Inertia…or action?

By Caitlin Kelly

IMG_20170912_211441175

Sidewalk closed, use other sidewalk…

 

From The New York Times:

Habits are powerful. We persist with many of them because we tend to give undue emphasis to the present. Trying something new can be painful: I might not like what I get and must forgo something I already enjoy. That cost is immediate, while any benefits — even if they are large — will be enjoyed in a future that feels abstract and distant. Yes, I want to know what else my favorite restaurant does well, but today I just want my favorite dish.

Overconfidence also holds us back. I am unduly certain in my guesses of what the alternatives will be like, even though I haven’t tried them.

Finally, many so-called choices are not really choices at all.

I finally hit bottom on two issues this week, and finally acted to try and deal with them, instead of just stewing and whining.

I live in a town north of New York City, whose main street is increasingly jammed with traffic, including 18-wheel trucks. Pedestrians have been struck and injured while in the crosswalks, which is illegal.

It’s getting worse and worse and worse.

The other day, I watched, enraged, as two drivers, in broad daylight, once more drove right through the crosswalk as I was crossing — and saw me looking right at them.

I gave them both the middle finger and went directly to the police station where I filed an official request for how many summons they issued in 2017 for this violation. (My guess? Fewer than a dozen.)

To my delighted surprise, the chief of police called me the next day and we discussed the 60 (!) summons they’d issued and how to potentially reduce the problem. I was so glad I’d done something.

I also called a friend in Canada to ask his advice and help potentially finding me and my husband full-time staff jobs there — because Canadian residents don’t have to pay for healthcare.

That alone would save us $2,000 every month.

I left Canada in 1988 and have no burning desire to re-patriate; we don’t want to sell our New York apartment and can’t rent it under co-op rules, which is a huge deterrent.

We love our town and region and would miss our life here.

I can return to Canada as a citizen, and we have yet to discover whether Jose has the right to live there with me, let alone work.

But we’re now so burdened with health insurance costs that are rising and rising and rising, and despite all our hard work, we feel increasingly frustrated and angry with our financial struggle.

We’re both full-time freelancers, living in a one bedroom apartment.

There’s no fat to cut.

 

Even if we choose to stay in New York, and we might, (and might have to), I already feel better for:

1) admitting these issues are driving me to my wits’ end rather than just bottling it up, as usual;

2) asking for help, which I’m always reluctant to do;

3) talking frankly with my husband about how badly this stress is affecting us individually and our marriage.

 

I was inspired by a New York Times column with the wise words:

 

Fury isn’t strategy

 

For me, 2018 is going to be a year of strategy and action.

 

How about you?

Living on next to nothing…while we shell out $6.2 billion to broke Walmart workers

By Caitlin Kelly

No travel...too expensive!
No travel…too expensive!

Have you lived in poverty?

A recent 150+ comment thread at, of all places, Apartment Therapy — a design blog usually devoted to featuring people’s fun, cool homes worldwide — offered a painful, insightful, timely conversation on how some of its readers survive(d) on low or minimum wage jobs.

A few of them:

Charities can only do so much for people, and frankly, when I was living below the poverty line, I chose not to take advantage of a lot of those programs, even though I likely could have, because there were other people who needed it more than I did, and I was getting by, if only just. I was lucky to have no car payment, and a car that was in good condition so the maintenance costs were relatively low. I did, however, end up with pneumonia, because although I had health insurance (I was paying out of pocket for it) I couldn’t afford the copay to go to the doctor and get my Prevacid (not OTC at the time) and as a result I got sick, because untreated acid reflux can do that to you.


 

Even though I pared down to the absolute bare minimum and had a roommate, I was constantly worrying about my car (but couldn’t manage without it), and paying for food, heat, and health care. Any time I got a few dollars ahead, I had some money-sucking but necessary expense. Living on the edge of poverty wore me out. The kicker was that making minimum wage, I made too much to get food stamps and other “help for the poor”. (Adults with children could get help, and adults with disabilities, but the thinking was that if you could work, you didn’t need “hand-outs”.)


For many years, I made more than enough money so I could comfortably afford a house, buy food & necessities, invest and have some fun, too. Approximately two years ago, my position was eliminated from a very reputable company in the area where I live. I can say that I have never fully “recovered”, financially and emotionally speaking. I’ve run the gamut from tearing through my 401k, applying for assistance, working my share of odd jobs and asking family for help. I’ve been forced to learn a new way of living and the bottom line is that living on minimum wage is DIFFICULT…period. Navigating assistance applications can be daunting and because of my assets (owning a home-by some miracle-still) it just wasn’t happening. I can tell you that I have learned to live simpler, though, w/less trips to the clothing store, no more manicures/pedicures every two weeks, etc. Is it such a bad thing? Not really, but “living simpler” ends up going hand in hand with “what do I do now” in reference to the next utility bill, grocery bill, financial emergency, etc. I do believe the sad thing is that individuals that “do the right thing” such as going to school, working hard, etc can still find themselves in this situation. It constantly makes me think “what did I do wrong” and “what do I do now?”

Having lived in five countries — my native Canada, Mexico, France, England and the U.S. (since 1988) — I’m never clear why Americans, some of whom protest that they have “played by the rules,” are so stunned to find their laissez-faire capitalist system has turned against them.

The rules are not made for their benefit!

People who sneer at the idea of accepting (or asking for) government assistance may never have struggled in utter desperation, saddled by illness, disability, injury and/or the collapse of their industry. And many people can never hope for a penny from their friends or relatives.

You can’t bootstrap without bootstraps.

Nor why some of them feel ashamed even asking for help when they have done everything possible to help themselves.

According to this National Geographic story, (August 2014), a staggering six percent of Americans are now “food insecure” and the number of those needing help paying for this food in the suburbs has doubled; here is a radio interview with the author, Tracie McMillan.

While some people can move in with a friend or relative, many don’t have that option and have to figure it out on their own. New York pays a maximum of $410/week in in unemployment benefits, taxable income. Yet in New York City, very few people of any age can find housing for less than $1,000/month. Do the math!

If you’re young, highly-educated, willing to move anywhere a job requires it, in excellent health and flexible — you’ll probably survive. But every one of those categories can shift, as does the labor market and the larger economy.

Nicaragua -- the second-poorest nation after Haiti -- where annual income is $1,080
Nicaragua — the second-poorest nation after Haiti — where annual income is $1,080

I struggled financially for all four years of university, even though my annual tuition was only $600/year. I was living on $350/month and the rent on my studio apartment was $160. I still had to pay for food, phone, books, public transportation, dental work, clothing, etc. My family had too much money for me to get student aid, yet were uninterested in helping me.

So I started selling my photos and writing freelance at the end of my sophomore year — and missed a lot of classes and other cute/fun college activities — in order to bring in additional income. My GPA is a bad joke, one reason I’ve never even considered graduate education. I had to survive!

images-3

Luckily, I was able to feed, house, clothe and educate myself. I can still tell you exactly what was in my wardrobe during those years as there was so little of it. I lived in a rough neighborhood until I was attacked in my apartment and moved.

I never, ever want to feel that anxious about money again.

Low-wage or minimum-wage work offers wages so low and hours so few that some workers have to go on food stamps.

Walmart, reports Forbes, cost us $6.2 billion in public assistance to its struggling staff. They “can’t afford” to pay better, so it’s up to us to bail out a for-profit corporation. Don’t you love the irony of corporate welfare?

Have you struggled to survive financially? Are you now? How are you managing?