When I moved to my current city, starting a new job in a new place at the same time that all my student loan payments had to begin, I was in dire financial straights. I hadn’t earned enough money in the six months between graduation and that move to have any kind of cushion to fall back on (all my work during those months was at ten dollars an hour which was enough to live off, but not enough to start any kind of savings or financial safety net) so I had to put the entire move on a credit card. It wasn’t that bad since I was living pretty light, tossed out the couch I had up to that point, and had a large Jeep I could hook a trailer up to instead of needing a full moving truck. Still, between that, groceries, gas, and the constant needs of living in a new place while waiting a month for my first paycheck (my job paid monthly), I racked up enough credit card debt that it made me uncomfortable.
Continue readingDebt
Rest May Be Productive (And Healthy), But I Earn Nothing Doing It
Over the past few years, I’ve observed a pattern in the way that I work and rest. Well, I’ve noticed a lot of patterns, but there is one in particular that I’ve been exploring more explicitly lately and want to write about today. When I have a lot to do and I’m either too stressed to do it or know I’ll need some extra time to get everything done, I take Fridays off of work. Even if it isn’t a personal vacation day but a federal holiday in the US, Friday days-off are always for being productive, getting things done, and making sure I’m prepared for whatever work needs doing. If I need to rest, if I need to actually recuperate, recover, and relax, I need a Monday without work. Mondays aren’t for rest in the same way that Fridays are for productivity, but they mean that I can spend my normal resting day (Sunday) without worrying about being ready for work the next day or combatting the urge to be productive.
Continue readingRambling About Stress, Student Debt, and The New Year
Well, it’s the new year. Officially and completely. Both as I’m writing this and as it goes up. I am definitely not past writing the wrong year, yet. I rarely write the year on anything other than journal entries and I’ve been too busy to spend time sitting around journaling. Which isn’t technically true, I suppose, since I had time for other sitting around. I haven’t chosen to spend time journaling yet, is more accurate. And my blog schedule is a bit off kilter since I took a few days off for the holidays and this past work week is unusual, so I will be low on energy and might miss a few more days. In truth, I have no idea when this will go up, since I’m not sure how many blog posts I’ll get done and how I’ll sort them all out. Or what days I might decide to skip.
Continue readingThis Capitalist Hellscape
There are days where I consider getting an extra job. I have full-time work with the opportunity for overtime, but there’s not always work to do there and sometimes you just hit the point where you’ve been bashing your head against something for so long you can’t really do any more. A second job would have to be something mindless, something maybe physically taxing but not mentally taxing, since my current day-job takes pretty much all the mental energy I’ve got. Unfortunately, that would mean losing pretty much all of my writing time and energy.
Continue readingSaturday Morning Musing
You know what I’d love to do? I’d love to take a month off from work and all obligations so I could stock up on groceries and hide away in a cozy cabin on the side of a mountain somewhere. Set myself up with no obligations, no social media, and no schedule so I can just live for a month. Eat when I’m hungry, sleep when I’m tired, and just let my life drift into some kind of equilibrium. Rest up from the exhaustion of worrying about money, about my job, and all the anxieties of living in the modern world so I can figure out how much of my constant exhaustion is me wearing myself out with constantly working on stuff or not getting enough sleep and how much is from trying to cope in a world that seems to always be somewhat offset from my natural pace.
I’m currently promising myself that, once I’ve eliminated all of my debt, I’m going to take that vacation. It’s still a few years off, yet, but I feel like I’ve finally got a realistic grasp of how long it’ll take me. Back when I moved to Madison and had to deal with the prospect of paying back my student loans, I slapped a bunch of numbers together and figured I’d need about five years at my then salary to get everything paid off. That was untrue. I failed to account for taxes, the much higher cost of living in Madison, the fact that my minimum monthly loan payments would be mostly interest at first, and that I’d need a new car almost immediately on moving to Madison. Turns out that, even with about ten thousand dollars worth of raises over the three years I had that first job, I was just barely making ends meet (and spent a lot of time sliding into a decent a mount of credit card debt because I actually couldn’t afford to live at my initially salary once my car payments kicked in).
I’m in a better situation now, thanks to clearing up some of the debt, a much cheaper living situation, and the fact that I get paid for any overtime I work, now. I’m finally getting a good handle on my finances and get to enjoy the feeling of watching the numbers in my bank accounts go up until I dump it into a loan or something. Financial security feels nice, even if the forty-eight hour work weeks I need to do it leave me often at odds with my desire to rest more or try to get more writing done. An extra eight hours doesn’t sound like much until you’re cramming it into four days. I won’t deny I have it way better than people who need to work multiple jobs to make ends meet, but I wish we could all just do forty hours of work and not need to worry about money. That’d be really nice.
Ever since I left college, I’ve lived pretty much every day with the mantra of “pay off my loans and do whatever it is I have to do in order to maximize my long-term financial and personal health.” It’s a long mantra, but it’s important to stay focused on that specific goal. Being debt free isn’t going to be helpful at all if I’ve got stressed-induced health issues or I’m constantly sick from years of living in terrible situations and a horrible diet. I can’t spend my money frivolously, but that doesn’t mean I shouldn’t buy myself things to make me happy or that are perhaps a little more expensive. The whole point of having money beyond what I need to support the requirements of a (relatively) healthy life is to enrich my life. New foods, the occasional convenience, hobbies, and good causes. All of them are fair game because they’re usually things that inject some positivity into my life when I’m struggling. Which is usually when I’m making a decision that’s the right choice in the long-term but means being upset or suffering or being majorly put out right now.
It’s kind of interesting to know you’re making the right choice and still feel miserable. Whenever I fall into a pit of self-pity, this is usually my focus. Thankfully, it isn’t as often as it used to be. Still, though, it can be really easy to get focused on how my life is nothing but an endless string of decisions made to maximize my future potential for success or happiness or whatever in exchange for present-day discomfort or negative feelings. If I didn’t allow myself some hobbies and the occasional bit of short-term happiness, I’d probably struggle with it more. Nowadays, I actually make sure to spend my personal interests budget every month, usually on a new game or going to the movies. I used to tell myself I had to make one dumb but fun decision every month, but it usually wound up being something along the lines of staying up all night playing video games. Now I just stay up all night writing or watching the stars, often more frequently than once a month.
The original intent was to get myself to move outside of my comfort zone a little more, to do something relatively harmless that would encourage the kind of impulsive joy I used to occasionally indulge in when I was still a college student. Stuff like random all-nighters at the library with my friends, drinks before writing a paper, getting the gang together for an all-day D&D session, going to a bar and flirting with a random stranger while we both watched the Lord of the Rings marathon that was on the TV. You know, normal stuff. It’s just a lot harder to swing once you’re out of college because the bars feel louder and you can’t always just stagger back to your room if you drink too much. The college libraries don’t really like being filled with non-students and you’re probably not going to run into anyone you know anyway. Walking into a random bar and flirting with a stranger still works, but you generally don’t get to do it until the bars are too noisy to hold a conversation and my conversation skills are 99% of my ability to flirt.
It’s kinda difficult to be impulsive and thrill-seeking when that mostly means buying a tube of cookie dough and eating it with a spoon. Life as an adult is weird, sometimes. Or maybe it’s just my life that’s weird.
What A Headache
Ed woke with his head throbbing in pain. Someone was banging on something, but he couldn’t tell where it was coming from, so he looked for the source.
His shelves held their usual dusty allotment of trophies and books. His dresser was covered in dirty clothes and the TV on it was showing the logo of his DVD player, as it always did after he fell asleep watching it. His desk was covered in junk mail he hadn’t gotten around to shredding and a neat stack of bills he hadn’t paid yet.
Guilt picked at him, but he dismissed it. He already tried to get extensions and they’d work it out eventually. It’s not like he had much they could take.
The banging hadn’t gone away, so Ed climbed to his feet to go looking for it. When he stood up, his foot caught on something. As he turned to look, his door burst open and his roommate flew in.
“Dammit, Ed!”
Ed winced. “Even if I don’t have rent yet, that’s no reason to break down my door.”
Matthew dashed past him and Ed turned around to see Matthew start giving CPR to someone. A wave of shock swept through him as he realized Matthew was giving CPR to him, but it quickly passed.
Ed watched, curious despite himself, and unable to muster up more than vague apprehension about Matthew’s attempts to save his life. After a minute, Matthew’s screams for an ambulance and demands that Ed stay faded to grunts. A few minutes later, when the EMTs arrived, Ed realized what had happened.
“Sleep apnea.” Ed shook his head. “I really should have gotten that checked out.” Ed drifted towards the window to watch his body get hauled away. “At least I don’t have to pay my bills.”
Saturday Morning Musing
Being broke sucks. After the Christmas season and its associated commercialism has ended, I am forced to take stock of my financial state in preparation for filing my taxes. This year, as a result of a higher-than-average monthly expense accounting, I’ve been forced to make a strict budget. Having a girlfriend is great, for sure, but it makes me significantly more inclined to spend money on things I otherwise wouldn’t such as trips to other cities to meet new people or a bouquet of cooking utensils my significant other wants but doesn’t have. Which is a great gift idea, by the way. Flowers aren’t the only thing you can wrap in tissue paper and present to your significant other on special occasions.
I’ve stuck to a budget before and I keep pretty good track of my finances, so this is nothing new. It is an added layer of stress and anxiety, though, to have to update and track every single number to the cent rather than going with my “soft budget” that I’ve been using since I changed jobs. My student debt (and the credit card debt I occasionally accrue because I’ve got no answer to sudden expenses that aren’t covered by insurance) gets me wound up when I start thinking about how much I still owe after having paid as much as I have, so I try to avoid thinking about my finances in any kind of exact terms when I can. Even though I know my debt total has gone down since last year, it is still easier for me to think about last year’s inaccurate number than about what today’s accurate number would be. I know it isn’t a very good idea to ignore financial situations like this, but I’ve got my finances set up so I only need to review the hard numbers of my debt once a year, when I do my taxes. When I do, I spend some time looking into solutions to better my financial footing like refinancing options and consolidation, so it isn’t like I’m ignoring my problems entirely.
My dreams for the future, in financial terms, are pretty simple. I just want to be able to live modestly without needing to worry about money like I do now. I want to have enough set aside to absorb sudden expenses without needing to rely on credit cards. I want to be able afford a nice place to live and to have enough space to welcome people into my home semi-frequently. I like to host my friends and our gatherings, and I love to feed people, so being able to afford that on a regular basis would be amazing. If I’m really aiming for the stars, I’d like to be able to put any potential progeny through college (assuming the current system is still in place) and have some money left over every year to travel somewhere new.
Ideally, I’d be able to live this lifestyle as a result of being a writer. I know it is possible, even if it does seem unlikely most days. One of my biggest barriers to writing consistently is how upset I can get when I spend a weekend writing and then have to go back to work on Monday morning. I’d be so happy writing full-time. I’d be willing to sacrifice a certain amount of my financial dreams to achieve that, but not much. Writing is fun, but I can still do that even if I’m working a day job to provide myself with financial stability.
Budgeting, though stressful, can make your financial life a lot easier. I may not enjoy thinking about it, but having concrete terms for my spending makes it easier to see the impact a change in my spending habits can have on my bank account. While paying off my car loan by the end of the summer seemed like a bit of a pipe dream when I thought of it last month, my budgeting has told me that it is possible as long as I toss my whole tax return in as well. As much as I’d like a new mattress, I’m pretty sure that I’ll sleep better with all that extra money in my budget. For paying off other loans, of course. The best loan repayment plans depend on that snowball effect.
Though I might just let it hang out for a little bit, make a few friends in my bank account, and then get blow it all on something to replace my 4.5-year-old, $300 queen mattress that has a giant sag down the middle. Springs, I tell ya… Not so springy anymore.
A Day in the Life of a Twenty-Something
You wake up at a variety of times on any given day, but you went to bed early yesterday and slept until 9. With over 9 hours of sleep, you feel more refreshed and ready than you’ve felt in weeks. Your back kind of aches, but you know it’s a sign that you slept well and it’ll eventually disappear when you can afford a new mattress. Specifically, a mattress that wasn’t bought of the cheap end of the discount rack. Content that your morning will be quiet, you grab you phone off of your nightstand and review the notifications.
A few texts from your friends who wake up early or stay up late, the usual plethora of social media updates, and a message from your parents about Christmas plans are all that great you. No application updates happened over night and none of your passive games have anything to report. You set your phone aside for a moment to rub your eyes and turn on your lamp. After you eyes have lost some of their crusty feeling, you open the social media account of your choice, looking for updates from friends or the latest news on your interests.
Instead, all you can find is people screaming out about the latest tragedy perpetrated by your government. Maybe there’s some news about the latest disaster to happen exactly as the protesters predicted it would and the corporations swore it wouldn’t. Perhaps there is some heartening news about the investigations into corruption at the highest levels of your government, but that is almost always tempered by the commentary from a few trusted analysts that there has been solid enough evidence to prosecute for months now and the ruling party has so far refused to do so. Instead, the heads of your government are intent on pushing laws through the legislative bodies without giving anyone a chance to read them or without even fully understanding them. Gone are the days of your childhood, when it seemed like everyone worked together to do the right thing. The stories your parents told you of sensibility, logic, and justice ruling at the end of the day are no longer relevant. Now, everything is “us or them” and no one is willing to reach across the aisle to actually try to understand.
You close your social media application without ever looking up your friends or for developments in your hobbies or interests. Instead, you put your phone aside and open a book, play a video game, or fire up Netflix. You disengage not because you don’t care, but because you care and there’s too much for you to care about. Ten minutes of browsing has left you almost as tired as you were the night before. At least you managed to avoid finding any articles written by previous generations about how your generation has ruined the country or will soon ruin it. That much irony in the morning isn’t good for anyone’s health.
After a suitable amount of time, you finally haul yourself to your feet and start getting ready for the day. Some kind of food is consumed, nothing terribly interesting but enough to keep your body functioning, and the usual hygiene routines are observed. Perhaps a little more quickly than you would like, but water is a finite resource and not free. Neither is the electricity used to heat your water or power your stove. After you’ve finished the more pleasant parts of your day, you clench your jaw and make yourself attend to your bills. It is early in the month, and most of them come due over the next two weeks, carefully staggered so you can make sure they all post to your account before the next one is due. It wouldn’t be good to get overdrawn again. Once a year is more than enough.
Bills paid, almost happily because it means you’ve got more than enough money to pay them all sitting in your account, you start reviewing your Christmas gift list. You’d like to buy presents for a lot of people, but you’re not sure you can afford to. If you bought everything from Amazon, you probably could, but you just read an article the night before about how the warehouse employees are collapsing on the job and that the CEO finally passed the 100 billions net-worth mark. The idea of that much difference between the people who actually do the work for a company and the person who sits on the top of the human pyramid sickens you.
You still buy several gifts from Amazon, though, as you go about acquiring Christmas presents. There’s just nowhere else that can get them to you in time, much less actually has what you want. Most places that might have been able to do that at one point have buckled under Amazon’s greater financial weight. Just like the local post office that’s been marking packages as delivered because they don’t have the staff to deliver everything on Amazon’s promised day. They need to cheat so that they’re not penalized for failing to make good on the contracts their superiors have signed with the cross-industry giant that is Amazon.
Christmas attended to, you settle in for the remainder of your evening, alternating between reading, watching TV, or maybe attending to a creative project or two. Even though you’ve made effort to avoid it for just one day, the raging inferno of inequality and corruption has leaked into your life through your friends and through the constant awareness that you are a part of the industrial machine driving your country and your world toward ruin. The only way you could avoid being a part of it is by abandoning modern life entirely and taking up life as a sustenance farmer.
Unfortunately, you can’t do that, as appealing as it sounds at times. Your debt, accrued at the behest of your parents, older relatives, and role models, must be paid back. If it is not paid back by you, then it will burden your parents who, while much better off than you, are still trying to get their financial future back in order after the bubble burst last decade. You know what its like to feel the weight of that debt hanging around your neck, changing the way you make every decision. You wouldn’t wish it on anyone.
Instead, you eat a quiet dinner of something simple and filling, go back to your Netflix subscription and watch it until you feel sufficiently removed from your problems to go to bed. After preparing for bed, you lay back and feel the steel springs shift and twang as you stir beneath the covers. Eventually, you fall asleep after consoling yourself with the thought that maybe tomorrow will be better.