Sunday, April 27, 2014

Simply Sunday #14

Hi!  I hope you are having a FABULOUS Sunday.

Here is something I have done this week to simplify my life...

I cleaned out some kitchen cabinets! 

My husband had been using multiple shelves as a storage place for leftover party paraphernalia.  Plates, plastic utensils, paper napkins, birthday candles, etc.  Most emblazoned with Disney Princesses or Spiderman.  It was such a jumbled mess no one ever went near it. 

When you begin to embrace voluntary simplicity, you have to avoid the urge to hoard.  My husband and I are frugal and we hate to throw things out that may have use.  We don't want to waste money or consume more landfill space.  So we often hang on to things to use them up when others might throw them out.

That is not a bad habit.  It is in keeping with the concept of voluntary simplicity to use all resources wisely.  But you do not use them wisely if they are kept in a disorganized mess that everyone avoids!  Some semblance of organization is important to make sure you are storing for later use and not just occupying more space needlessly.

So I took some time this week to take down all the stuff my husband had kept on these shelves.  I went through it all, took out stuff that didn't really belong, and reorganized the stuff that was there.  I got the stuff down to just one shelf.  And now it is organized and ready for use. 

In fact, my husband is taking our girls on a father-kid camping trip through our church in about a month.  This stuff is going to be put to good use then.  He'll need a table cloth, napkins, plates and utensils.  It will make his life easier on the trip to use disposable stuff, and we already have these items on hand.  That is what I call a win-win.

Wednesday, April 16, 2014

Keeping Up With the Joneses

A couple years ago at my church, our pastor had a woman in our congregation give a talk about her family's struggles to get their finances under control.  At the time, our community had been hard hit by the Great Recession.  Many were out of work.  So many had lost or were going to lose their homes.  Times were rough.  Our congregation offers Dave Ramsey's Financial Peace University, a course on money management.  The talk was intended to encourage others to take the course to get on better footing financially.

I remember when the woman was giving her talk, she shared that her family had spent more than they needed to on a fancy home, nice cars and nice clothes.  The pastor interrupted and asked her why they had spent more than they should have on such things.  Without any need to reflect, the woman said it was a case of "keeping up with the Joneses."  In other words, they had felt social pressure to spend money on things to appear affluent and comfortable. 

I was stunned by this response.  This woman and her family seemed so self-assured.  They were people of great faith.  I was shocked that such people would care what the Joneses--or anyone else thought about them.

But I've thought about it over the years, and am no longer shocked.  It is human nature for us to care what others think about us.  In our culture, we don't like people to think we are poor, suffering economically or not able to afford whatever we want.  We don't want to be pitied.  And we want to fit in. 

Particularly here in the 'burbs, we often have a distorted sense of others' finances.  We often think that others are doing better than they are.  They have nice things, go nice places.  So we figure they must be doing well financially. 

But if the Great Recession has taught my husband and me anything, it was to not believe the facades we were shown.  To recognize facades are not an accurate representation of reality.  When the economy tanked, we were shocked that people had misrepresented being laid off.  We were shocked at all the people in our social circle who lost their homes.  At one point, it seemed like almost everyone we knew was impacted by the economic collapse. 

I like to think that I am mature and secure enough that I don't care what others think about me and my family.  Maybe I don't obsess about it, but I am not immune to it.  And in the 'burbs where everyone is putting up facades and trying to show they are living the good life, it can be awkward and even embarrassing when you choose to live a different way and not spend like everyone else.  And I think that type of awkwardness and embarrassment is why many keep on spending instead of choosing a different lifestyle that might enable them to live a more fulfilling life.

For this reason, I'm starting a new series called "Keeping Up With the Joneses."  The point of posts in this series will be for me to share concrete examples of situations where my family and I have felt social pressures to spend money, and to describe how we have (or have not) overcome such social pressures.  I hope it will be an encouragement.  In our culture, we don't discuss financial problems openly, so it comes as a shock with others admit financial limitations.  This series will be somewhat unique for that reason.

Tuesday, April 15, 2014

Opportunity Costs

When I was going to apply to law school, I took a couple courses in Economics at a local community college.  I had never taken any as an undergrad, but I read somewhere that everyone who goes to law school should know something about economics.  I found it fascinating and wished in retrospect I'd taken Economics earlier, I even wished I had majored in it. 

One concept I learned in my basic Economics coursework was "opportunity cost."  It is defined differently in different settings but expresses the idea of the value of alternative choices in a given situation.  For example, if I choose to write for this blog, then I forgo spending time with my family, reading a good book, and giving my dogs a bath.  At this period in time, I've valued expressing myself in this blog over those other options.  The opportunity costs of posting to this blog are time with family, reading a book and bathing my dogs.  I've sacrificed those things to write on this blog today.

Life is full of opportunity costs.  We are constantly making decisions of how to use our time and other resources.  But we don't usually stop to consider that is what we are doing.  Typically, we are so caught up in the hectic-ness of life to realize what we are sacrificing when.  And many times we have no real option but to keep on doing what we are doing.  We have responsibilities--financial and otherwise--that restrict our options.

But sometimes we do have choices that we may not realize.  It can be hard to realize those choices because it would require thinking outside the box and making choices that others in our social circle don't make.  We humans are used to thinking in more traditional ways.  We are creatures of habit.  And it is very hard to go against the herd.  It takes vision and courage.

One reason I started this blog was to help others realize that they had choices and it might be possible to live a more fulfilling life.  Like most folks, I assumed that I'd spend the bulk of my life working frantically at a job until I was in my 60s.  But then I happened upon books about voluntary simplicity and in particular the book Your Money or Your Life by Joe Dominguez and Vikki Robin.  I began to see a different way of living that was more sustainable and more fulfilling.  I'd love for others to have similar epiphanies.

Right now I know people who are not living their best life because they are caught up in the materialism of modern American life.  They are trying to keep up with the Joneses.  They think they cannot live without certain "necessities."  They think they'd have to win the lotto to live their lives doing things they enjoy.  But that may not be the case.

I know women who would love to be stay-at-home moms instead of being away from their kids all day at a job they don't really care about. 

I know people who would like to adopt and provide a child in need a forever home.

I know people who would like to do mission work or work in the nonprofit sector.

I know people who don't mind working, but feel they are betraying their values by working in lucrative industries where the product or services may not provide social value or may create social harm.

I know people in these situations who feel stuck.  They'd rather do something else with their time and other resources, but feel like there is no other choice.  These are middle class professional people.  And to the extent that they want to continue their current spending and standard of living, they are right.  They are stuck in their current jobs--unless they are willing to make changes.

If eating out frequently or grabbing a latte on the way to work is the priority, they are stuck.

If annual vacations to luxury resorts is the priority, they are stuck.

If driving a gas guzzling vehicle is the priority, they are stuck.

If getting professional manicures or pedicures is the priority, they are stuck.

If having a smart phone for everyone in the family is the priority, they are stuck.

If buying fashionable clothes and accessories regularly is the priority, they are stuck.

If having cable TV is the priority, they are stuck.

If sending one's kid to drama camp or classes to earn a black belt are the priority, they are stuck.

If having seen all the Oscar nominated films prior to Oscar night is the priority, they are stuck.

If eating lots of meat and/or all organic produce is the priority, they are stuck.

If filling your home with junk and needing a larger home to store all the junk are priorities, they are stuck.

But note that eating out, grabbing a latte, vacations, gas guzzling vehicles, mani/pedis, smart phones, fashions, first-run movies, and a home filled with junk--these are costs you are choosing to pay if you'd rather do something else with your life.  Following your passion may be the opportunity cost to spending your money on such luxuries and needing to keep working to pay for such luxuries.

At least out here in the 'burbs, the things I listed above tend to be considered necessities by many.  They cannot conceive of a life without such things.  But if you haven't before, I encourage you to try to imagine life without them.  Ask yourself if these things are truly necessities or if you might live without them.  You may be surprised by the answer you come to.

Monday, April 14, 2014

Pursuing One's Passion

I'm at this unique and privileged point in my life.  Due to good career opportunities, our family's frugality and my husband's gainful employment, I'm in a position that I don't have to work for a paycheck.  I'm staying home with my kids and pursuing projects that are meaningful to me. 

I'm well into my 40s, and there is so much I want to do with whatever time I have left.  I wish I had several lives to live! 

I'm sure if we all reflected on it, we'd all have things we'd love to do if earning a living were not the primary focus of our time.  Everyone would have a different list, but to give you just a sense, here (in no particular order) is a non-exhaustive list of things I'd love to do now that I'm no longer having to work for a paycheck:

  • work as a missionary abroad or in an underserved community in our own nation
  • develop an LGBT ministry within my church community
  • become a foster parent
  • adopt more children
  • hike El Camino pilgrimage in Northern Spain with my husband and/or my kids
  • backpack around Iceland, Ireland and Great Britain
  • cultivate an abundant vegetable garden to share with people in my community who are food insecure
  • get my Ph.D. in gender studies
  • become a realtor serving in underserved neighborhoods to help revitalize communities and empower families to become homeowners
  • host an exchange student
  • start a nonprofit business to provide jobs for marginalized people
  • minister to people in prison
  • do pro bono work with people in custody for immigration law violations
  • participate in more protests
  • write a novel
So, this may not look anything like your list.  My passions are not yours.  I only share this list with you to give you a sense of the kind of dreams I have, and to encourage you to have dreams of your own.

But I personally have found it hard to mix pursuing my passion with earning a paycheck.  I went into teaching originally with great idealism, but my own self interest caused me to view it differently than I would have otherwise.  I had to please my principal and vice-principal to avoid getting fired, so I had to tow the party line and not rock the boat.  I had to play politics instead of focusing on helping like I wanted to.  Eventually I became disillusioned with the whole thing and left for law school. 

Something similar happened when I became a lawyer.  And I've seen the same thing happen to others.  People initially go into a profession with the thoughts of helping people, but they get caught up in workplace politics and preservation of their own economic interests such that doing good becomes secondary, if not tertiary or worse.

But I've noticed something different happens when you are doing nonpaid work.  During my hiatus, I've been doing some volunteer work through my church.  I've worked hard, enjoyed it and feel I've made important contributions.  But I'm completely liberated from the worries of pleasing those in charge.  If they don't like everything I do, I frankly don't care.  They cannot fire me.  They cannot give me a bad performance review.  They have no economic carrot to dangle, no economic stick to threaten.  How incredibly liberating!!  I can just focus on helping and doing good.  How wonderful.

Note, however, that I didn't get to this point by winning the lottery.  More on that later.  But for right now, I just want to make the point that in order to pursue your passion, you may need to simplify.  If you want to spend more time on your passions--whether that is doing good in the world, pursuing creative endeavors or spending more time cultivating relationships with loved ones--then it is unlikely in my opinion that you can expect to be well-compensated for those activities.  You may need to live a simpler life in order to pursue your passion.  That may seem daunting to many.  But I don't think it is out of reach.  And one of the main reasons I'm writing this blog is to encourage you to make it happen.

Sunday, April 13, 2014

Hiatus

So, I've had quite a gap in posting.  That is fine.  Life has been hectic.  And of all things, I thought it would be hypocritical to push things even more by forcing myself to post during this busy season of life.  But I'm back.

During my break, I've had time to think and reflect more on why voluntary simplicity is important.  And more than that, why it is important to those of us living in the 'burbs.  I'll be writing more about that in coming posts.