Evicting the roommates was a swift affair once I called in the big guns. You’ll remember from last time that they had stopped paying rent and the situation was dire. M flew in from Seattle to “negotiate” (a punched hole in the wall was involved as I recall – the Czech girl’s boyfriend was the temperamental sort). I was cowering somewhere out of sight and didn’t witness the event. The couple left with a string of muttered Czech words trailing behind, cursing my name, I’m sure. Freed from thongs and mountainous cigarette ashes, I advertised for a new roommate, and a lovely woman who loved to clean moved in. Though we became friends and our apartment looked less destitute, by now, my whole experience in my beloved city seemed…wrong.
Yes, I loved my job working on the Pottery Barn catalog, and happily arranged photos of sofas and sconces into layouts. I sighed with contentment every morning as I entered the beautifully designed office space, and I delighted in pow-wowing about various shades of the hue du jour with the Color Manager (it’s true, there was actually someone with that job title and her main responsibility was to make sure the colors looked right in the catalog). But the pay left a lot to be desired, and the truth was that I really wasn’t the type to climb the corporate ladder.
As for my second job, I convinced myself that my moonlighting gig as a dispatcher for a community safety program was a good use of my time — it entailed recording activities in the downtown area while rovers/safety officers roamed the streets or “beats” to make sure that all was kosher. “Beat 1, report condition, over,” I would say authoritatively into a walkie talkie while sitting in a small office in downtown, and the walkie talkie would crackle, “All clear, over” or “Code 235, over” (translation: drunken homeless activity resulting in injury, call an ambulance asap). Etcetera. Food stamp dissemination days were raucous and dangerous. The pay, as you can imagine, was laughable.
All I seemed to do was work. And still, I was broke.
When faced with debt, there are only three rational steps to take:
1. Reduce spending
2. Increase incoming funds
3. Both of the above
But if humans were rational creatures, none of us would be in debt or overweight or anorexic or in unhealthy relationships. We would all live in clutter-free homes and crime wouldn’t exist. Procrastination would be a myth and therapists would be obsolete. We are irrational beings, filled with emotional compulsions, habitual impulses, family values absorbed or scorned, social influences, primal needs and wants, the propensity to find justification — all these factors are viewed through the various filters that are like fun house mirrors. They warp and twist and distort the simple equation of rationality. It’s what makes us wholly fallible and profoundly creative.
I was doing my best at being rational and taking all the correct steps: I’d cut all the non-essential spending I could, worked two jobs, nixed my social life. Yet, I could constantly feel the familiar and tantalizing tug of “maybe if I buy that [insert some shiny object], I’ll feel better. I deserve a little something for working so hard.” The more I resisted, the stronger the irrational pull. It was only because of M and the astronomical guilt I felt about his generosity that I didn’t succumb. Okay, I did succumb once in a while. But rarely. Despite my efforts, though, I wasn’t making fast enough progress on my debt-reduction plan.
I hadn’t fooled anyone and I knew that the San Francisco life I originally tried to create was like visiting the Hollywood studios. The artfully constructed sets look great from the front and on the surface, but a quick peek would show you that there was nothing behind them — just the backside of the cheap plywood structure hastily erected and a tangle of messy wires. I’d dismantled my little land of make believe and it didn’t feel liberating at all. Just empty and sad. I needed to learn how to build real things. Solid, immutable, deeply valuable things.
It was time to leave San Francisco. M and I had been discussing the possibility of my joining him in Seattle and I figured that if I was avoiding all social contact in SF, I might as well move to a more affordable place where I knew no one save M, and earnestly work on getting rid of my debt. So in March of 2002, I said a solemn and defeated good-bye to the city of lights and headed to Seattle.
I am going to fast forward here because I feel like I need to get to the point. The next phase was a lot of slogging through. So much happened, mostly bad, and M and I teetered on the edge of dissolution for many years. We lived together in one frightening apartment after another (I’ve since discovered that it’s his specialty to find scary living quarters, but they were cheap). With the dot com debacle, jobs were scarce and M had trouble finding work. I was lucky enough to interview at several good companies and worked an insane night shift position that paid the best out of my options. We had no car so I rode a bus across town at 11:30pm to basically babysit petulant workers unaccustomed to supervision, then I took two more buses after I slept a couple of hours to tutor rich high school kids in English literature. While working the night shift, I became friends with the grocery clerks at the Safeway down the street because I had nowhere else to go at 3am on my breaks. I was intrigued and inspired that my friends had saved up enough money to send their kids to college with their cashiering job, and seriously considered applying myself and punt the tutoring job. However, I was promoted to a daytime position after a year so I put the cashier idea to rest.
At this point, my income was over $60,000 and I was getting regular bonuses and raises each year. I covered all expenses as my repayment to M and that included rent, utilities, our phone bills, his gym membership and whatever he charged on his credit card. For two years, all I did was work and pay bills. By the middle of 2004, my student loans were paid off 5 years ahead of schedule. And in December of 2004, I opened my tracking notebook as I did every month, and I’d finally hit the magic number: $13,000. In one year and nine months, I paid M back in full — my $30,000 debt was gone. Two months later, M proposed.
I often wished for a magic bullet while I was in debt and in the back of my mind I thought that if I looked hard enough, I’d find it. I wanted to pay it all off without anyone knowing, while maintaining a stylish appearance. No magic bullet exists, of course. Yes, I was blessed by M’s magnanimous nature, and if it weren’t for him, I probably would have continued accruing more debt at the rate I was going. He’s the hero of this whole story. In accepting his money though, I’ve wondered if I ended up paying a greater price: M may never fully trust me with money. We’ve talked about this. And maybe he shouldn’t. Maybe it’s an important awareness for both of us to have — that I am prone to trying to keep up with the Joneses, that I tend to fill emptiness and insecurity with material acquisitions, that it’s easy for me to revel in the brief high of feeling like I belong because I have the right bag, the right pair of jeans, the right smart phone.
It’s now been 10 years since I paid that last bill, and we’ve remained debt-free. To get here, I’ve had to find ways to make more money, spend less, lather, rinse and repeat. But the two most important ingredients for me, I found, were accountability and removing myself from surroundings that triggered my spending. As long as I kept my debt shrouded in secret and continued to interact with people that I wanted to impress, I kept digging deeper holes for myself.
It’s been hard, this unmasking. I’ve spent many years thinking about how I let my spending get out of hand, and beyond the usual explanations of wanting to fit in or the lesson of learning how to accept myself, I needed to understand how to stay debt-free. To create practical new habits. We make conscious and sometimes embarrassing choices to this end. We rent a run-down townhouse that fits squarely in our budget and drive a jalopy that is a far cry from the Lexus I declared I’d cruise around in when I was fresh out of college. But we bought it with cash and it runs just fine. We don’t use credit cards. Ever. We have savings and never touch it. I choose my friends carefully. Most of all, I listen intently for that tantalizing call to pretend to be someone I’m not — it’s how I know I shouldn’t be in a particular situation or with a certain person.
I’ve realized over and over that whenever I act out of a need for external validation, my life starts to veer off in the wrong direction. It hasn’t been just the debt. My health suffered by staying in jobs that sounded impressive. There were many bad relationships based on dating guys who fit the “right” mold, the kind of boys other people would approve of that I didn’t actually connect with. I ardently believed I needed to be thin to be accepted, so I dieted like a maniac. And on and on and on. The debt, however, was one of my biggest lessons to date. It was easy to buy an image on credit, to borrow the illusion of happiness with the best of intentions to pay it back later when I hoped my projected image and happiness would have solidified into reality. Except it didn’t happen that way.
I have more to say, but my story is at its end. I think there are many, many ways to go about eliminating debt if that is something affecting your life. My way was unglamorous and filled with shame for many years, but only because I made it that way. I believe it can be done with dignity. I’m clearly not a personal finance expert so I don’t have answers, but I do know this: most of my possessions now are humble or secondhand or wonkily handmade, but I’ve never felt richer. I have my health. And my family. And good friends. And time to create. These, I believe, are the true currencies of a rich and happy life. One more thought: after ten debt-free years, I am finally learning how to build real things. Solid, immutable, deeply valuable things.
And now for the Giveaway!! With 2015 rapidly approaching, perhaps some of you have New Year’s goals or resolutions in mind? I have a piece of paper stuck above my sewing machine with the word “gratitude” — I’ve long stopped consciously noticing it, but I find it to be a helpful reminder when my eyes occasionally focus on it. I also like the word “perspective”. I wonder if you would like a customized illustrated word of your own? Or maybe a cute animal or a portrait of your child(ren) wearing an outfit? Amber brought up the custom illustration idea and I thought it sounded like loads of fun.
I would love to offer 10 custom 5 x 7″-ish illustrations. They will be original watercolors on coldpressed paper. To enter, it’s a bit interview-esque, but I liked this question that my editor asked me recently: “What would you like to be doing in five years?” For me, I’d like to be working on another book or two and have my own studio where I’m cranking out beautiful clothes and fun illustrations and much-improved photography!
I will keep the giveaway open until Christmas and will announce the winner shortly after. I don’t need to mention that international folks are more than welcome by now, right? Good luck!
Thank you for reading
My tale of money matters
Parts 1, 2, 3, 4
P.S. My mama is in town and ’tis the holiday season, so I will take next Monday and Wednesday off. Merry, merry!