Two years ago I quit my job to work from home as a freelance writer, and since then I have lived in a poverty-like state. I do not want to disrespect people who truly live in poverty due to job loss or inability to find decent paying work, and live from unemployment check to unemployment check. Others find themselves in poverty through no fault of their own. I willingly did this to myself. But it’s been a difficult road nonetheless.
Unlike the truly poor, I have a safety net. I have savings (though they have dwindled), I have investments, and I could access those if I needed to. But the savings are there in case my car dies, I need a new furnace, and to pay my real estate taxes, and the investments are for my son’s college and my retirement. So I have been trying to dip into these funds as little as possible.
Ergo, since freelance writing generally leaves much to be desired monetarily, I have lived like a poor person. I learned a great many things about life without money that I didn’t expect.
1. Staycations can be just as fun as vacations. My son and I used to take big vacations, like to Florida or South Dakota. We haven’t gone anywhere, except camping trips within the state, in three years. We did find an excellent campground that has become our new favorite, and even though in the future we will be able to afford bigger vacations out-of-state, we will still choose to go to this campground because it’s just that awesome.
2. I appreciate things more when they are fewer and farther between. When I did splurge to take my son out to eat for a special occasion (his birthday, for example), we had the most wonderful meals in the world because we missed our favorite restaurants so much. We recently went to my favorite pizza place that we hadn’t been to in years, and I swear it was the best-tasting pizza I have ever had in my entire life.
3. It is amazing how little you actually need. I stopped looking at the ads in the Sunday paper because when it came down to it, on a day-to-day basis, there wasn’t much I really needed. I already had everything, or could get by with what I had. There were things I could use, but not much I needed. I pretty much stopped shopping, except to buy things my son needed, or things for the house. I have bought very little for myself, and it’s really opened my eyes as to what is necessary in life and what is gravy.
4. It is okay to splurge once in a great while; it helps you feel more like the rest of the world. Although I was adamant about only buying things we absolutely needed, the one thing I bought in the last two years that was “unnecessary” was a two-person kayak so my son and I could go kayaking on our camping trips. We absolutely love it, and even though we’ve only used it a handful of times, I consider it money well spent.
5. The most important thing I learned, and the one thing I understand and share with those who are financially struggling, is this:
There is a pall that comes down on you when you don’t have enough money. It permeates everything you do and it never leaves you.
Every day, you are reminded about things you want or need but can’t have.
Every day you are reminded that you are poor.
It’s hard not to get depressed when you are in that state. It’s hard to see yourself get more and more into debt. It’s hard to tell your child that he can’t have what he wants because you don’t have the money, or that you can’t afford to take a vacation or buy a pool for the yard. It’s hard to go without health and dental insurance, especially when your teeth are falling apart and there’s nothing you can do about it, or when you injure yourself but try to diagnose and heal yourself using WebMD and the Mayo Clinic website because you can’t afford to go to the doctor.
My son has been stoic throughout this experience. Of all the things he misses, I think he misses pizza delivery the most. What I regret the most is that I have infected him with my “poverty attitude.” Now he is worried about money, too, and looking for ways to save. In a way it’s good for him to learn to be frugal, but in a way I’m sorry I dragged him into my financial issues. But we are a close-knit family of two; I could scarcely keep it a secret.
The most difficult thing for me has been to try to shrug off the “pall of poverty.” The constant telling yourself “I can’t do this, I can’t afford that, no, no, no.”
If you live in poverty in your mind, you will live in poverty in your life.
I had to keep telling myself that things would get better, that I would find a “real” job. I kept my positive attitude and the belief that someone, somewhere, would realize my potential.
And I was lucky to find that someone. I have just been offered a good-paying job with excellent benefits. While I am ecstatic over the prospect, it’s quite a shift in mental attitude that hasn’t quite sunk in yet. I will be able to afford things I not only need, but want. I won’t be struggling to pay the bills anymore. Best of all, I won’t have to live in the “I can’t” mindset anymore.
I am grateful for this experience over the last two years which has shown me how little a person really needs; and which has given me a glimpse into the lives of others who undergo hardships that I otherwise would not have understood.
If you know someone who is struggling financially, be kind to them. Do something for them. Even a small thing will brighten their day immensely. I have been so touched by the kindness of my friends and neighbors who have given me things, done things for me, bought me drinks, left chocolate at my doorstep, or paid for my dinner. I even caught breaks from perfect strangers who had no idea of my financial situation, but for whatever reason, gave me a deal on something or gave me something for free. I took it as a sign that the Universe was looking out for me.
For one who has always prided herself on being self-sufficient, it’s been humbling to “accept a little help from my friends,” and I am exceedingly grateful to have so many wonderful people in my life. My friends and family have been there for me, supporting me and encouraging me, throughout this whole process. To know that people are truly there for me to help me when I am down…that has been the greatest lesson of all.
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