I need to talk about money bad. I need to talk about my fist full of fiscal fears. This has been true for years: I explain how much I make and how much I spend and it doesn’t add up. A living wage for me is about $14.50/hr. It’s been that amount for at least a decade. I worked at CapitalOne for a couple years, lived in a hotel and made $14.00/hr. A big reason for pursuing a leased house was to live cheaper in a better domicile. The hotel cost me roughly $900/month. My house with all the bills costs about $150.00/month less. So, do I have that $150.00/month? I do not.
A Fist Full of Nothing
Where is it? If I had put that $150.00/month in a savings account I’d have $4500.00 in principle. Dave Ramsey talks about having $1,000.00 in cash as a reserve. After paying off your debt the next step is 3-6 months of cash reserve. Assuming it costs me $2200/month to live, I need at least $6600.00 in the bank after becoming debt free. That $150.00/month cost savings is 68% of what I need in cash reserves. I have $500.00 or so.
I haven’t answered the question, “where is it?” Where is that $4500.00? Gone. Spent. On stupid stuff. $4500.00 of FUB.
As I type this I am a month behind on my utility bill with the city, I owe almost $400.00 on my cell phone bill and I don’t have the rent money due this week. My car’s inspection sticker expired last October and I have three traffic citations accusing me of driving the Impala with the expired sticker. The car needs another couple thousand to make it right even after spending $3,000.00 on repairs. I owe $540.00 on my credit card.
What I say to everyone is that I am broke. I can’t afford to do the responsible things with my money. Doing the right thing has to wait while I put out one more fiscal fire. I keep putting this off, telling myself that I’ll take care of it once I have a job that pays enough. Just a little longer and there won’t be so many fiscal fears and fires to deal with. When things are better I’ll do the right thing. I’m on the far side of my mid-fifties. Hillel, “אם אני לא לעצמי מי הוא בשבילי? ולהיות עצמי, מה אני? ואם לא עכשיו, מתי??“
I promised as 2016 came to a close, to tithe more and save more. It’s what you do when in the company of a case worker. You say the right words about doing the right thing while knowing you are lying. I am tithing less and letting the calls from collection agencies go to voice mail. My promises mean less than Catullus’ words from his avid lover.
The Fist Full of Fiscal Fears
One more thing. A couple months ago I maxed out my $750.00 limit on my credit card. Then I made my plans for a trip to South Carolina based on having sufficient available credit. If I didn’t pay off the credit card the South Carolina trip falls apart. So, I started paying $50.00/week and more toward my credit card balance.
The Impala needs too much work. Court dates on the Impala start next month. I need a car before returning to court. There are still bills that need catching up. It is the end of May. My employer is converting me from a temporary worker to full-time. I have fiscal nuclear bombs exploding in my life for the next couple of months.
I’ll be getting paid twice a month instead of every week. I won’t see a paycheck until late in the first month. Rent, the utility bill from the city, my cell phone bill, and my light bill, all have to get paid twice in a few weeks to avoid the sort of fiscal nuclear bomb that would put me on the street. Plan for that? No. I ain’t got no plan for that.
Mo Money Mo Better?
Oprah discovered this. It is an easy slide up the economic scale. As income increases we expand our lifestyle to consume the increase. New vistas and possibilities open up as our income climbs. Some of us make polite sounding noises about the increase not changing our lifestyle. Right. Pay cash for a bucket list car? Why thank you, I think I will.
Each step up we say again that we are entitled to the shopping list made possible by the new economic level. It gets easy to forget the old roach and rat-infested third-floor walkup with hissing steam radiators that only seem to work in the summer. Cash for a genuine Rolex? Definitely.
Yet, when we lived in that dump and rode the bus we made ends meet. The budget balanced because it had to. Now that we have arrived and can buy a watch equivalent to over a year of wages our budget doesn’t balance. Mo Money isn’t on its own mo better.
Money won’t fix it unless you get at the underlying reason why someone can’t keep it together. I have to do the work to heal my broken relationship with money. If I stay the same then my post in December of this year will have nothing to show for my added $900.00/month.
Jesus tells us to take nothing with us. God provides for the sparrow. How much more will he provide for us? We live in an empire that is a top ten all time wealthiest. Our first world life affords us a base-line lifestyle most of the world envies. The challenge is to live a frugal life in this cornucopia of indulgences we bathe in.
This is my challenge also. To live a $15.00/hr. life while earning $5.00/hr. more than that. Resist the natural growth in lifestyle available because of the extra income. My history on this does not bode well.
Jesus Doesn’t Deserve This
A thousand words down and I finally come out with it. I have a huge problem with giving money to the church. I’ve held this grudge since I was a kid. You read pieces of it here. I don’t like blindly giving fish. I wish we in the west would slow down before we fly 10,000 pounds of rice over the African Savannah and push it out of the back of a C-130 because of that doe-eyed kid we’ve all seen in UNICEF TV ads. So much of what the church does with tithing bugs me. I give to the church grudgingly, when I give at all.
I am still a fan of Robert Lupton’s, “Toxic Charity” and Dambiza Moyo’s, “Dead Aid.” I want the church to be smarter about how it does missions and service. Just doing resource dumps is stupid.
But . . . countless times in my nearly three score years the church has had my back. There are many in a number of congregations who are angels to me. It wasn’t always cash. Sometimes it was strong words or prayer. Everything done for me was done without an overt demand for compensation.
Name for me another organization that would provide food, shelter, mental health services, transportation, access to medical care, religious education, and fellowship for free. Where else can you find a scholar deeply educated in scripture who will give of his time free of charge? Grocery store gift cards.
Is the church sinful? Yes. It is filled with people. People sin. Not all people. Enough people to make the two-word premise valid. Churches are filled with messed up people who did some fucked up shit. These messed-up people are there because something drove them to seek revolution in their lives by following the way of life evangelized by a no-account carpenter from Nazareth who was martyred over 2,000 years ago. 2,000 years is a long time to not screw up.
In 2,000 years, have Christians ever done anything to anger others? Have we sinned? Every damned day. So, I, along with many, who get self-righteous and point angry fingers at the church, need to check ourselves. Since when did we gain the right to stipulate that we are without sin but those guys, those Jesus freaks, well . . . they are evil. It is not credible that I could justify my resentment and miserly contributions to the church because those guys don’t deserve it until they come correct.
Money Bull Sh*t
Right, so here we are. The right thing to say is, “I am sorry. I’ll start tithing more diligently.” Those words are crap. What we both know as I type this is that I still have some forgiving to do. I owe the church the recognition of what it has done for me for free in the form of a stack of Benjamins. I ought not continue to judge. My cries of poverty are bullshit. I’ll let you know how it went in December of this year.