Tag: money

Determination, Divorce

In the Stocks

smirkpretty

For once, little stubs of green
numerals wink
hinting
they could buy me out
of this hunched perch.
It is just me here, me and my accounting
of the meager spoils I seized
when I fled. The penalty
for desertion could be far worse.
I tally the fortune
of this accident of birth.

Iced rain falls and
in town, surely
a band warms up.

The remaining stocks
sway like burnt timbers
against scouring wind but still
stand, their earnings enough
for one eighth of a used car
one hundredth of a used house
one year of heat and power

a one-way ticket
out of here.

The charred posts
have never flowered no matter how
much they drink.
Ah well. No need to fret.
I grow thinner by the day and
night is falling. Under me
the stunted sprouts are, yes,
still green. Chance being
so capricious (what a marvel that must be!)
I decide this will do. It is enough.
I stretch my shoulders. I arrange
my spine. I pad my wrists
with cash for spring
time.
 

Creativity, Determination

Piece of Cake

smirkpretty

Is there nobility in poverty? That’s probably a stretch. At a minimum there is resourcefulness, and that can look like creativity or innovation. Or something. Please indulge me. If I don’t get to live at leisure, at least I can feel virtuous.
 
The co-worker whose birthday unluckily follows mine has been subject to my noble projects since we started working together. She will enjoy the delight of yet another DIY disaster tomorrow.
 
In our office, we take turns celebrating birthdays by each taking responsibility for cake, card, and scheduling for the next person in line. The beautiful, polished team-mate whose January birthday I plan also had the poor luck to draw me as her secret Santa at the holiday exchange. She ended up with a home-made bookmark and a second hand cookbook in December. Now she gets to smile politely at whatever I manage to glom together in my kitchen tonight.
 
I just can’t abide dropping $20 on the designer cupcakes. How could I possibly justify that to myself given our increased payroll deduction and my impending (inshallah) mortgage payment? Even with the time store-bought pastries would save, I can’t bring myself to do it. I mean, a gal has to spend money on all sorts of things she can’t do herself, like root canals and oil changes (and perhaps she’ll get around to tackling the latter sooner or later), so there is no earthly reason to short the kid’s college fund on something so easy. Baking? Come on. Piece of. . .
 
Okay. Last year, Beautiful Team-Mate mentioned that she likes plain-Jane yellow cake with chocolate frosting. She is an easy-going Midwestern gal who likes just about everyone and whose smile makes the boys swoon, in no small part because she has no earthly idea of her effect on them. She would never ask for anything fancy, so yellow-with-chocolate she had last year.
 
So, today on my lunch break, I schlep it over to the supermarket and buy exactly one yellow cake mix (the one with Box Top for Education for Bug’s school, of course. Ten cents right there!) I don’t start on the project until nearly 9:00pm, given bath, bedtime reading, lunch-making, dishwashing, and generally lugging around the weight of the world. When I begin, I realize I have no concept how to proceed. I mean, I want to do something special, right? Something more than yellow-with-chocolate, because. . . Why? I don’t know. Because she’s nice and she deserves a little effort? Because this is my playtime? Because I can?
 
Because it’s just really fun to learn something new?
 
While the oven preheats, I poke around the kitchen. All these things I never notice appear in the nooks and crannies, items that go bad or go stale, that we forget we bought in a moment of inspiration. Unopened sour cream. A whole cabinet full of liquor. Powdered sugar, gelatins, puddings and extracts. Nuts, chips, candies and sugars. Oh! And already on the shelf? A yellow cake mix just sitting there. I could have saved $1.29!
 
I visit a website called Yummly and type in “sour cream cake mix kahlua.” A bunch of recipes pop up. This one for mocha cake is the one I follow. More or less. I mean, who knows why — no one in this house eats pudding or even likes it — but I happen to have a box of chocolate pudding on hand. Not vanilla. Also, coffee crystals seem like a good idea, and anyway, it just play. Glop, glop. An extra egg. Who knew you could just pour alcohol right into the batter? And what’s with the pudding? Crack, whip, scrape. The whole blorp of sour cream. A little extra sugar. A few more chocolate chips? I hope the small ones are little enough not to sink. Beat, fold, pour.
 
An hour later, the faint aroma of liqueur and scorched chocolate drifts into the upstairs bedrooms. The concoction comes out of the oven looking nothing like mama’s yellow birthday cake. It is crinkled and singed and lop-sided. There is a good chance it won’t make it out in one piece. It actually looks a little tubercular, all wrinkly taupe and sunk in its fluted tube.
 
On the stove waiting for morning is a double boiler at the ready. Poised nearby are chocolate squares, butter, powdered sugar, and the bottle of kahlua with its lid already loose. Mocha glaze may be a bit ambitious for 6:30 am, but the gal’s got to try to save this poor wretch. Where first aid and a transfusion fail, try chocolate. And a hit on the flask.
 
Necessity may be the mother of invention, but a deadline is the ultimate inspiration. If disaster awaits on the other side of the bundt pan, there is always that extra Betty Crocker mix waiting patiently on the pantry shelf. It only takes about 30 minutes in a 9×13 sheet pan, and I can pick up a can of chocolate frosting at the supermarket on my lunch break. I think those go for about $1.49. Beautiful Team-Mate may have her simple, happy cake after all. Even then, I can say, “I made it with my own hands just for you.” Bug’s college fund is safe (for now). I even have an idea of how to use all that old rum and Bailey’s taking up precious space in my dining room.
 
Tomorrow at 3:00 in the conference room, a dozen of us will get our sugar kick one way or another. I can bask in the glow of my secret treasure, that proud nobility of knowing I swung it all — creativity, learning, play, and even, yes, cake — for the price of a loaf of bread.
 
A loaf of bread on sale.
 

Happy Days, Mindfulness

Happy 100 Days: 31

smirkpretty

We stand in the mist outside the restaurant stretching out our goodbye. One of the servers lingers by the back door smoking a cigarette and peering into his cellphone. Streetlights yellow the asphalt. The rain let up hours ago but it feels like it could start to fall again now.
 
“I don’t know if I’m saying too much,” she says. I want to tell her that a 12 year friendship allows for speaking versions of the truth that are hard to choke down. And anyway, tonight’s version will not stay. This right here is not anything like the last time we stood in the same spot on a June night two summers ago. I had just celebrated my 5th anniversary by realizing my marriage was over. This friend listened to me gasp through the dawning awareness that life would never again look anything like it almost had.
 
Now, it is a birthday dinner with gossip and giggles.
 
“Oh, just say it,” I tell her.
 
“It’s just. . . well, don’t let your fears about money consume you.” She nods to herself and looks at me with something like apology. Over our brown rice and sweet veggies, I had told her all about the condo. About how life is about to become even tighter. About how I still wheedle Giovanni about earning power and crack beans-and-rice gallows humor no one finds funny anymore.  She goes on. “I see what that narrow focus on money can do to a person. With my mother, it’s a real wake-up call. She has always had enough. She still does. But a day doesn’t go by that she isn’t obsessed with how she will make ends meet.” She pauses. Then,in a quiet voice, “It’s a miserable way to live.”
 
I take this in. “It’s a funny thing about abundance, isn’t it?” I say. “How if you start believing that you have enough, then you start to find these reserves of energy and creativity that make it possible to have enough.”
 
She laughs. “If I took half the time I spent worrying about things and used it on projects, just imagine how much I could accomplish!”
 
We hug and say our good nights. As I head home, I chew on the truth of her advice. She is right, of course. When I am rested and right in my head, it is as if I wake up in a parallel universe. “Look at all this,” I marvel. “Look how much is right here!” On these rare days, maybe one in a year if I am lucky, the whole earth falls open and offers herself up to me.
 
Love in abundance. Security in abundance. Resources, ideas, opportunities in abundance. Creativity is a river. Truth spills from unlikely mouths. The bond between my son and me caulks the fissures in the universe. The clock’s tempo shifts and the day spreads a blanket under the sun and reclines there, leaving room for everyone.
 
At an edge of the clearing,a breeze parts the trees and reveals the hidden trail.
 
There will be plenty to eat on the journey. There will be plenty of time to rest. There will be plenty to learn and plenty of companionship.
 
There will be plenty.
 
Right here is plenty.
 

Career, Growing Up, Happy Days, Home

Happy 100 Days: 40

smirkpretty

Less than 48 hours after making the offer on the condo, fear’s icy hands come to drag me down under the churning surface. A closer look at my budget squeezes the air from my lungs. The Wow of this has become the Ugh. What do you call buyer’s remorse before the purchase? Bidder’s remorse, maybe? If this offer is accepted, I have no earthly idea how I am supposed to make ends meet.
 
This is supposed to be the happy blog. I know. I will try to write my way there now, because nothing else is working. Thinking is getting me nowhere but further down in the cold dark.
 
Two and a half years ago when Tee’s job went away, all of our possessions went with it. Four-bedroom house, the shed Tee built for our tools and outdoor gear, furniture, appliances. All the little things a family collects over time had to go away, too: bicycles, books, dishes, linens, lamps, sleds, on and on. You can imagine. We sold tons of stuff on Craigslist. A massive yard sale that brought in $1000.
 
It was a conflagration. It was as complete as embers and ash.
 
We moved back to where we had started six years earlier. We rented a storage unit after moving in with my folks but soon realized the rent on the space would far outstrip the cost of the items inside. We emptied it, took several trips to Goodwill, and each tucked away what little bundle of marital debris we could manage in our respective borrowed bedrooms.
 
I had been out of the workforce raising Bug and being a camp wife in the mountains for five years. This set me back on the job hunt but it did not cripple me. In the wretched economy of 2010, I landed a decent job at an entry-level salary and am thankful for it every day. Even so, my paycheck does not stretch far enough to move Bug and me out of dependence on my parents. In those first panicked months of separation from Tee, I realized that no one was going to fix this for me. If I was going to climb out of my financial hole, I had to do it myself (with ample and very blessed help from the folks, of course. No way around that). Three options seemed to be available to me:

  1. Marry a rich guy
  2. Write a best-selling book
  3. Increase my income at my job

Options 1 and 2 were a bit too risky for my taste. I was fresh out of a marriage to someone whose perception of the world had never been based in a reality I recognized. I needed to place my bets on something that depended less on the whims of others. Sure, I would date (eventually) and sure, I would write (erratically), but I was not yet ready to morph into a Kardashian or JK Rowling.
I am a hard worker, though. I can kick ass when I put my mind to something.
 
Which is what I have done at my job. It helps that I love it and that working in higher ed is a great way to make a contribution while still drawing in decent benefits. I am pleased to note that 2 1/2 years into my job, I have received two small raises, a promotion, and am being encouraged to take on a greater leadership role at the university. My income has not doubled and it may never, but I have seen my effort and courage rewarded well. This gives me every reason to believe that if I keep on finding ways to grow and improve, new opportunities will present themselves.
 
It is just a little hard to remember all this when I picture being entirely responsible for mortgage and everything else my son will need to grow up safe and well.
 
A short sale can take somewhere between 90-120 days to close. This gives me a few months to tighten my belt. I think now about re-accumulating these possessions to make a home, and I see how the expense can sink a person. Tee and I took eight years to build up that foundation. It will take far more than that yard-sale $1000 to begin to re-furnish a life. If I move in the next few months, I will have to come up with stores of money I simply do not have to cover payments my parents’ largesse has helped me avoid. You know, those little things like food in the fridge, heat, and electricity.
 
I keep running and re-running the numbers in my personal budget. Where else can I shave? The internal chatter has been incessant:

If I bike to the metro every day, I don’t have to pay parking or gas. Can we get by on $200 a month in groceries? What about $150? The gym membership can go, of course. We will have to reel in Christmas and birthdays. No more eating out. I don’t need much in the way of new clothes for the next few years, and I know where to find decent used kid stuff. Shoes for Bug could be a problem. The kid needs a new pair every 6 months!

All of this, to make sure Bug and I have a home. It seems insane to do it. It also seems insane not to. With an interest rate of around 3.5% for 30 years in a high-growth area of the DC metro region, this place can be both a good home and a decent investment for our future.  If I can swing it for a couple of spaghetti-years, I may be able to come up with other creative ways to bring in money.
 
This is where the happiness warms loose the cold grip of fear.The truth is that I have every tool available to me to make this work.

  • I am already frugal to a fault.
  • My years working in a family homeless shelter taught me about resourcefulness.
  • Camp taught me to be creative with spaces and furnishings.
  • The past two years have shown me the extent of my work ethic, creativity, and willingness to try unconventional approaches.
  • I have such a great circle of supportive friends and family, I know we will never be entirely on our own.
  • Bug and I could share a room for a year and find a roommate. I know graduate students and the condo is near a university.
  • With my free weekends and my own home, I could make progress on writing projects that could bring in extra money.
  • As long as I keep my eyes and heart open, something new will present itself to help me along. It always has, and it always does.
  • A home is not the same as having a baby. It is reversible. If I get a few years into this and can’t make ends meet, I can sell. People sell houses all the time. Someone is selling this one to me.

Just because I am tired and scared today and can’t think of how to make this work does not mean it can’t work. I was tired and scared in 2010. I was blind to a way forward. Somehow, we made it here. Here is a really good place to be.
 
The  future is growing up and around me. Some of it is within my control. A great deal of it is coming here to meet me. I keep learning the lay of the land and how to move over it. Just keep walking, as they say, and the way will appear.
 
 

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Happy 100 Days: 69

smirkpretty

Safety. Such a tricky concept. I walk the streets and back greens of these townhouse complexes, asking, Is it a safe neighborhood? That idea is tangled up in so many class and race patterns, I can barely tease out my gut feeling. I never expected to land in the working class as a single parent. Suddenly, I have to face considerations of safety as I weigh affordability, quality of life, resale value and everything else related to buying a home.
 
The prejudices roil under the surface every time I walk through a neighborhood.
 
Is “safe” code for “white”?
 
Yesterday, I zipped out to a townhouse development at the western edge of the county. It sits right up against uber expensive new houses, the cushy county library, a recently built shopping center. It seemed like a lovely location. But when I got out of the car, something didn’t sit right with me. Is it a safe neighborhood? The houses seemed bare faced and a little bedraggled. I noticed men. Lots and lots of men. Most of these guys were white guys. It was early enough in the evening that I was surprised to see so many men home. They were in tank tops, jeans. They smoked. To a man, they walked dogs. One guy had four pit bulls lunging at the end of the leash. Nothing against pit bulls, but four?
 
The demographic was unsettling enough that I barely had to look at the house to know I didn’t want to live there. While I was a little ashamed of my surging prejudice, I was not ashamed enough to reconsider (it didn’t hurt that the house was a junk heap).
 
Today, a townhouse up north listed a little before noon. The asking price is $155,000. This is nearly $90,000 less than most comparably sized townhouses in the county, so up goes the red flag. What could be wrong with this place?
 
Also, what might be right? In a year or three, the new metro line out to Dulles airport will have a station just two miles from this address. Not only will that mean a better commuting option for me, it means the value of this property is going nowhere but skyward.
 
My agent gently suggests I may not be crazy about the neighborhood. She doesn’t say more because she is in a meeting and won’t be free until about 6:30pm. I do a little sleuthing on my own. I know from the map that this is an area some do not consider “safe.” In a different chapter of my life, I would have walked on the other side of the street.
 
That was then.
 
As for now, am I willing to let my biases blind me to a potentially great opportunity? Someone is going to live there, I tell myself. Why not me?
 
Is “safe” code for “middle class”? For “a majority of the people look like me”?
 
By 4:00pm, the selling agent already has an offer. The clock is ticking. I hit the road to go see for myself. I follow the same route I would it if I were to live in this new place so that I can see how much time I will be sitting in my car. I turn off the main road and pass the Turkish restaurant I like (this place would be walking distance from home!) I also pass the Taco Bell, the half-empty clothing store parking garage, and the 7-Eleven. All of these would be between me and the Turkish restaurant.
 
I arrive a little after 4:30. I start to walk. Is it a safe neighborhood? The units are small. All are ground level entries with two stories. The complex is few years older than I am. An elementary school is close enough that I can hear the whistles trilling at soccer practice. Leaves whisk across the green spaces dividing the rows of houses. Kids, kids, kids. Little toddlers wobble on bikes. Small gangs of teenage boys stroll past, chattering with each other. Moms with babies stand in doorways. A group of children on play equipment so close to the unit for sale that I can stand on the doorstep and see the expressions on their faces.
 
I see graffiti on the plastic slide. I see harvest wreaths. I see screens with holes. I see a woman who has pulled a chair out onto her front porch and is reading a book in the afternoon light. I see cars as old as mine sporting plenty of rust. I see the mail carrier walking from door to door with his satchel. I see a man standing on his threshold painting the trim.
 
I greet everyone I pass. I say hello. I ask about the neighborhood. Everyone is smiling, eager to talk, gushing about how much they love it here. Most tell me they own their homes and have for a few years and don’t want to go anywhere else. They say it’s quiet, that it’s great for kids, that the schools are pretty good.
 
I walk more. I see the open back patios cluttered with bicycles, deck furniture, grills. Nothing is fancy. A little of it looks salvaged. Nothing is locked up.
 
Open back patios as far as the eye can see, and nothing is locked up.
 
As an exercise to check my assumptions, I take my cell phone, keys, and wallet, leaving my bag behind. It is 5:30 now and traffic is thick on the outer streets. I walk with my bulging billfold in plain view, my cellphone loose in my grip. I am in a sundress in the unseasonably summery October evening. I am a woman walking alone in the dying light, money and gadgets out for the taking. I stroll past the teens loitering in the 7-Eleven parking lot, the folks hanging out at the bus stop near the parking garage. I walk all the way out to the main road, into the shopping center. I pass the ABC store. More young men on bikes rattle past. I go into the supermarket, buy a few things, and make the whole trek back. How does it feel? Safe? Mostly. No one hassles me, no one offers up more than an assessing gaze.
 
While I wait for my agent, I see other potential buyers come, walk through, leave. A little girl follows me around the neighborhood telling me all about who lives where and what she doesn’t like (she is not allowed to celebrate Halloween, but she may get a pumpkin anyway). People peek out their curtains or even step outside to see what I’m up to, hanging about. They watch the front door of the place with the realty sign. I ask a woman who has come out to look me over if she likes living here. She is holding a baby who grins and lunges for me. We all laugh together. I ask again about how she likes it here, but she does not answer. The little girl who is following me around translates the question into Spanish. The woman lights up. “Aqui? Si! Si!” She offers up a flood of words I can’t translate but still understand. She is happy here. She loves it here.
 
My agent arrives and we walk through. It is tiny inside, but it is not just a unit. It is a home. I love its bright kitchen, its compact three (!) bedrooms, and the gas range. It is old and lived in, but it is light and clean. It has been cared for. The people leaving have not moved out, so I can see how they have filled its closets and arranged their tchotchkes. A flock of angels nests in the spare room. Even with the clutter, I like the feel.
 
My agent and I talk strategy. The seller will see the offers on the table tomorrow night. This place will be under contract less than 48 hours after it listed. The list price is a steal, and she explains that there is no way this house will go for that. It will likely sell for $20,000-25,000 more. I need to consider offering much more than the asking price if I even want to be considered. She shows me the comparable home sales in the neighborhood. Another one with only a whisker more square footage sold for $231,000 a few weeks back.
 
We stand out back in the dimming light. I can still hear the distant hollers from the school ball field. My little six-year-old shadow is still running around without a parent in sight. The South Asian families dressed in gilded layers whose foreheads are anointed red paint stroll between their three different houses. One of the young women waves to me across the green. I ask my agent what her gut feeling is on the neighborhood.
 
“I haven’t sold here in several years,” she says. “At first, I thought you might be disappointed. But I could tell as soon as I pulled in that it’s changed.”
 
“Changed?”
 
“For the better. Definitely.” She nods.
 
We sign a buyer-broker agreement. We make plans to talk in the morning. The fellows whose parking space I have stolen for the afternoon give me a quick honk and then gesture apologetically as I hop in my car to leave. I wave goodbye to the woman with the giggling baby, to the men who have watched from their second floor windows.
 
During the two and a half hours I spend in the neighborhood, the only other white person I see is my real estate agent. It is odd to notice the swirl of feelings about being on the leading edge of gentrification. If I can swing this, I can give my son a home in a real neighborhood with green space, attentive neighbors, room to grow. With a monthly payment that allows for small savings, increasing property value, and walkable commerce, I might actually provide us a decent quality of life while also building a college fund for Bug.
 
Is it a safe neighborhood?
 
Perhaps safe is this: Can we live well here and build a strong foundation?
 
Then hell yes. It is safe.
 

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Happy 100 Days: 71

smirkpretty

For two years, the restrictions have been a willful suppression of pleasure. The diet was imposed by uncertainty. Not knowing how long this journey through the desert would be, not knowing how long the provisions would hold out, required strict limitations on expenditure. That control became so second-nature that it barely required thought. It did, however, require a denial of sensation and a refusal to acknowledge desire or even pleasure except in the dark moments.
 
Today, a small but noticeable shift occurred. I was able to forgo grabbing lunch out not because I wouldn’t let myself, but because I didn’t want it. Same went for parking that 3/4 mile from the metro and crossing the distance on foot. I was excited to walk and to save that $4.50.
 
For the first time, I know exactly where my spare change is going.
 
The condos and townhouses I checked out in the past couple days are within my price range (more or less) and at least one looked just about right for Bug and me. In Northern Virginia’s hot real estate market, simply finding places to see is no small chore. I have visited eight homes on the furthest outer reaches of my commute, and that’s all she wrote. Those are the only properties listed. Can you believe it? Only eight two bedroom properties under $220,000 whose condo fees are in the vicinity of manageable are for sale anywhere in two of the largest counties in the state. And only one of those is both affordable and not a roach motel.
 
It boggles the mind.
 
At some point, I have to stop letting my memory wander around the lovely four-bedroom cottage on Lake George that Tee, Bug and I inhabited rent-free a little over two years ago. Or the three-bedroom split-level sitting on the hill overlooking Four Mile Creek in the middle of Pike National Forest in Colorado, when our nearest neighbor was a half mile away and we also paid no rent. No, no use picking at the scabs. Camp was a magical, bizarre chapter in my life. It is the past. This is the here and now.
 
Here, now: the one condo that has captured my attention. I can afford it and still have a little money left to buy a couch sometime in the next five years.
 
The place is tiny. It sits underneath a larger townhouse in a crowded community. But it is cute and it backs up to a small playground. It has a fireplace and room for a table in the kitchen. A deck just big enough for a grill and two camp chairs. New kitchen appliances. A bedroom each for my boy and me.
 
I returned to the neighborhood tonight after work. The commute is tough, but it is not as bad as I had feared. Also, it sits on a bus line that feeds my metro stop. So far, so good.
 
I walked alone through its cul-de-sacs and back lots in the dark. I saw families inside their kitchens eating meals. A couple leaning close on the front steps. Halloween decorations. Harvest wreaths on glass doors. Mums along walkways. I saw a few folks walking dogs, and a few women, like me, strolling alone in the dark even without dogs. I heard only the faintest traffic hum even though rush hour was roaring along one of the busiest arteries in the region just a block and a half away. I saw people driving with care through the neighborhood. I saw tennis courts. A community room. A pool covered for winter within walking distance along back sidewalks.
 
I saw places Bug could ride his bike. I saw a patch of soil where I could plant my own mums.
 
I am not sold yet. I have not fallen in love, but that’s no surprise. My romantic capabilities have always been a bit stunted. In matters of the heart and, it appears, the estate, I tend to delay immersion until I have a good handle on depth and currents. I am learning to see the possibilities here, though, and to feel the swell of pride in knowing I could do this on my own.
 
When I met with the real estate agent, I had my questions printed in bullets and ready to fire. She answered them all, agreeing to send me copies of contract templates and a few other items so I can be ready to rock when it’s time to put an offer down. Places we are seeing are only on the market 4 days, 5, before they are under contract and gone gone gone. One property that was listed Friday was already under contract by this morning. We have to move. It’s exciting, especially for someone like me who wants to read everything and ask every question.
 
That means I sit on the metro and read. I curl up on the living room couch and read. I have worked my way through three books on first-time home buying, one for condos and townhomes in particular. I understand concepts that were indecipherable even a week ago. Earnest money. Title insurance. Inspection contingency. I am learning what to ask. I was on the phone again with my loan officer today asking for further clarification on how HOA dues and condo fees affect the pre-approval.
 
So much to define, to absorb, to sort. So much to learn!
 
I can see that if I do this. . . no, when I do this, my lifestyle is going to look quite different. But before that, first this: a single mom living on an university administrator’s salary can own a home! She is not helpless or stuck. She can provide for herself and her child while also building a life that is sustainable for the long haul. She even may even be able to replace the cabinets one day and pull up that rotting deck and build something sturdier.
 
That’s why it was so easy to bring my lunch and walk the mile to the metro. It didn’t require an ounce of self-restraint. The pleasure is not in the immediate quenching of a passing thirst. The pleasure is in walking steadily towards the mirage, and watching with shivering disbelief as it moves closer, grows larger, and resolves into clear relief.
 
Yes, it is an oasis after all. Yes. It is real.
 

Uncategorized

Happy 100 Days: 98

smirkpretty

I have brought my breakfast and lunch to work with me every day for over two years. I have schlepped the giant satchel bursting with my belongings and all this food a nearly a mile each morning to the metro. Except for those blessed days when a friend took pity on my and let me ride shotgun back towards home, I have walked that almost-mile back to my decrepit Saturn each evening. That little car has ferried me into its 13th year, and it is still chugging along. I jury-rigged part of the bumper back on this weekend with wire. The nice fellow at the hardware store also made me two new keys because the old ones were so worn down, they had started falling out of the ignition while I was driving.
 
I refuse to waste the gas and pay to park on campus when the Commonwealth will pay for my metro expenses. Also, why shell out cash for a spot in the metro garage on this end when my legs work just fine? And this too: give me one good reason to trade in the old beater if she runs well enough to get Bug and me where we need to go. She still gets about 29 miles to the gallon, which isn’t half bad for a pre-hybrid plastic car.
 
Every day, $5 stays put in the wallet because of all that hoofing it. Every day, $10 is not spent on meals because I haul those clanking Pyrex containers to work. A little here, a little there. A few bucks saved by purchasing the new(ish) dress from the consignment shop instead of Macy’s. A few more saved by not purchasing the dress at all. Pennies in the piggy bank.
 
Don’t be fooled by my righteous claims. I am far from pure. I have blown more than you would think possible on curry and Red Zinfandel when out with the gals, and I have given over to my share of impulses when Bug is off traveling with his daddy. (Did someone say “spa day”?)
 
Still. Two years of living off the largesse of the folks, painting my own toenails, and making Halloween costumes by hand has paid off. I knew I was working towards something, but I didn’t know what.
 
Last night, I decided to pause and ask myself that exact question: What is all this for?
 
Last night, I decided to stop being scared of the answer.
 
I have been telling myself it will 2015 before I can afford a place for Bug and me. Rent prices in this area will take your breath away, and the best I can manage on my income might be a small studio in the outer reaches of Fairfax County.
 
Is this even accurate? From time to time, I skim the rental listings, but have I really considered buying? Now this is a stunning prospect. . .
 
Because what I want is a place for Bug and me. A little place, just the right size for us and close to his dad. One I can afford on my own. A place to land. A home.
 
Scary.
 
Instead of getting worked up and worried about it, I stayed true to my Contract with Joy. I simply looked this possibility right in the face. What is the first step? Find out what sort of mortgage I can feasibly manage (easy enough with all the online calculators). Second, type in a zip code. Third, watch in wonder as the smorgasbord of listings within my price range appear before me. Fourth, gorge.
 
So, get this. All that scrimping and penny-pinching? I have actually managed to save enough for a down payment. A decent one. Not quite a 20% one, but within spitting distance of it. And you know what else? Mortgage payments are actually lower than rents on comparable places (duh). This means I can actually afford a two-bedroom condo in the astronomically expensive school district where Bug happens to be enrolled and still have a chunk of my monthly income left over for those little luxuries like groceries and heat. If I look outside his district, I could even afford a real honest-to-goodness townhouse, with a basement and a postage stamp yard and everything.
 
Who knew? Me! Little ol’ me, actually almost back on my feet!
 
Staggering.
 
So, I promise to make this fun. This is good news, not yet another reason to panic. Even though interest rates are at HISTORIC LOWS and housing prices have BOTTOMED OUT and NOW is the time to buy, I am in no hurry. Bug has had enough transitions for about the next three lifetimes, and I still have the pooch to consider, and I only just this week started clocking 7-8 hours of sleep a night after two years of insomnia. Maybe it’s better not to breeze past the lessons about the practices that brought me here: One small choice a day, one packed lunch, one listing, one minor act of courage. Each one accumulates. Pennies in the piggy bank.
 
Buying a home is a pretty big project. This is what I have heard, anyway. I’ve never done it before, so I’ll just have to find out for myself.
 

Outdoors

Full Spectrum

smirkpretty

Why did I hesitate to put all this glory of the sun on my canvas?
– Paul Gauguin

Every parent compromises. We breathe through our uncertainty, living in the world as it is while occasionally dotting the page with what could be.
 
We put Bug on the rolls for the county School Aged Child Care Program when he was only four years old. A month into kindergarten, and he is still number 72 on the waiting list. They tell us he might get in by second grade.
 
Tee and I spent a good portion of last year exploring every day care option in the area. We found homes crammed with untended children staring, gape-mouthed, at Dora on giant TVs in converted basements. We found KinderCare centers with such an avalanche of scathing online reviews that we had to restrain ourselves from taking up arms to liberate the children inside. The nearby private schools only provide after-hours care to the gilded young who already attend.
 
Word on the street is that the Tai Kwon Do place in a local shopping center is decent enough. It has vans that pick up the kids after school. The teachers give their charges a 30-minute martial arts lesson, a snack, and play time in a small nook at the back. Bug and I visit on several occasions. The kid’s default is to notice the things in front of him, and he has only just begun to long for what is absent. Bug does not even register the adjacent nail salon or the lack of outdoor space. These are my issues, and I buoy my tone up above the churning resistance in my belly. Watching the students practice their kicks and shouts, Bug bounces and begs to join.
 
Not even a postage stamp yard for a jungle gym? Cramped quarters? A Leviathan flat-screen TV in the back of the room where the after-school kids gather? I force myself calm with little mantras. It’s only temporary, it’s only a few hours a day. He’ll be fine (and even if it’s not, what can I do about it? We can’t afford a nanny or a private school, and I have no choice but to work).
 
I only allow myself a single blink at the image of what I want for Bug. The saturated hues are bright enough to sear. It seems so foolish to covet the impossible, but I know exactly what it is: Real. Living, breathing, tactile, sensory. A wide-open green place where he can run and climb. Games and balls and unscheduled time with friends to spread out on a floor to paint or build. I want there to be no electronic babysitters. I want adults within reach that understand child development but also back off and let their charges find their way. I want Bug to get bored and wander through that uncertainty until his hands take up some task that speaks to him. I want him to track the seasons by simply being among the trees. I want what so many parents want: My kid tapping into his unlimited self on the living earth, playing hard with his whole brain and body engaged.
 
What is the use of giving shape to the impossible? We are poor(ish), nothing better exists, and I have to work. So I do not give that Real more than one swipe across the canvas before setting down my brush. This is as good as it gets. My wildly outdoorsy kid will only get to play in the fresh air on weekends. He’ll go to a good kindergarten, and be blessed by the fact that his dad and mom both love camping.
 
Tee and I sign the contract and pay up. Bug would spend 15 hours in a strip mall. Breathe, lady.
 
When mid-August arrives, we put Bug in the Tai Kwon Do day camp for a few days to acclimate him. I pick him up at the end of Day 1, and he tells me about their trip to the park and their short martial arts lesson.
 
“What else did you do?”
 
“Watched a movie in the morning. Then we watched another movie when we got back!”
 
Day 2. The field trip is to – yes, you guessed it – the movies.
 
“What else did you do?”
 
“In the morning, we watched a movie. After Tai Kwon Do, we watched another movie!”
 
Three movies in one day? Bug is very, very happy at this turn of events.
 
Day 3. The field trip is to the pool. This time, when I drop Bug off, I walk with him all the way through to the child care nook in the back. The chairs are lined up in rows. The TV is blaring Disney’s Peter Pan. Not a crayon, block, or board game is anywhere in sight. I have never really looked around before, but now I see that all the cabinets are stuffed full of martial arts equipment. The floor has no train set, no bin of legos, no easel or pegboard. The bookshelves house trophies. The tables are bare.
 
This is not a child care facility. It is a storage closet.
 
It is 8:00 in the morning, and I am paying this place for 9 hours of DVDs. I could take him to work with me and provide that kind of childcare myself for free.
 
I leave in a panic. In two weeks, school will start. This is what awaits my son? During the commute, I turn my universe upside-down trying to shake out another choice. Maybe I could quit my job. Maybe Tee and I could get back together and I could work so he could stay home, which is what he wanted anyway. Maybe I could beg my mom to retire. Something? Anything?
 
There is only so much compromising any of us can do. At some point, we hit the core of what we believe about the world, and we either have to change what we believe or we have to change the world. I can put my kid in a strip mall. I can contort my schedule into a pretzel to accommodate easy transitions before school, as I described in this post about the enrollment choice. I can even allow the occasional hour of Nick, Jr. if it takes place at the end of a dynamic day full of real life. I do believe in letting go of some rigid plans for my child.
 
But I also believe in the open sky and in the beautiful play of the body and mind when they are free to roam. I believe far too deeply in calling out the pulse of our humanness, of our mammalness, at every opportunity. We dull too many edges with our entertainments and ill-conceived inventions. We grow numb far too early, and we rebel far too rarely. When my son was born, I made a quiet promise to him and to the world for which he will someday be responsible: My child will have poetry and he will have the earth under his feet, and he will learn to be a steward of this precious place. Even if it means I throw out the safe-enough income, the health benefits, and the someday-home-of-our-own, my child will have the real. I will work part time and live in a rented basement before I let him spend his 42 weeks a year in a place that thinks it’s okay to stultify our beautiful young ones with three #&%*$ movies a day.
 
I arrive at work and start trolling. Internet. Phone. Someone, somewhere. Every place within the zip code of Bug’s school, I check again. Same names of the same desperate ladies in their cramped townhouses with the TVs doing the babysitting. Same big-box profit-hungry franchises. Same elite institutions with no transportation provided to and from the public schools. I expand my search to the next zip code. I have already cried twice, and it is only 9:00am.
 
Then. I stumble upon this place out on the very edge of the district boundary line. The website describes hands-on learning, farm animals, and free play. It is country day school, drawing on Dewey’s experiential roots and the progressive tradition.
 
I call. “Do you have openings for after-school care?”
 
“Before and after-school, yes.”
 
“You are in our elementary school district? Really?”
 
“Yes. The bus picks up here in the morning and drops off here in the afternoon.”
 
“Can I kiss you over the phone?”
 
Giovanni, my knight in shining armor, takes a hiatus from work, picks me up and whisks me over the twisting country road past million-dollar homes and horse barns. We pull up to the address and step out into the sun.
 
Into the Garden of Eden.
 
Five acres of land. A sledding hill. Two playgrounds with hand-hewn wooden play equipment. Chickens, a goat, a pony. Jumbled flagstones wind through an overgrown garden and pumpkins spill from vines behind the fence. Peeling layers of children’s art plaster the walls of an old, rambling house whose rooms are cluttered with books, board games, blocks, balls.
 
Other than a single computer in the office for the Assistant Director to send emails to parents, electronic screens are verboten. The bus ferries kids between this paradise and Bug’s school every morning and afternoon. Even with the addition of the before-school care we need, this utopia is only marginally pricier than the Tai Kwon Do place.
 
Most importantly, there is room for my son. Plenty of room. Acres and acres of open sky. He can run with his arms stretched out and swallow the whole day.
 
Now, when I pick Bug up at what he calls “the chicken school” at 6:15pm, he is pink-cheeked, grubby, and usually perched at the top of a jungle gym lording over the playground. He does not want to leave. I sit at the picnic table and watch him dash up and down, past the rabbit in the hutch, over the relentless weeds, dust flying.
 
For a time, I did not believe in anything but the limits of this new life. I did not allow myself to see in color because the dulling gray of resentment and grief had so blanketed the beginnings. Leaving behind a marriage, a life in the mountains, and dreams of a happily-ever-after can bring on temporary blindness. It hurts so much, that distance between what is and what could be. It hurt enough that I built a prison in my mind and stopped letting in the light. It is safer there, no?
 
Stay there long enough, and the temporary condition becomes permanent.
 
I have spent far too many years – years well before Tee – only letting my trust go so far. This here is enough, I say. This here is as good as it gets. I will learn to live with it. This time around, desperation forced my hand. I hit the core of what I believe about the world and teetered on edge of trading my faith for a release from the duty to serve that calling. A small existence may seem a safer bet than facing the possibility of change, but it’s an awfully expensive deal. A compromise of that magnitude is pure capitulation. Thank goodness the pulse of life is stronger than my cowardice.
 
This gift of a perfect way-station for my son arrived at the moment I refused to settle any longer for just good enough. I want to hold onto this small truth: it is an act of courage to believe there is more to this journey than surviving on scraps. It is never too late to voice desire for what can be, to dip the brush into the richest colors, and to use the whole spectrum to craft a life.
 
No more picturing toil and limits. No more hard, dark images of poverty. I shake off the hair shirt and surrender the title of martyr. Artist is much more to my liking. I pick up the brush. I paint the world abundant, and so my son and I are rich beyond measure.
 

Uncategorized

Homeward Bound

smirkpretty

My parents were the age I am now when they bought their first real house. We had lived in several apartments and a townhouse during my earliest years, but it was not until we moved onto that corner lot that I found my Tara, epic and tortured and almost breathing with coming-of-age angst. It had three bedrooms and big trees for climbing in the yard. The neighborhood boasted all the accessibility and leafy quietness of one of those rarified zip codes everyone knows is the perfect place to raise a child.
 
The house is still there, squatting on prime real estate wedged between the Beltway and the red line in Bethesda. I drive by it sometimes and feel my stomach clench in a fit of nostalgia and hunger. Inhabiting one of those doomed swaths of DMV land where swollen mini castles erupt from the still-warm remains of modest post-war bungalows, the house may be seeing its final days.
 
Drive-bys are just one symptom of my unchecked covetousness. The dear people closest to me gently suggest that I am a bit obsessed with money. Fear about Bug’s and my financial situation clings to me like some kind of unpleasant aroma. The jokes I crack at lunches with co-workers about our salaries are usually too loud and too close to the bone. I find it hard to control myself. The paychecks come in twice a month. They are adequate for here and now. Here and now, however, is not adequate for up and out.
 
The exasperation of the dear ones has long since eclipsed indulgence. No one wants to hear (again!) how tight things are, how frightened I am, how tough it is occupying this point on the financial spectrum. Someone out there is happy with less than what you have, they remind me. Someone out there is unhappy with more.
 
What if you already have enough?
 
I have a sweet tooth for drama. This is not news to anyone. Low-dose panic is my drug of choice. In a rare show of equanimity, I am taking their words under consideration. Is fear feeding the anxiety? Have I lost perspective? Perhaps the dear ones are right. It might be the case that I am so caught in this loop of defeat that I am unable to see how far my finances can stretch. Is all this quivering anxiety just me being a little hooked on the flavor of my own misery?
 
If my paycheck is sufficient to support Bug and me in our own place, I might actually have to get off my frightened ass and make the leap. I claim I ache for a home. A Place of Our Own is my official Red Ryder carbon action 200 shot range model air rifle. But maybe I don’t entirely trust myself to manage alone. If I wake up to find that possibility under the tree, will I shoot my eye out? Having enough would, after all, mean the end of this recuperative chapter in the suffocating security of my parents’ nest. Might it be that the truth of my terror is not in being stuck but in becoming unstuck?
 
Clearly, it is time to take an honest accounting.
 
I am a stranger to neither fiscal prudence nor a precise ledger. In all the years Tee and I were living together, I kept us on a noose of a budget. A single YMCA camp income supported our family of three, covering everything from staggering health insurance premiums to dog chow. One of my many jobs as the captain of the domestic ship was to scrimp, save, and track every penny. I made the baby food, hung the cloth diapers on the line, and hand-crafted the holiday decor. We traveled only to visit family. We ate in. Every single month for five years, I reconciled the budget. By some kind of financial sleight-of-hand (and more than our share of help from the ‘rents), we lived just a hair above the poverty line without ever feeling the pinch. We were actually comfortable. Never in all that time did I carry anything like the sickening panic weighing on me now, even though my current income more than the Y ever paid Tee.
 
This week, I bit the bullet and sat down with my Excel spreadsheet and a pile of bills. I mapped out the year ahead with Bug’s transition to kindergarten and the corresponding reduction in childcare costs. The budget contains 27 items spread out over 12 months. I tried to keep it austere but realistic, including meager numbers for dining out and clothing along with slim grocery expenses. The thin trickles into retirement and Bug’s college fund were saved from the axe. Cable and wifi were slashed along with any travel pricier than a day trip.
 
In the end, I tallied up the numbers. If I move out of my parents’ house in the next year, I will have enough money for a two-bedroom apartment. In Peoria. As for a location in Fairfax, Arlington, Loudon county? I cannot even afford a studio, let alone a condo or a townhouse in which my son can have a room of his own. Understand this: I hold an administrative faculty post at George Mason University. The position requires a master’s degree and carries an assistant director title. After bare-bones living expenses, the salary leaves me a mere $900 a month for rent, taxes, and utilities in an area where a bottom-end two-bedroom apartment is $1800 a month, before utilities.
 
They say public service is noble. Where can I trade in all this nobility for a little dignity?
 
This is not a woman who is eating her own tail in a solipsistic frenzy over money. My perception is not skewed, and objects are not appearing bigger because I am viewing them through the side mirrors. The situation is, in fact, just as dire as I had thought. The number gazes right at me with its italicized crimson smirk. It will not diminish unless I cut out things like trips to the dentist. Or Christmas.
 
The number is real. Also, it is not. For now, Bug and I are secure in this way-station, parked in a house which does not eat my earnings for an appetizer and then come slathering after my savings for the main course. The number is just this: a sign of how much further I have to go and how different life is going to look for my son growing up than it did for me.
 
The dear ones guide me away from my talk of financial trouble not because the trouble is false, but because they are helpless to ease the burden. We would all like to believe poverty is a state of mind and that overcoming it just takes hard work and a positive attitude. I am guilty of this half turn from uncomfortable truths. During the three years I spent working in a shelter for homeless families, I was a dogged cheerleader. I advocated for the guests to keep plugging away, and never ceased maintaining that the right combination of social programs and part-time jobs and bus vouchers could move a family into permanent housing. The fact of the recidivism rate – a number I cannot recall, but whose smirk had fangs much redder than my little spreadsheet figure – was hard to look in the eye.
 
Nonetheless, one has to believe against the evidence. What the dear ones are really saying is that the only alternative to faith is despair, and that is a sure exit ramp to ruin.
 
I can’t own a house any time in the foreseeable future, but I can own this: $900 a month free and clear is not chump change. Draw at random any one from among the 7 billion, and odds are she lives for a year on less than my monthly surplus. The generosity of my parents combined with that minor excess keep us from sinking down under the poverty line. I know better than to wallow. We are rich. We have trees in the yard, and Bug does have a room of his own.
 
A $900 rope is in my grip. I cannot see how far it stretches over the cliff face, but I know the only direction of travel is up. How I use my muscle to put that cash to use will determine how high we can climb. I clip one strand of it into a savings account to tether us to an embryonic down payment. A fraction hooks into Bug’s 529 plan so he is not choked by college debt in 15 years. Another thread harnesses us to a retirement account. With these small outlays tied on and my kid strapped firmly to my back, I climb.
 
I picture what is waiting just up over the lip of the rock. It is just out of sight, but it is there, the door open, a tall glass of something over ice waiting on the porch rail. I picture my son at the age I am now standing on the front step, watching for his retired and nimble mama to pop up for a visit. I picture home, and up we go.