a home for myself and my parents (separate homes, mind) before the age of 30.  After 30 was a little hazy, but I figured plotting the next 23 years was good enough. Also, the juggle of two degrees and affording two homes was a tough enough nut to crack – I wasn’t ready to plot any more years.

This was before I knew the words “net worth” because, you know, seven years old, but you had better believe that the balance sheets did not include debt. I’d already been writing out the checks for the bills for my parents and knew how I wanted to set up my own budget when the time came.

You may notice, as my mother had, that I had made no provisions in those plans, for marriage or kids.  As far as I was concerned, it might happen, it might not, I wasn’t planning on it or depending on it and figured it wasn’t terribly relevant to the trajectory of my career and money. That was a pretty unsophisticated understanding of how life and marriage works. 

Clearly, I was bound and determined to have my own mind and at the time, that also meant keeping my own finances, separate and free. As the years passed, I saw too many bad choices made by one or another couple where there was a divide in the spender/saver continuum, even in my own family, or business decisions gone awry, especially in my own family, and I just couldn’t fathom living in that life. 

“If you live in a community property state, not combining finances is just lying to yourself about legalities.” @practicalwed

So once upon a time, I might have disagreed with Meg. Even though the only real example of marriage I had was the relatively healthy and supportive partnership my parents shared, I was still certain that I could keep separate finances in any prospective

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