Tag: house

We don’t talk about money. Be poor privately please.

Why are the poor poor? Not how did they become poor, but why are they still poor. Have you ever ask yourself that? If you are, or have been, you know why.

Based on the posts I see on social media, the reason is, because that person is either: lazy, entitled, or makes poor choices. Are there lazy and entitled people? Sure there are. But I guarantee 99% of poor people work 10 times as hard as a financially stable person. Their life depends on it. And there are a lot of people that make poor choices, I being one of them. But unless your poor choice is gambling away your family savings or working for the mob, most poor people’s bad choices are buying a pair of jeans or going out for drinks. Not quite what I would consider worthy of a lifetime struggle to provide for your family.

Why am I bringing this up? Because I’m a poor person trying very hard to obtain what others tell me I could get if I just worked harder. I’m trying reach that goal you told me I’m not entitled to, that I have to work for. What is that goal? To have a place to live of my own and to be able to feed my children and pay my bills without worry or anxiety.

I receive SNAP. Because I’m below the poverty line. Does that make you uncomfortable? If you don’t know me I’m sure it doesn’t. If you know me personally I’m sure you feel quite uncomfortable knowing that about me. I once had a family member harass me on a Facebook post. He was convinced that the reason I am struggling HAS TO BE because I deserve it. I’m an entitled millennial who wants everything handed to me. I deleted him off my Facebook and had myself a good cry. Where has he been the last 10 years? I am not a quiet person. I do not bottle things inside. I am very honest and open about the good and the bad in my life. Why is my struggle making him so angry? It’s my struggle. I’m not angry. I love sharing my struggle so that others can know and feel hopeful. He was legitimately angry. Zero compassion.

Then someone said something to me that put it in perspective. “Of course he is angry. And of course he is blaming you. Because if he admits you’ve done everything you were supposed to and you are a good person, and are still suffering, then he would have to also admit that he stood by as you suffered for years and never offered you a hand of help.”

Holy crap. I used to always wonder why we didn’t talk about money. From a young age it was instilled in me that you never ask how much someone makes. And you don’t talk about how much you make. I remember asking, why we can’t talk about it. I was told it was because people that don’t make as much might get jealous and angry. It was to protect those who deserve their income from people who didn’t deserve it and wanted it.

Poor people don’t care if you know how much they make. I’ve had perfect strangers mention how much their check was in casual conversation. Poor people are not uncomfortable with talking about money. Whatevs. I’m broke but I needed some Chipotle. See, every single thing we do revolves around money. Like, if I buy the good toilet paper, will I have the gas to get my kids to school? Which bill can I be late on so I can replace my kids ripped school pants? We’re not handling our money with our sights set on vacation spots or the best investments. We’re trying to find a way to make sure we don’t have to eat peanut butter and jelly or cereal for dinner for the next week.

You know what would save me a lot of money? Being able to buy a house. My entire life has been at a standstill for the last year because the house I live in is unlivable. If I move my rent will be double to triple what it is now. It is not possible.

Poor people can’t buy houses. Not because they can’t afford them. Because the system is set up in a way to keep them poor.

I do not have a great credit score. To even have a chance at obtaining a mortgage I need 10% down. So let’s say I work for that goal. The houses in my area that I would be ideal for my family are about $150,000. But I don’t need ideal. I’m sure if I looked around and waited I could find something that makes do for about $100,000. So I need $10,000 to buy a house. With my current income I know I could save $100 a month. So that means in 8 years I could buy a house. If I lived extra poor I could probably save $200 a month. Then I could buy a house in 4 years. Do you see the problem? That means I still have to live in this shithole house with my four children until they are raised.

Let’s say, for argument’s sake, that I can save $500 a month. That’s only a year and a half. Buuuuuut. I receive Food Stamps. About $500 a month. And the second my assets exceed $2,250, I do not qualify anymore. So 5 months in, I wouldn’t be able to afford to save anymore. (2 years into my 8, 1 year onto my 4).

Why are the poor poor? Because unless someone steps in and knocks down the societal hurdles, we don’t have a choice. Why do poor people buy lottery tickets? Because there’s a better chance of winning the money to help pull them out of poverty than there is to do it by hard work. Why do the poor buy cups of coffee and get tattoos instead of saving? Because what’s the point? Do you have any idea how helpless that feeling is? Then you feel guilty and ashamed when judgmental eyes look at your $50 tattoo and tell you that THAT is the reason you and your children deserve to suffer. You feel like you need to justify the $10 Goodwill Coach purse you carry because others see it and believe you’re exaggerating your circumstance. You’re either lying, or deserve it.

The rich want to believe that the poor are poor because they deserve it. Because if they acknowledged what it really is, they also have to admit that they’re okay with thriving while others are unfairly suffering. And that makes them uncomfortable. So it’s easier to just blame.

I am poor. My kids play sports, go to a private school, have new clothes and shoes at the beginning of the school year, and none of it was provided by me. Because I have people in my life that saw the value of my children and said, “I want to help”. My eyes swell up with tears when I think about what I would do if I didn’t have kind people in my life. Because I know you’re out there. All you that are suffering without a support system. I want to help you so bad. I want somebody to help you. I feel your pain, I feel your anxiety. I am so sorry we live in a country where you are demonized and told you deserve to suffer. You do not deserve to suffer. Your kids do not deserve to suffer. You deserve so mich better than this.

Why are the poor poor? If you are not poor, you need to be okay with being uncomfortable and do something. You need to stop blaming and start asking how you can help. Perpetual poverty happens when you can’t afford the necessities. Do you feel the Necessities in life a privilege or a right? Do you believe that someone’s financial circumstance equates their worth? Your complacency is hurting people.

Some people are more equal than others.

Ideas are like seeds being planted in your mind. We don’t always have control of the seeds that are throw to us, but we do have control of the soil. In this way, we get to decide how our garden will grow. Manicured and simple. Full of poison and thorns. Wild and unknown. A labyrinth. Filled with food. We decide based on what we pull out and what we nurture. How much effort we’re willing to put in and the people we put ourselves around, who are throwing seeds. How acidic the soil is, and what trees we have growing from the past. Try as you might, the soil below a large pine will not allow you to grow certain plants below it.

A couple weeks ago I saw a post on Facebook. My Facebook is pretty diverse when it comes to religion, politics, and life choices. So very often I see things I don’t agree with. So that was no surprise. What has surprised me is how much I keep thinking about it. See, I have been spending a lot of time lately pulling weeds. Uprooting trees. I have been working on my soil to help things grow. That seed that was planted? That seed has been thrown on my soil before. But it dried up. So when I saw it thrown my direction again, I anticipated the same result. But my soil isn’t the same. My soil is rich with nutrients. And that seed took root and is growing. So now I’m forced to acknowledge this plant growing. I have to decide whether to pull it up or water it.

“We must do away with the absolutely specious notion that everybody has to earn a living….” Buckminster Fuller

The post I read was the full quote. But within the first sentence I knew I disagreed. I’m a hard worker, and I was raised to take pride in my work. You don’t work you don’t eat. The story of The Ant and the Grasshopper made a brief appearance in my mind. You cannot live your life playing and then expect those working to support you. Teaching a man to fish verses giving him a fish.

“We keep inventing jobs because of this false idea that everybody has to be employed at some kind of drudgery. Because, according to Malthusian-Darwinian theory, he must justify his right to exist.”

Justify his right to exist? I wouldn’t go that far. And we may invent some jobs, but I would say we Americans spend more time creating more “all ready invented” jobs. During our last election this was a huge thing. With the worry of unemployment and layoffs, I heard a LOT of people talking about job creation. There aren’t enough jobs and people need to work to support their families.

I also thought about work ethic. Working a less-than-desirable job definitely gives you appreciation for hard work and a lot of humility. If people didn’t work, how would they experience the struggle that has helped me form into who I am? What do they say about Idle Hands?

Then I started thinking about if I had my necessities met. Just my necessities. A place to live, food to eat, heating/cooling and electric, and health care for my children and me. What would I be doing? I would be home with my kids. I would be homeschooling them. I would have a chore chart. I would be maintaining a garden and teaching my kids with hands on lessons of cooking and animals and science experiments. I would still be working, but not as much. And the money I made from work would be invested in my kids, our home, and myself. The money would be used for house repairs, a vehicle, internet access, and travel. I would take another trip to do humanitarian work. I would take art classes. I would do more with theatre. I would read more. I would learn a language with my kids (they have been begging for us to all learn German as a family). I would help my kids learn what they love. What their gifts are. What their passion is.

Quick detour. Have you ever met someone and thought, how are you so successful? Like, they really have nothing to offer. Mediocre intelligence. Very limited world view. No talent. And yet, they are making over 10X what you make. I remember one guy in particular. He was always so impressed by how smart I seemed “considering I don’t have a degree.” He would tell me, “If you went to college, you could be way more successful. You have so much potential! It’s sad you’re working at a coffee shop when you could probably do my job better than me, ha!”

We all have different goals. My goal is not wealth. Rags to Riches stories, while interesting, don’t motivate me. While I appreciate my material things, they are disposable. I asked myself, if I had my needs met, what would be something I would work extra for in order to obtain? Travel. Art. Learning new things. Humanitarian work.

What if our needs were met. Just the basic ones. We would still have those who wanted to be rich. We would still have those who were lazy. We would still have to work. The difference is, we would be allowed to decide. If you wanted a huge house and lots if things, you could choose to work more. If you decide you would rather live modestly so you could be home with your kids, you could do that. But what about the freeloaders who wont work? Well. If they want that kind of poor, meaningless life, so be it. What does it matter to you? I mean, I’m not talking steak dinners and mansions. Food in the cupboard, a warm house, and freedom from/treatment for disease just means the rest of society is protected.

What would happen if those with actual talent could explore it? What would happen if all that “potential” could be met? What would happen if someone’s intelligence outweighed someone’s financial circumstance?

What would happen? We would thrive. Good parents would still instill work ethic in their children. Bad parents would still neglect it. Caring people would still want to help others. Selfish people would still take all they can get. The difference is, we would all have a choice. Ask a poor person if they have a choice right now. Ask them how many jobs they work and what they have to sacrifice so their kids don’t starve. Ask them about how expensive it is to be poor.

I am not against capitalism. I want our inventors to invent. I want our artists to create. I want every person to be able to listen to that gift they have and embrace it. We are all given certain passions inside of us. Animals. Children. Writing. Botany. Technology. Music. Cars. Every single person has something that pumps them up for life.

“The true business of people should be to go back to school and think about whatever it was they were thinking about before someone came along and told them they had to earn a living.”

How different things would be if we ran our Healthcare System and education system like a non-profit. If no one could get rich off the sick. If the poor had the same educational opportunities as the rich without having to join the military. If every family knew they had a house, electric, and food.

I can’t count the amount of times in my life I have said, “pull yourself up by your bootstraps”. Then, when the time came in my life that I needed to practice what I preached, I reach down for my boot straps only to find that someone found a way to make money off boot straps and had hiked the price up to make money off of my struggle.

We have been taught that the poor deserve their lot in life. And that the rich deserve their wealth. Why? Because admitting that the poor don’t have a choice and that we’re allowing others to profit off their suffering is a hard pill to swallow. We have to admit that while we say all are equal, we have been conditioned to feel superior to the poor. We have been told our stability is earned by hard work and therefore the poor must be lazy. If we acknowledge how much of an advantage having our basic needs met makes, then we are faced a choice. Continue to treat the poor as inferior, or work for change and equality. The seeds have been planted. You decide if you will let them grow.

A “no” is the first step toward a “yes”

“Beth. People want to help. People like to give. You need to put yourself out there and let those who can, help you.”

Variations of this statement have been said to me year after year. Is it my pride that makes it difficult? Society’s “don’t expect a handout” knee jerk response with every need? Either way, the above statement is true. People do like to help. I like to help. Even with as little as we have, if I know someone is in need, I try to help. I don’t think less of a person in need. I definitely don’t hold it over them or against them. 

Do you feel like I am buttering you up for a request? That’s because I am. I’m trying to sell you on the idea that I deserve help. I think that bothers me the me most about being poor. That panicked feeling you get when you’re trying to convince someone you are worth their time or money. 

This morning I went to my grandma’s for a cup of coffee. We talked about how we’ve been treated during the years by those with influence or money. “I know a lot of people just assumed we were hillbillies and were beneath them. They didn’t even try to get to know us.” My grandma said. “So what? What if you were? Should that even matter? Grandma, hillbillies are people too.  To suggest that a human is less worthy of help or kindness because they are “poor hillbillies” is saying that rich = superior.” People justify withholding love and generosity, due to social standing, by suggesting the poor are poor because they deserve it. And that the rich are rich because they deserve it. When we all know amazing people who have almost nothing and disgusting humans who are very wealthy. 

Ten days ago my kids and I started a St. Joseph Novena. For those non-Catholics out there, it is 9 days of prayer for a special intercession. Our Novena was to find a home. I told my kids on day one, “This isn’t magic. This isn’t superstition. We will get a yes. BUT. It may not be the yes we think we need. So we need to remember to not be sad when we hear no. No is a good thing, because that will point us to the yes that is waiting for us.” 

Today I went to the bank to try to get pre-approved for a mortgage. I was told no. This sweet lady looked as if she wanted to cry for me. She shared with me a personal story of hardship she went through when she was younger. And I told her, “It’s ok. This no just means there’s a yes somewhere else. I had to start somewhere.” 

I need a house. I cannot afford to rent any longer. For a house big enough for my family, I will have to spend twice what I am spending now. Throwing money away. I have spent 7 years doing what I’m supposed to do. Working, paying bills, and taking care of my family. No bankruptcies. No foreclosures or evictions. No repossessions. Student loans and defaulted medical bills are all the debt I have. All of these things mean nothing to the bank. The bank says I should have a credit card. The bank says I need to wait another 2 years. The bank says I am too poor to have a house. Do I have a family member able to help with a down payment? Someone who would be willing to do a land contract? They cannot help me. I would need someone else to help. A family member? A friend of a friend? There is is. This “no” just pointed me in the direction I need to go to find my “yes”.

I need a house. I need someone who knows my situation to say I am worth investing in. I honestly believe we are all connected. That all that I am going through in my life is bigger than I am.  This is not just about me. It’s hard to explain. I have never felt so confident about anything. There is someone out there right now with the desire and ability to help my family. There is someone who has it in their thoughts or in their heart. They will know the moment they read this. 

Now, my children and I will wait to see what our “yes” will be and start preparing for our next life adventure! Because, whatever “yes” we are given, will most definitely be a positive, life changing yes!

Welcome to Our Home

I love analogies. One of my favorites is viewing our country as a household. First off, the family/house you’re born into is completely by chance. We (Americans) were born into a wealthy family. Or adopted into it. We have running water, food, a place to sleep, and amenities. While other households (countries) may be lacking some or all of those things. Secondly, we all disagree with our other family members at some point. But having the “house rules” (Constitution) makes sure that everyone is heard, and no one is taken advantage of or treated unjustly. 

I’m not going to go into our relationship with our neighbors. Or exactly how our family started out here, since we know there was bloodshed.  I want to talk all but what’s going on right inside our house right now. Because I feel like people are so busy looking out the window that they’re not noticing what is happening to our family. 

I want to know. If your child told you they were being poisoned by the water in their bathroom, would you call a plumber and pay to fix it? If your child lost their job and couldn’t buy their own food, would you feed them? If your child couldn’t get to school, would you make sure they got there? If your child had strep throat, but couldn’t afford an antibiotic, would you pay the bill? Of course you would. They are your family. You know investing in your child is going to help set them up for success. Plus, it helps the rest of the family to have a child that can read, isn’t ill, and is thriving. 

Obviously, I’m saying that every American has a right to have their basic needs met. And don’t start this “you’re not entitled” bullshit. Yes we are. Being born (or adopted) into this family means we don’t have to (or shouldn’t have to) worry about basic human rights. 

Now what about the extras. If your child wants to play baseball, do you let them? Piano lessons? The Internet?  Remember, this isn’t about money in your household. Your house is rich. This is about whether you think a child should have to pay for the extra stuff, or if it should come out if the budget. One parent may say, “Yes! We’re able to give this kid experiences and privileges that others can’t have. I say we go for it.” While the other parent may say, “Absolutely not. I didn’t have those things when I grew up and I turned out fine. They will grow up spoiled if we don’t make them work for it.” So what’s the solution? We find a compromise. A budget. 

Now what if you have a kid that stealing food out of the pantry. They’re taking more than they need. They’re wasting. They’re selling the food to other kids in the house. Should you disallow all the he kids who can’t buy their own food from eating? No. Because you know who will be hurt? The ones that can’t work. The ones too young. The ones with disabilities. The ones who are struggling. 

Now, one of your neighbors is blowing something up. Threatening to blow up your house and your kids. And you notice that a few of your kids look a lot like this neighbor. You know they are your kids. They work, contribute, and are ready part of your family. But….they do look are really lot like those bad people. Do you kick them out? Do you tell them they are unwelcome? Or do you protect your child, because they are part if YOUR FAMILY. 

Our family. Our household. America. We need to stop acting like we are in competition with each other. There is no reason every American shouldn’t have every basic need met. Why does Flint still not have clean drinking water? Why is higher education considered a luxury? Why the hell can’t I drive down my road without fear of messing up my car because of the pot holes? Why are there people that have ongoing medical issues that are untreated because they can’t afford the bill? 

I am not saying every American needs a new ipad or should be issued a new car. I’m saying we need to stop sending our family to the neighbors house to fight with them and maybe fix our effing roof, make sure everyone’s getting food and water. Maybe we need to ask the ones that are making these decisions for our house why they are eating lobster and sitting in a warm room while there are people downstairs that are thirsty and cold. 

I will never understand why there is SO much fear involved in helping people. Always scared someone is going ro get something you’re not getting. They hold on to these stories of someone abusing the system, and clump EVERYONE who needs assistance under it. I have needed food, medical, childcare, and even cash assistance at one point or another in my adulthood. And I don’t feel bad about it. Because America is my family, and I had needs my children and I needed met. And I will be damned if someone is going to tell me that I am a leech off the system or make me feel guilty about it.