Regular readers will know I struggle with money. The first time I wrote about it was here. About three months ago, I came across a creative prompt suggesting inviting Money to dinner and seeing what happened. I wanted to engage with it. I didn’t want to engage with it. I didn’t delete the article. It’s been sitting in the bottom of my Inbox sneering at me all these weeks. Finally, I decided to play with it …
I’ve unwillingly invited Money to lunch. She suggested it three months ago because she wants to see my new house. I’ve avoided it, tried not to think about it, even forgotten about it for days at a time, allowing the layers of my life to gently cover it, but then it shows up again, a small piece of grit in my psyche.
Finally I’ve reached a point where I’m ready to get it over with. She’s not going to get tired of waiting for me. She wants to see my new home, and she wants to have lunch. I can’t deal with the silent demand and the weight of her expectations any longer.
After all, it’s only a lunch, right? Two hours at the most.
Having made up my mind, I decide what will work best for me. I feel resentful, railroaded into doing something I don’t want to do. Why can’t I just say no and feel okay about it? Why do I feel I have to do this? I hate the feeling of being pushed, being badgered, being emotionally manipulated. Most of all, I hate how much I care about what she thinks. I hate my fear of her judgement.
Photo by Gemma Evans on Unsplash
I don’t want to do this. I really, really don’t want to do this.
But I feel I have to. I can’t possibly tell the truth. It’s lunch, for God’s sake. Why do I make such a big drama out of everything? What’s with the dread? Why can’t I just be a normal person, get it over with?
I eat alone, so my round, glass-topped table is small and there’s only one chair. I’ll bring another chair in. Which would be most comfortable for Money? She’s a small person. The second chair is an antique, but it’s not as sturdy or large as the one I always sit in. Would it be a subtle compliment to give her that chair, or is it too old-fashioned to be comfortable and welcoming?
I can’t put flowers on the table because the cats will destroy them.
I have cloth napkins that match the tablecloth I’m using; that’s good. That looks nice.
My kitchen, where the table is, needs work. We haven’t been in this house long. The kitchen is outdated and battered, the formica countertops stained and pitted. The stainless steel sink has old drips of paint in it I can’t scrub away and haven’t taken the time to tackle more resolutely. The refrigerator is too big and partially blocks the pocket door into the bathroom. The litterboxes are tucked under a bench along one wall near the door leading to the entry; I don’t yet have a good place to set up the cats. Their food and water are on a boot tray on the floor in the kitchen. The floor is lovely old pine with wide boards, scratched, scarred, stained.
I try and fail to see my home, my kitchen, my kitchen table, through another’s eyes. It so clearly needs work, but, to my shame, I don’t have the money to get the work done. I may never have the money to get the work done. Yet I’m grateful to have a roof over my head, and this lovely old house as a refuge from the world. I love it. I don’t want to have to defend it or feel ashamed I can’t give it the care it needs right now. It’s clean, at least.
New Home, May 2022
Since this invitation was not my idea, and Money is not a friend, I don’t feel I must make a meal. I basically eat meat and high-quality animal fat. I don’t have the time, skill, or money to make an elaborate meal. I’m afraid to make something simple, like a big beef stew. Whatever I do, I’ll feel it’s not good enough. We agree, Money and I, to get a to-go order from a local restaurant. That way, if she’s disappointed, it’s got nothing to do with me. I make sure to insist I pay for my own order. I don’t want any favors from her.
I know the cats are going to be on the kitchen counter, in the sink, walking across the stovetop. It’s what they do. There’s no way to keep them off the counters. Believe me, I’ve tried it all. One of them will probably choose the time we’re sitting a few feet away to have a big, stinky BM in one of the litter boxes with lots of noisy scraping and covering while we’re eating. Then they’ll jump out, scattering litter across the floor, come into the living room adjacent to the kitchen, and scoot their dirty bottom across the carpet and try to cover that. I’m mortified, just thinking about it. Do I pretend it’s not happening, like when you’re talking to a cute guy and your leashed dog squats to take a dump? Do I get up from the meal, scoop out the litter box, spray the scoot mark with stain remover and sponge it away while it’s still fresh and visible? I can keep them off the table, at least, while we’re sitting there eating. But there might be cat hairs.
Who am I kidding? There will definitely be cat hairs.
What will we talk about? That one is not so hard. I’m good at drawing people out. Most people love talking about themselves. A few good questions can get the ball rolling and I can stay safely concealed.
When Money arrives, I greet her at the door, hoping she doesn’t notice the rotted sill and threshold, the damaged door frame, and the fact that the outside door has gaps underneath it large enough to admit a squirrel in search of winter housing. I take her through the lovely, shabby, wood-lined sun porch, another door that has clearly been kicked in at some point, and into a narrow little hallway leading to the kitchen door. Everything is clean, swept, mopped, scrubbed. I give Money the tour of my living space. The cats come to investigate. (Does Money even like cats? I don’t know. I don’t want to know in case the answer is no. If she doesn’t like cats, one is sure to jump in her lap.)
Izzy & Ozzy; Fall, 2020
Money has picked up our order. I gather cutlery, plates, glasses. We sit down to eat. I am nervous, tense. The last thing I want to do is eat, but I do. I ask a couple of questions to get her talking and we chat in between bites. I wait for the curled lip, the sneer hidden within polite words, the fleeting contemptuous expression on Money’s face I know will be coming.
Money’s fingernails are unpainted. She’s wearing plain gold hoops in her ears. She’s dressed in unmatched leggings and a sweater. No makeup. I realize I expected something quite different …
And then my flow dried up and I came to a sudden stop, realizing I expected, in fact, my late maternal grandmother, who was always made up, bejeweled, well-coiffed, and wore little designer or custom-tailored (in Hong Kong) skirts and jackets and high heels. I expected her gold watch, expensive perfume, perfect manicure, and big, heavy rings. I expected her vivacious social cocktail chatter (gold monogrammed cocktail napkins). I expected her small brown eyes to turn mean, to tell me to act like a lady, to use my napkin, to keep my knees together. I expected the Jekyll-and-Hyde experience of watching her flirt, even when well into her 80s, and smile, and bat her nearly denuded eyelashes, still thick with mascara, with every male in the room and then the sharp little knife buried in a smiling comment or an aside about my looks, my conversation, my choices, and my behavior.
Gram, as we called her, had money. A lot of it. She was widowed young, inheriting considerable wealth from my grandfather. When her daughter, my mother, was divorced with two young children, Gram financed the family. By which I mean she demanded invoices, receipts, and bills, and gave Mom just enough to cover things and no more. No allowance. No lump sum. Mom had to ask specifically for every penny. Gram made her grovel. It was an exercise in humiliation. When Gram came to visit she hounded Mom about her marriage (Gram hated my father), her divorce, her stupidity and bad judgement. Mom went back to school to get a degree in order to get a job and support her children. We became latch key kids. I was assigned to care for my younger brother; we both were assigned to care for the animals, though the horses were sold during the divorce, taking the core of Mom’s happiness with them and leaving only bitterness and grief behind.
Photo by Hailey Kean on Unsplash
Every night, after I went to bed, I listened to Mom cry while she sat at her desk in her bedroom down the hall and dealt with the bills and finances or did coursework. I was often hungry because I felt guilty about eating food Mom would have to ask Gram to help pay for. I was 11 years old. Yet Mom remained loyal, thanking Gram for her grudging support, telling everyone how lucky we were to have her mother, who loved us, to help out. I don’t think she dared do anything else. Mom cared for her mother until the end of her life, when she died in a nursing home in her 90s.
Only one time did Mom break down in front me. “I’ve never pleased that woman one single day in my life,” she sobbed. It was true. She didn’t. And she tried every single damn day. I never pleased Gram a day in my life, either, but I didn’t try. I did not love my grandmother.
That moment of truth was never referred to again. By either of us. I’m sure, had I tried to talk about it later, Mom would have denied saying it. The world, especially her male relatives, saw Gram as charming, entertaining, gregarious, and generous. She could be all those things. But could also be abusive, toxic, selfish, and manipulative. She became (I discover), in my mind, the face and personification of Money. Money weaponized. Money withheld. Money rather than love or true connection. Money as a tool for power, control, and shame.
Every dollar of “help” Gram gave us was, as far as I was concerned, soaked in Mom’s blood and tears.
So, I’ve had a difficult relationship with money. Surprise, surprise. This exercise revealed to me the roots of my self-sabotage and conflicted feelings about “success,” which in my family meant plenty of money. In many ways I feel very successful, but I’ve always struggled financially. The work I’ve done and loved (being a librarian (yes, I have a degree); working with animals, children, the elderly; teaching swimming; lifeguarding; working in the public school system; working in hospitals; storytelling; and medical transcription) are not high-paying jobs in terms of money. The work of my heart, writing, has so far not earned me a single penny. All this contribution, all this creativity, all this love and care for animals and people and books, doesn’t count and is a matter of shame because I haven’t made much money. How sad and messed up is that?
My car is falling to pieces. My house needs work. I buy clothes at thrift stores. I’m a minimalist. I could use more money. I hate to admit it, but it’s true. It would help. A lot. But it wouldn’t fix everything I struggle with in life. I’m clear about that, too. And money is not love or success. Money is a tool, one I’ve mostly refused to consider learning to use. So I haven’t. What’s the point? I don’t have any! I’ll never have any. I don’t want Money to come to lunch because it’s wrong to need it and I do. I’m certain I don’t deserve it, because I’ve failed the family expectations, but I need it. Convoluted. Tricky. My personification of money in this exercise exposes a lifetime of shame about needing money, or any other sort of support or resource, to be honest. Which is ridiculous. Because the less money I have, the more I need it. And the more ashamed I feel. And so on.
At the same time, I’m proud of my contributions to the world. I’ve loved all the jobs I’ve had. I like to work. I like to volunteer. I have no plans to retire. I’ve been richly rewarded for my service in far more important and meaningful ways than monetarily. I’m proud of my self-sufficiency.
But those things won’t pay down the equity loan or fix the car. They won’t pay my bills.
Maybe I’ve never clearly seen Money at all, because I can’t look past my grandmother. Maybe Money doesn’t wear her face, but another I’ve never glimpsed. Maybe it’s time to grow up and out of that old anger and rejection of anything Gram stood for …
So this is the story of when Money came to lunch.
If you imagine an issue or feeling you struggle with as a person, what would that look like? What issue or feeling would you start with?
What feelings are attached to your experience of money?
How do you define success?
What contribution are you most proud of? Is it the one that made the most money?
Leave a comment below!
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I’ve written in detail about boundaries before. I’ve spent a lot of time on the concept because boundaries were a key piece of healthy functioning I never understood or had before I was 50, and that lack caused constant problems and stress in my life.
This week I came across some questions about budgeting from Seth Godin that really caught my eye and started me thinking about boundaries again. Budgeting is much in my mind as we transition into our new house, new systems, and a new routine for everything from cleaning out the cat boxes to paying the bills.
A budget, in essence, is a boundary. I never thought of it that way before, but a budget is a framework we agree to stay within as we manage the resource of money. Boundaries are not specific to money, and three of the questions Godin proposed can be applied widely:
Are you able to understand yourself and your needs well enough to put boundaries around them? If you don’t, are you aware enough to know what you need to learn so you can?
Are you willing to be on the hook for managing your life so you don’t exceed your resource (time, energy, money, etc.)?
Can you embrace the imperfect nature of life and plans as you lean into boundaries and flex when appropriate?
Godin comes at this as a businessman, but the idea of budgeting (effectively managing financial resource) can be expanded to include any resource.
It strikes me budgeting is adulting. It requires a clear picture of expenditure and income, the ability to think ahead, the humility to acknowledge what we don’t know and need to learn. Whether we’re trying to shape a more effective life or remodel a bathroom, the process is the same. What’s not working? What are the needs? What are our options for change? What will the project cost in terms of resource over a period of time? What do we need in terms of resource for learning what we don’t know? Are we investing our resource wisely? What’s the starting point?
(This circles back around to showing our work, the subject of last week’s post.)
If we can’t dig into these questions, we can’t become a professional adult.
Budgeting also requires responsibility. Are we willing to be on the hook? Are we willing to make written commitments to ourselves and others? Are we willing to build in consequences for failing to meet our commitments, both to ourselves and others?
Lastly, perfectionism is not resilient. Plans, budgets, and boundaries are frameworks. They support us in meeting our goals and functioning effectively and appropriately. While we’re making plans and drawing up spreadsheets, however, life happens. Pandemics happen. Economic changes come and go. New technology comes onto the market. We often need to flex, consider new information, accommodate change, deal with delay and unexpected events.
None of those inevitabilities are excuses for abdicating from creating boundaries. If we care enough to take charge of our own lives or dive into a project, clarity and boundaries are essential, including a budget. It’s not good enough to fly by the seat of our pants, to say contractors won’t work within a budget anyway, or budgeting ruins the fun, or we’re unwilling to compromise in order to maintain our boundaries.
If we won’t take responsibility for our endeavors, why should contractors or anyone else? If we can’t manage boundaries around our lives and resource, why should anyone else respect our needs? If we won’t do the up-front planning and work and communicate it clearly to those we’re engaged with, how can we expect to meet our goals?
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Moving into a new house invariably results in needing skilled tradesmen like plumbers and electricians. Such people are not easy to find, especially in a small city. Obviously, one wants someone who is skilled, but I’ve also been reminded how important it is to find someone who runs an effective business. Liking and appreciating people who do work for us and being pleased with the work done doesn’t balance out lack of written bids, receipts, invoices, contracts, etc. I can’t budget if I don’t have good information. I can’t plan payments. Flying by the seat of one’s pants is not good business. It leaves both customer and service provider in the dark. Fortunately, I keep good notes and records, but there’s a big difference between a handwritten (by me) list of dates and amounts paid (Labor? Equipment? Was this the outside faucet or the leaking sink? How much more will I owe? When is the final total due?) and a professional invoice indicating costs for equipment, labor, the work that was done, and payment status.
Budgeting and boundaries. What an odd couple. Recognizing budgeting as a boundary makes me determined to embrace it, no matter how uncomfortable it is. I know all too well the result of having poor boundaries.
A frequent conversation among my coworkers at our rehab pool facility, as well as our mostly middle-aged and older patrons and patients, has to do with the unexpected places life takes us. How did we get here from there?
Photo by yatharth roy vibhakar on Unsplash
For some this is a bittersweet question, for others an amusing one, and for others a bewildered or even despairing one. Whatever our current reality is, none of us could have foreseen or imagined it when we were young adults.
We can all talk about dreams we’ve had, intentions, hopes, and choices we’ve made in pursuit of the life we imagined we wanted, but life itself is always a wild card. It picks us up by the scruff of our neck, sweeps us away, and casts us onto strange shores.
As I age and practice minimalism, I realize keeping my dreams flexible has never been more important. My dreams, along with everything else, change. What I longed for as a young woman is not what I want now. What I needed in midlife is not what I want as I approach my 60s. Some things I’ve thought of as merely desirable are now essential, and other things I thought I needed no longer seem important.
In some ways I like dancing with change, my own as well as external circumstances. It feels dynamic and healthy. Resilience and adaptation are strong life skills.
In other ways it’s hard, the way my needs and I change. Often, I feel my own natural change and growth are hurtful to others. I try to hold them back. I try to stop myself, make myself quiet and small so no one will be upset, including me!
In the end, though, there’s something in me that’s wild, and sure, and deeply rooted in the rightness of change. It can’t be silenced or stifled, and there’s no peace for me until I begin living true to myself once again, no matter the cost.
The costs are very high. The personal costs of living authentically have been catastrophic for me. Sometimes I feel I’ve paid with everything I ever valued.
And yet the power of living authentically, the peace of it, the satisfaction of shaping a life that really works and makes me happy … How much is too much to sacrifice for that?
For a long time, I’ve thought about balance. Financial balance. Work-life balance, which is a term so nonspecific as to be useless. Balancing time. Balancing socialization and solitude. Balancing sitting and writing with physical activity. The complex balance of give and take in relationships. Balancing needs and power.
Minimalism is about balance. Achieving a simple life demands balance, something hard to find in an overcrowded life. Practicing simplicity and working toward balance take mindfulness, which is a difficult skill to hone in our loud, distracting, manipulative and addictive consumer culture. There’s a lot of social pressure to want more and bigger, to hang on tightly to our things.
But I want less. I want less stuff, less expense, less noise (visual and otherwise), less maintenance, less complication. I want less because I want more. I want more peace, more beauty, more sustainability, more time for loved ones and the activities that are most important to me. Gardening. Animals. Walking. Writing. Playing. Spiritual practice.
I don’t want more than I need. I don’t need more than I can use, enjoy, take care of, or pay for.
I do want to accommodate change, my own, and changing circumstances around me. The simpler and easier my life is, the more space I have to welcome my own aging and wherever my life journey takes me next. I don’t make myself crazy trying to anticipate all the future possibilities, but I want to know I can live well with the resource I have and build reserves for whatever the future brings.
Ironically, it often takes resource to go from more to less. Financial resource. Time and energy resource. It takes sacrifice, in the sense of being willing to give up things valued for the sake of things even more valuable and worthy. In its own way, moving in the direction of living simply is as much work and emotional cost as the endless treadmill of more. It does have an end point, though, whereas more is never satisfied.
Last week I read a post from Joel Tefft titled ‘Abandon, Embrace‘. He suggests daily journaling (which I also highly recommend) using the writing prompts: Today I abandon ___ and today I embrace ___. This is balance in action. What is not helping? What is most important? Abandon something in order to make space for something better.
Deciding what kind of a life we want to live and working to create it is a difficult process of choice. It’s difficult because it can be so hard to tell the truth about our needs and feelings. Sometimes we have to give up on cherished dreams and hopes, come to terms with our current limitations. Our choices can affect others in hurtful ways. Sacrifice is not easy. Managing our feelings is not easy.
Choosing, as I’ve said before, involves consequences we can’t always control.
But to make choices, especially difficult ones, is to be standing in our power, as is creating an authentic life that allows us to grow deep roots and be the best and happiest we can be, for ourselves, for our loved ones, and for the world.
Fear. It’s so mundane. It’s so extremely powerful. It’s such an extraordinary tool for manipulation.
Rhone asserts faith is frequently more powerful than facts. I might have doubted this once, but after the last four and a half years I agree. We continue to play out the conflict between those who are fact- and science-based and those who are not, especially in social media, steadily becoming more divided and disconnected as each side polarizes further.
We are evolved to experience feelings, and fear in particular is an important evolutionary advantage.
I think of faith as a spiritual connection, and we’re evolved, as social, conscious beings, to connect. Connection is a primary human need.
It seems to me a balance of faith, fear, and facts is optimal for navigating through life.
Where does the balance go wrong?
It goes wrong when we deify a misinformed or dishonest person. When we misplace our faith, in other words. We accept someone’s version of reality, their ideology, their beliefs, without question. Sometimes we do it because we believe they have power we need. Sometimes we do it out of fear. Sometimes we do it because we have no self-confidence; we feel powerless to think and learn for ourselves.
The balance goes wrong if we fear our fear and are unable to manage it. Fear becomes so consuming we’ll do anything for relief, including refuse to deal with facts that scare us.
So we develop faith in something – anything – that makes us feel better and relieves our fear.
Perhaps our problem is not literacy, or education, or access to resource, or discerning fact from fantasy, but simply our inability to cope with fear.
During my lifetime, I’ve watched our culture become increasingly inauthentic as we consumers demand more and better ways to live in a fantasy world. Role playing games, superhero movies, digital image manipulation, porn, virtual reality tech and special effects allow us to sink into illusion.
Over Memorial Day weekend I did an experiment. I installed a free hidden objects game on my laptop to see what it was like.
It was a big file and took several minutes to download. When I opened it, it covered my whole screen, corner to corner. I couldn’t see my task bar or clock. There was no obvious way to exit; I used the Escape button. The graphics were colorful, animated, attractive, and interesting. A pop-up suggested I use headphones to fully experience the sound. Constant pop-ups urged me to join social media communities playing the game. Constant pop-ups advertised other games (paid) I could play, or pressured me to purchase tools and tokens that would make me a better, faster, more successful player in the “free” game I downloaded.
Free, yes. Want to compete successfully? Want to win? Now you have to buy things!
By the way, if you play every day you get extra points!
The game was cluttered. It provided constant validation and reinforcement. The characters were good-looking, well-dressed and Caucasian. Beautiful food and drink, jewels, and true love were heavily emphasized. One collects points and objects and advances in levels. You don’t have to search for what you need, though, if you’re feeling fatigued. You can simply buy what you need.
The puzzles were timed, of course, which made them a lot less fun for me. Although one plays alone, the competitive aspects were continually reinforced.
The reviews of the game say things like “Beautiful!” and “Addictive!”
Because, you know, addiction is a good thing.
I played for a couple of hours. During those hours I didn’t invest in health, happiness, resource , resilience, or my own power. I wasn’t present in the real world.
I also didn’t think about climate change, politics, my job, or getting the car into the shop for brake work.
My feelings were numbed. I wasn’t afraid, but I wasn’t anything else, either.
When I exited the software, I felt as though I’d eaten a bag of jelly beans. I uninstalled the game Tuesday morning.
Have we become a culture that favors illusion over real life? Do we prefer fantasy, as long as it makes us feel “good,” entertains us, or distracts us? Do we prefer being led and manipulated to thinking for ourselves and forging our own paths?
I feel sad and scared after this experiment. If we don’t choose to live in the real world and deal with facts, we have no hope of solving the challenges and problems facing us, from maintaining our cars to managing climate change.
Fear helps us survive. The feeling tells us we must take action. If we refuse to feel fear, or respond to it, we will be deselected.
Facts can be inconvenient and unpleasant, but refusing to deal with them is like refusing to deal with fear. They don’t disappear if we deny them. Nothing can be solved or learned if we refuse to acknowledge facts.
Reality endures. Truth and clarity are powerful. Illusion lies. It might be seductive for a time. Illusion might pretend to be power. In the end, however, it’s empty. It only takes and weakens. It enslaves us, confuses us, and steals our power. It increases our fear while pretending to relieve it.
Faith is a choice about where we put our trust and confidence.
I love solitaire. I find it infinitely soothing. Of course, there’s a line between soothing and numbing, just as there is with any activity. As long as I mindfully use a game or two as a tool rather than being used by it, it’s one of my favorite wait-I-need-to-think-about-this or catch-my-breath techniques.
The thing about solitaire, whether we play the old-fashioned way with a deck of cards, or online, is that each game is different because we shuffle the cards.
We shuffle the cards.
We make choices as we play, so we have some control, but the shuffle is random. Always the same cards, but in different positions every time.
Sometimes we win. Sometimes the cards don’t fall right, or we make mistakes, or both, and we lose.
Each of my relationships is a card. My job-for-a-paycheck is one, and exercise, and sleeping, and eating. My Be Still Now time is a card. All the ordinary household tasks and activities of daily living have a card. My time is a card, and my energy another. Each piece of my life can be represented by a card.
When I don’t shuffle the deck, I keep laying out the cards in the same old way, in the same old order, and experiencing the same old frustrations and challenges.
Holistic decision-making demands a fresh look at what I’m trying to manage and why, as well as an assessment of my personal deck of cards, including priorities, resources, and sustainability. In looking at my life from an unaccustomed vantage point, through the filter of Allan Savory’s model, I see previously unconscious choices and patterns that are not in line with my current intentions.
The cards haven’t quite fallen right, or I’ve made mistakes, or both. My deck is too large and I need to discard, or too small and I need to add some cards. I’ve dealt less important cards on top of essential ones.
So I’m reshuffling my cards and exploring new layouts.
I can’t do everything. I want to. I think I should. I can’t.
Everything and everyone can’t be a priority. Some of my time and energy investments have provided little or no return. In some ways my life hasn’t been reflecting the truth of my heart.
So I’m reshuffling my cards.
I could refuse to reshuffle. Eventually, life will force a reshuffle, maybe in painful and unexpected ways. I could wait for that. On the other hand, I can face my fears, be willing to cut my losses, tell the truth (at least to myself), and let go of what’s no longer serving me.
I choose to reshuffle.
Not enough time/space/energy for what’s really important? Exhausted and overwhelmed?