Search This Blog

Monday, September 20, 2010

Happy Birthday to Me

Today I am 31. That means I am officially into my 30’s. Somehow, I was able to rationalize that 30 was kind of like the tail end of my 20’s, but once you roll over to 31, that changes everything. It’s funny that when I was a kid, 30 seemed so old. In my mind, 30 year-olds were people who were married. 30-year-olds had kids. 30-year-olds owned homes and had important jobs. Well, I guess with a husband and two kids, I’m half-way to what I thought I would be.
I used to think that by the time I reached my 30’s I would be a successful whatever with a nice house and the ability to take cool vacations at least every other year or so. The good news is that although I’m not by my 21-year-old standard of thinking a successful person, I am a happy person. I’m much happier than I ever was in my 20s and much more at ease with who I am and what life is throwing at me.
You see, I always used to think about life in terms of “when,” as in, “when I graduate from college, I can finally have a real job,” and “When I have a few years of this job under my belt, I can move on to a better job.” It’s like the old saying about how life is what happens when you are waiting for it to begin. It’s true. Looking back at the way I viewed my life 10 years ago, I certainly did not think I would be on foodstamps. But, I’m actually ok with that now, where as I would have been mortified by it back then.
The other day I ran into a girl I knew from high school. She is doing well and looked happy, but I asked her why she was no longer living in Atlanta. She said her husband got laid off, and they had to live with family for a while, but now he has a new job in their old home town and have just bought their first house. I was happy for them, but once again shocked to see how many people are losing their jobs these days. At least in this situation, things worked out for the best. I’m hoping that will be my situation in a few years too, but I’m no longer making the mistake of living my life in a way that postpones my happiness until I get to my “when.”
Our generation is going to be the first in a long time to have a lower standard of living than our parents did. But I think in many ways we are better equipped to deal with that. At least half the people I know are the children of divorce. Where you might think that would make those people adverse to marriage, you would be mistaken. The people I know whose parents had crappy marriages are working that much harder to make their marriages work. I think the same thing can be said in the case of poverty. Most of the people I know who are having to take on crappy jobs (if they are lucky enough to find them) or are on benefits for now came from good families, went to college and some even worked good jobs for a time. They know what it’s like to have money and know that it doesn’t necessarily solve all your problems and bring happiness. Most of the people I know are dealing with these stresses well. They are happy people who are taking their unemployed time to do other things like take up biking or join the Peace Corps or even just enjoy their families.
I’m in that realm. I live in a dorm and, despite the clock-roaches, it’s actually a lot of fun. Sure, I still hope to own a home one day and be able to paint it in any gaudy color I want, but I’m not too worried about it right now.
Maybe owning a house is something people in their 40s do. For now, I’m just going to enjoy being 31 and poor.

Thursday, September 9, 2010

Stress

It’s very stressful being poor. Everyone has money concerns no matter how much money you have. It seems to be that the more money you get, the more bills you begin to collect and the stress never seems to fade. But when you are completely reliant on others, it makes even deciding to buy an ice cream cone for you kids a big deal.
I’m apparently not handling my stress well these days. My hair is falling out and I feel more exhausted with each passing day. I know that there are a lot of moms out there that work, but in addition to watching my own children full-time, I’m now freelance writing and watching two other children. It’s great, don’t get me wrong. It’s perfect for me to be able to watch my kids and bring in extra money, it’s totally what I had been looking for. Still, I have to prepare and clean up after three meals a day plus snacks, wash laundry at least every other day, make sure the kids are safe and entertained and keep the house clean. I was sick the other day and my husband kept telling me to rest. If I rest, I get behind and then it’s even more stressful for me. Some moms say that I should  not mind so much if my house gets messy. But, it’s one thing if I let my kids crawl around in filth, and it’s a whole other thing to let my house get dirty when I have other people’s kids coming over here to be cared for.
So I’m not dealing well with my stressful situation, and I feel like a complete spoiled brat because of it. I know that I’m lucky and could be dealing with much, much worse! I have two friends with children with cancer. They have to deal with keeping their kids safe and clean on a whole different level. Laundry loads for them are more than doubled because of the vomiting incidents and other digestive woes. Preparing meals for a picky child takes on a whole knew meaning when your baby’s taste buds have been destroyed by chemotherapy. And while a child with strep throat might bring out the worrywart in any momma, for the mother of a child with cancer it becomes whole new level of fear and ER visits.
So how do these mothers even function when their lives have been turned upside down? I have a theory. I think that we are like cups. Those cups can be filled with stress and we will feel the stress depending on how full our cups are. But those cups can only handle so much. When stress gets to a certain point, the cup just overflows, like a safety valve. We only feel it to a certain degree an then it’s like everything just flows on by. I think it’s the only way a a mother can be expected to do everything a mother is expected to do in a normal situation, not to mention something extraordinary like caring for a child with a serious illness.
Regardless of how they do it, every mother who sits through the hours of chemo, waiting to clean their child after the inevitable nausea, every mother who learns the ins and outs of cleaning an amputated limb or surgery site, every mother who comforts their child as the nurse pokes and prods one more time, is my hero.
This month is childhood cancer awareness month. I know I complain about my situation, but trust me — I am fully aware of how good my life is. I have two beautiful, sweet and HEALTHY children. I hope everyone who has the joyous luxury of having a healthy child takes a moment to think about how good they have it too.

Friday, August 27, 2010

Insurance

This is the big thing for everyone. I don’t care if you make a three-figure salary, you still stress about how much healthcare costs. In honesty, this is probably the biggest reason we have had trouble saving money. Even when we had jobs that brought in a modest middle-class income, it seemed like every time we started make progress and were able to put a little into savings, we would get hit by some big medical expense. If you are a single and healthy adult, or even one of those DINK (Dual Income, No Kids) families, you probably don’t have to worry about it. But if you are among the many aging Babyboomers in this country or a young family, you’re basically screwed.
Right now our kids have no insurance, though we have applied for assistance on that. I’m sure it will come through, but it does make me nervous. My kids have a cold right now. It’s not bad, but I’m just waiting for the other shoe to drop. My son has developed lung infections from colds that have required ER visits, and my daughter has had burst eardrums from ear infections. As many parents will attest, when you have a child, you never know when a cold can become something more.
We’ve had our taste of just about every kind of health insurance.
In Massachusetts, we had United Auto Workers Union healthcare because my husband was philosophy graduate teaching assistant. Yeah, I know it makes a lot of sense doesn’t it? Any way, it was pretty sweet. They only problem was we had to drive about 45 minutes to get to our regular doctor. On the plus side, there were no co-pays at all! Even for emergency room visits, childbirth and hospital stays! Ahh, that was the good life.
In California, we got to experience the wonderful HMO goliath called Kaiser Permanente. I always thought the name sounded so ominous. It’s like they are announcing that the will become our permanent rulers, in a very Nazi Germany kind of way. It was fairly affordable, especially since my husband’s job paid our premium, but we still ended up with a $2,500 bill for our daughter’s birth. It took us 2 years on our lease-to-own plan to finally pay off our daughter. Our son racked up quite a few ER visit bills too because he always managed to hurt himself right at 6 p.m., when his regular doctor’s office was closed. One quick trip to check if he needed stitches when his tooth broke through his lip cost over $100. When he actually needed stitches -glue stitches that is - the cost went up to $500. That’s a lot of money when you are living pay-check to pay-check.
Next, we had regular old health insurance you get from a normal job, where you pay part of the premium and you have a fairly large deductible. I remember being outraged when my daughter’s vaccines cost us $400! Again, just as we started making progress our bills and were able to start saving, it all had to go to pay the doctors.
Now we are in insurance limbo. For student health insurance, the price isn’t too bad, but add the wife (me) and kids, and the insurance premium would have been close to $13,000. Given that right now we have an estimated $14,000 a year to live on until I can find some work, that just wasn’t possible. So, we split the difference. I got on student insurance with my husband, even though technically we can’t afford it and we are waiting to hear back if our kids qualify for Peach Care. Peach Care is Georgia’s version of Medicaid for children. By an act of Congress, every state must provide a way for children of the working poor to be insured at little or no cost. It’s a wonderful idea, and I’m so grateful for it. Not just for us, but it makes me sleep better at night knowing that any kid in the United States can be insured if the parents are willing to seek help.
Now for the controversial stuff. I’m not in favor of in the health care bill that was recently passed. I am in favor of some kind of healthcare reform, but I think the one that was passed was pushed through for political reasons. I remember reading that one politician said he hadn’t read the whole bill, but knew said that didn’t matter. He said the important thing was to pass it, and if it didn’t work, we could just fix it later. That’s the government for you. Pure genius.
I know enough about the medical industry to know that a big reason why everything costs so much is because the insurance companies are taking everyone -including hospitals and doctors - for a ride. So, why would you create a plan that forces everyone to buy insurance. What a pig-headed thing to do. People are uninsured because they can’t afford it, so I’m going to make them buy it anyway by threatening them with a penalty if they don’t.
The peasants can’t afford bread, so let them eat cake.

Thursday, August 26, 2010

It Takes a Village

It’s funny, the last apartments we lived in had the name “Village” in them, but it was anything but a village. It was frustrating because there were kids there, but they were all kind of savages, and I really didn’t want my kids interacting with them. I admit that I’m a snob about the company my kids keep. It’s not a matter of rich or poor, but I can’t stand it when parents don’t keep their kids in line. Most of the people there were single parents or divorced. The little boys would come up to my kids and take their toys and when I would try to get them back, they would act like I was stealing from them or something. And their parents would just sit at the pool, turning their highly exposed flabby skin into leather, drink cheap beer and flirt with each other. Sometimes they would let their little toddlers hang out in the pool by themselves, and when they got into trouble, as any young child who can’t swim might, my husband and I were the ones to take care of them.
The phrase “It takes a village to raise a child,” has always bothered me because that’s not how our society is set up. I would have never let my kids roam around in the “village” that was our former apartment complex. I didn’t know or trust the people who lived there.
But things have changed. We now live in student housing called The University Village. Suddenly, “it takes a village” makes sense to me. Everyone who lives in the student housing is poor, at least for now. But, we all have aspirations to one day not be poor, which is why we are here in the first place. I like to joke that I live in the housing projects for people getting phDs. It goes to prove that just because you are poor does not mean you have to be low class.
One of the reasons we decided for my husband to go back to school was because we were tired of living in apartment complexes. Most of the people there had jobs and were basically getting by. They were, for the most part, middle class. But socially speaking, they were very low class. Now, we live in a place where everyone has substantially less in terms of money, but they are good people who are sacrificing today to have a better future for their children.
The little girl next door knocked on our door the other day and asked my son to come out and play. I was happy to open the door and let him out. It truly is like a village here, where all the parents know each other and the kids do to. If I need someone to watch my kids, I have people I know and trust here that can help me.
It’s sad to me that most neighborhoods, even the high class ones with the nice houses, are not like this anymore. People in our society are choosing to have either no kids or just one or two. They are choosing this because people just don’t have the money for big families anymore. The whole idea of the neighborhood kids is disappearing. If you have the money to live in a nice place, likely both parents work and the kids are in daycare most of the day. They really don’t have time to get to know the neighborhood kids, so they just sit at home all day and watch tv.
I feel truly blessed to live where I do. Yes, it’s roach infested and the airconditioners are so nasty that my allergies have gone nuts, but for once in our lives we live in a true “village.” I just hope when we finally “make it” and are able to afford a home, we can find a neighborhood where our kids can have friends. Or, I hope we have enough money that I can afford more kids and we can make our own friends at home :-)

Saturday, August 21, 2010

The Value of Education

My husband and I have talked about this issue a lot. Sometimes it seems to me, based on our own experiences and those of our friends, that a college degree ain’t all it’s cracked up to be.
Education is an incredibly valuable experience that makes your interior life better. We are no doubt about that. An educated person is more introspective, more interested in the world, more interesting to talk to. But, in today’s economy it’s questionable whether it’s something everyone should aspire to. 
Is a bachelor’s degree still worth the cost both in financial terms and in time? I guess the answer to some degree is, that depends on your degree.
When I went to college, I was told by so many people that it didn’t matter what you majored in. The important thing was to get a college degree, and that told employers that you were “trainable,” and basically smart enough to work for them.
Having since graduated and seen so many of my friends struggle, I wonder if that validation of trainability is really worth more than the experience you would have built up had you just gone straight into the workforce out of high school.
I’m a big fan of tech schools and the idea of apprenticeships. I think that education in the liberal arts is incredibly important, but not necessarily a ticket into the world of the gainfully employed. I think in many way it would make more sense for people to pursue the liberal arts on their own and through community courses instead of paying massive amount of money to focus four or more years on it.
I also think that if fewer people got a four-year degree, the degree would once again have a value in the employment world. 
This morning I heard on NPR the story about the big class action suit against “for profit” colleges. You know, like the University of Phoenix and other “colleges” you see advertised on billboards and on TV. There was this sob story about a woman who went $75,000 in debt to get a degree at one of these school and now she can only find a job working retail at $10 an hour. Well let me tell you something, I went to a public university with a good reputation. I got, what I consider, an excellent education in journalism, and you want to know something? My first job in that field paid $10.30 an hour as the starting salary. Was it worth it for me to invest all that (admittedly parent-provided) money to make that kind of salary? If I had gotten a job as a bank teller right out of college, would I have become a manger by the end of those four years? It’s possible. On the other hand, I learned an incredible skill that not many people have. I get enjoyment out of writing, and I can still make a few bucks here or there doing freelance.
My husband got a master’s in philosophy. He attributes his conversion to his studies and feels that his view on the world is so much clearer because the challenge of his degree forced him to sharpen his brain. But he couldn’t get a job delivering mail or even driving a truck if he wanted to. He doesn’t have those skill sets.
So the question remains: Is the life value you receive from a college degree worth the financial burden you get with it? I still haven’t decided on the answer, but it’s something that haunts me frequently. I have two children and hope to have more. Right now, there is no way we would be able to pay for their college degree. What will I say when my son tells me he plans on majoring in the arts? Will I tell him it’s a waste of time and money, or let him take the risk and see what fruits his works will bear?

Thursday, August 19, 2010

Poor Is The New Grunge

Hey do you guys remember the 90s when we rejected our parents’ bourgeois lifestyles and started wearing a lot of second-hand store plaid shirts? The thing with grunge is it’s only cool when it’s just a choice, which kind of negates the whole concept behind grunge and makes me realize what a bunch of stupid spoiled kids we were. Now that second-hand stores are more of something I should be using, I’m just not that into it. I feel like the clothes are either in bad condition, or they are in good condition and therefore priced almost as if they are new.
Again, some of you might not know about this, but there are these massive consignment sales that moms groups get together and organize throughout the year. You can get some amazing deals, but you also have to navigate lines that can snake through the length of the basketball court these sales tend to be located in. I just don’t have that kind of patience, or more to the point, my kids don’t have that kind of patience and think it’s the epitamy of comedic genius to run away and hide from me behind the clothes racks. I did find one sale once with no line at all, and I snagged up about 15 puzzles (half of which were those nifty Melissa and Doug ones) and one of those baby bead mazes for about $20. Apparently, if you sell stuff at these sale you get the benefit of shopping early with fewer crowds, and you get a discount. The thing is, we plan on having more kids so it’s hard for me to part with a lot of the kids’ clothes. I want to store them and use them again. I’ve become a kids clothes hoarder.

But, I’ve found there are alternatives to the mega-consignment sales - namely, buying clothes out of season in clearance sales! A 3-year-old boy’s Polo shirt runs about $50 bucks at the store, which is not only ridiculous, but hilarious to me. No way am I going to pay $50 bucks for a shirt my kid is going to wipe grilled cheese grease all over, even in the theoretical future where we have money. But, wait until Dillards has it’s Additional 40% Off sale and whamo! My kid’s are well dressed little monkeys. All clearance items, which are marked at 75% off get an additional %40 percent of the lowest marked price! I can literally get those same Polo shirts for $5. That’s pretty much what a used Gymboree shirt would cost at a consignment sale, but it’s brand new (even if it’s “last year’s style”). Speaking of Gymboree, they sell their clearance clothes for as little as $3 for a dress, though most of them end up more in the $8-10 range. That’s still a sweet deal for a cute new dress! Plus, you don’t have to wait in line forever like you do at the consignment sales. 

Wednesday, August 18, 2010

Clock-Roaches

We are not alone here. We share our little two-bedroom university dorm with a family of what my 3-year-old son calls clock-roaches. These clock-roaches believe that the cozy warmth and soothing hum of the back of the refrigerator make it a perfect place to build their filthy nest.
    Clock-roach family and human family will have to agree to disagree.
Today we will have our weekly visit from our friendly exterminator. Apparently no one else around here has this problem, which was likely caused by the previous tenant thinking that clock-roaches were perfectly fine companions and no reason to inform the University. Exterminator man comes once a week and puts poisoned bait out for the little buggers to take back to their home. Apparently they die in their nest and their family members eat them, which in turn poisons them. I have nightmares about what the back of the refrigerator looks like!
Exterminator man cracks me up. He’s a short little thing with a constant smile and a slightly insane look in his eyes. He reminds me a little of someone from a David Lynch movie. He really seems to like figuring out how to “get” the roaches and one-up them. He makes frequent comparisons of roaches to children. He apparently worked for several years at an elementary school. He talks about how roaches are social creatures who, much like children, will share any kind of treat they find (which, again, is how the poison works). He says roaches are curious creatures, much like children, who will wander around the house when no one is looking. He also said that roaches, much like children, go crazy during electrical storms because all the ions in the air excite the neurons in their brains.
    Seriously, he said that.
I haven’t figured out if these little nuggets are meant as compliments to the roaches, or insults to children. I just hope he doesn’t start leaving “treats” for my kids when he stops by.
Apart from the roaches, I actually like our little home. It’s smaller than our last place, but it’s safe and the kids have a lot of outdoor space to run around in. There is also something kind of cool about living in a dorm again. We live here because we can’t afford anything nicer, but it’s really not a big deal. I’ve learned that it’s really true that home is where the heart is, and we have gotten good at turning any living space into a cozy home. Kids are good at helping with that.
I’ve also realized that no matter how low your standard of living goes, everyone has at least something they won’t put up with. For me it’s the clock-roaches. I’m not quite sure yet what it is for my husband. I have high hopes that the problem will at some point be resolved, and so does the friendly exterminator. My husband on the other hand has made peace with the clock-roaches and doesn’t even bother killing them when he sees them unless I ask nicely, although he does get a macabre kick out of watching them die slowly from the poison This makes me suspect that the previous guy, who was a bachelor, wasn’t necessarily gross. He was probably just a guy, like my husband, who has a higher threshold of things he’ll put up with.