Oct 05 2008
Money Troubles
John replied, “If you have two shirts, give one to the poor. If you have food, share it with those who are hungry.”
Luke 3:11 (NLT)
Right now, many Americans are scared, frustrated, and angry about the economy. Even those of us who aren’t facing foreclosure or bankruptcy are feeling a distinctly painful squeeze: every trip to the grocery store or the gas station leaves us feeling physically, not just fiscally, drained. I know that I’m cutting corners and making hard choices; for those of us who have already cinched our figurative belts as much as we possibly can, it’s disheartening to realize that we must find creative ways to trim even MORE fat from our budgets.
I’ve stopped reading articles about how to save money in small ways, because they have nothing new to tell me. Cut out the daily $4 latte? I brew my coffee (generic, bought on sale) at home. Change your own oil? Just yesterday my husband changed the oil in both our vehicles (though I kindly pointed out to him that we didn’t save THAT much money over taking the cars to the shop since he is a motor oil snob and will only buy the top-shelf product). Cut out unnecessary entertainment expenses? The last time I saw a movie in a movie theater was when I took my mother-in-law to see Sex and the City. The time before that? My husband indulged my desire to see Sweeney Todd. (No movie screams “Go vegetarian!” like that one.) So I think I’m averaging a ten-dollar movie ticket about once every twelve months.
In short, I’m doing almost everything I can to keep a lid on my cash outflow (I won’t deny some unnecessary expenses; I am thrifty but not inhuman) and I’m still feeling the burn. As America slides towards a recession - some would argue we’re en route to another Great Depression - I can’t find anything new under the sun, and I doubt I have any great advice to give to families struggling to make ends meet. Well, except for one thing.
Give.
Say what? Yes, give. Oh how darlingly cliche, you think, Emily must subscribe to those touchy-feely Christian sad-itudes like “It is more blessed to give than receive.” Well, almost. I feel awful damn blessed when I receive. I LOOOOOVE getting free stuff. More than one employer has persuaded me to stay late by offering me a free meal. Christmas is my favorite holiday not just because of the peace-on-earth goodwill-toward-men Tiny-Tim bullcrap but because I like getting presents. (Throw stones if you must; I’m just honest. And immature.) However, my self-indulgence also works in the favor of my friends and family: I like giving presents almost as much as I like receiving them. And as corny as it sounds, some of my favorite Christmas memories involved delivering food to needy families during the holidays. Or shopping for people I don’t even know so they’ll have gifts under their tree, too. One of the many things I learned working at a local church: there are a lot of people out there in worse shape than I am. And it feels good - really good - to give to them.
It has occurred to me that a lot of us probably feel so stretched financially that our first reaction is to be selfish, to reign in our spending by saying no to charity gifts. I think that’s the worst mistake we can make. When times are hard, we will all inevitably have to rely on the kindness of friends and family - sometimes on the kindness of strangers. Not only does it make good business sense to build up our charity karma, and it also gets our minds out of the “poor me” mentality.
A few months ago, my husband and I were talking about how heartbreaking it is that many homeless Americans are American veterans. That conversation inevitably led to us remembering, out loud, that no matter how bad we’ve got it, we at least have a roof over our heads. Thank God! For that reason, we chose to make a monthly donation to the DAV’s Homeless Veterans Initiative for the first year of our married life instead of spending hundreds of dollars on party favors for our wedding guests. Oh, I still had a gift to hand out at the reception - heart-shaped American flag pins accented with a yellow ribbon and affixed to a card informing guests of our pledge and offering additional information about the initiative. I felt exhilarated at the idea of giving our guests a small trinket that symbolized something much bigger - rather than giving them a handful of chocolates emblazoned with our wedding date.
Interestingly, our wedding date fell right in the middle of my company’s annual United Way campaign. As I considered what I could give at the office, I thought, “Well, I’m already giving X amount of dollars to homeless veterans. Isn’t that enough?” I decided, no, it wasn’t. I make room in my budget for cigarettes and wine, for goodness sake. I can make a little more room in my budget for charities that make a difference in my geographic area. A $10 per pay period gift may not be a lot, but it’s a small stretch for me. It’s $10 to help someone that doesn’t have the same opportunities and support system I have. It’s something. It’s the right thing to do.
Look, I’m not Bill Gates or Angelina Jolie. My financial donations will not save a third-world country, but they may cover a hot meal for someone who is lonely and feeling unloved. I’m not a particularly wonderful person. What I am is someone who has been humbled, over and over, by the generosity of others. And I feel obligated - even honored - to open up my heart and my pocketbook to someone else. I feel that it’s essential to my economic survival, because when we close our hearts to someone in need, we close our hearts to having our own needs met, in the most wonderful and surprising of ways, when we cannot meet them ourselves.