Many childfree people have cited environmentalism as one of their reasons for not having children. An Oregon study confirms this reasoning. A choice like not having children has 40 times the positive impact on the environment as actions like recycling.
My family tries to recycle, drive fairly gas efficient older cars, and reduce our emissions in other ways, but we often forget or aren’t perfect. I am glad that my choice to be childfree is also in line with my values, including environmentalism.
A lot of discussion about universal healthcare pros and cons are going on right now. And I wanted to point out, that in many ways the US already has a plan for paying for healthcare: bankruptcy. Its a sneaky little tax that filters through several levels until it gets back to tax payers. 62% of bankruptcies filed are predominately medical debt. I worked in the bankruptcy field and I looked at a lot of bankruptcies–I have heard the arguments that folks are bankrupt because of wastefulness, credit cards, luxuries, nice shoes, nice cars, what have you. It frankly is not true most of the time. People go bankrupt because of staggering medical bills, in the tens to hundreds of thousands. Private insurance companies want you to believe they are the better option, but 73% of those who went bankrupt because of medical bills, had medical insurance.
What happens when someones debts are discharged under a bankruptcy? The creditors absorb the costs. Thats right, they just don’t get paid, or they get paid a small amount from the debtor’s assets. What is the hospital, doctor, or other healthcare provider going to do then? Raise costs for everyone else who can pay and raise costs for the insurance companies. Then the insurance companies raise costs for customers and employers who provide it to their employees.
Imagine a USA where the burden for paying for healthcare was spread out among tax payers in some clever way devised by congress. Very possibly, there would be less people in crippling debt, 62% less people going bankrupt–73% of which were paying for part of their services already through insurance.
You would think that the majority of bankruptcies are families with children, but as a bankruptcy legal assistant, I saw near as many that were singles and childless/childfree couples. This is an issue that affects us too. This may seem overly politcal for this blog, but I found it unfortunate that most people don’t know the reality of the system, we are already paying for universal healthcare, its just in a roundabout way that creates more and more situations where more people go bankrupt. The cycle keeps getting worse, as costs go up more bankruptcies, then there are more costs, in 1981 only 8% of bankruptcies were medical debt driven. Lets figure out some way to stop the cycle. I think it is wrong that our universal healthcare method (bankruptcy) is such a dire choice.
constantly job searching - photo by Aaron Edwards
So I have to provide company names and addresses for at least three job contacts (not temp agencies) per week to comply with unemployment. This has been incredibly difficult for me. It shouldn’t be so hard, my neighbor who is unemployed doesn’t have as much time to look as I do, he has to watch his six kids. No job, no daycare. I have quickly filled up my free time with volunteer work and internships as well as painting commissions to make a little cash. I thought that I had mad internet skills for job finding. Like many of my generation Craigslist is the go-to for job advertisements, and most are anonymous. I was checking the newspaper, monster, and craigslist, as well as my local unemployment listings and a local job website. I apply to a lot of anonymous listings, but they don’t count for Unemployment Audits. I usually find my three, but it was a struggle leading to sometimes applying to bad fits and getting reprimanded by the hiring attorney for wasting their time, “you don’t know Spanish, why did you waste my time”. I have my little tricks for finding contact info among the plethora of anonymous job advertisements:
* If there is an email address in the advertisement it is often something like jjones@blahwebaddress.com. If I try typing blahwebaddress.com into my browser, sometimes I end up with a company webpage, with tada company name and address! One job contact out of three!
* Sometimes there is a PO Box or Fax number. I try going to google and putting the exact fax number in the search field. Sometimes it turns up a listing for a company and address. Bingo! Two contacts out of three.
BUT:
* This third contact has been the bane of my existence, I usually find two in my field with addresses a week, and by Friday and Saturday I am scrambling. Well today I met with an Employment Specialist at our local Employment department, and she gave me some awesome tips! These two website are meta search engines: indeed and simplyhired. These little sites do all the hard work for you. They go to yahoo hot jobs and monster and career builder and big fortune 500 company career web pages and find you a gaggle of job opportunities. I found three more openings at some big insurance companies. Wow I am way over my minimum three a week.
Its hard for me to always bring my topics home to childfree lifestyle. But I get some of the most hits on my blog because of my Resume article, and so I thought I would add some more wisdom as I get it.
Well, this is a common theme for me these days, and the main reason I don’t post very often. I am still unemployed. You would think since I have more time home I would post more often, but actually I don’t have as many topic ideas as when I am surrounded at work by other childfree and childed professionals.
However, I did realize, that while I am unemployed, and while my childed neighbor is unemployed, we are spending our time rather differently. He had to take his kids out of daycare. He still spends time doing things he likes: repairing computers, cooking healthy dinners, chatting with the neighbors. I hope he gets the best out of this time home with his kids.
Meantime, I am spending a lot of time reading, gardening, hiking, trying to make myself clean, writing poetry, and going back to school. I also spend time working out our food budget and collecting charity food baskets. I am really looking forward to the fresh produce from my garden that will supplement the cans and dry foods diet we are on right now. Of course, I spend time looking for jobs. I can sure tell you that when the job advertisement pages are as short as they are right now, it doesn’t take very much of my time.
My new adventure is to volunteer for non-profits in my field. I work in the legal field, and I am going to do an internship at a courthouse and volunteer for a environmental non-profit agency fighting to protect wild areas in my region. This will help keep my resume fresh and me busy and feeling good about myself.
I have had considerable luck entering blog contests. Usually a blogger has something they can give away, a book, a computer program, or some article of clothing. The product given is dependent on the type of website. Blogs usually have small readerships, and usually the blogger chooses the winner either based on the quality of the comment entry, or randomly out of a hat. Either way, if you are competing against less than a hundred folks, your chances of winning are pretty high.
Recently I won free tax software from poorer than you And I wanted to send out a big shout out of thanks! This will help put more money in my pocket faster, as well as into the pockets of my two roommates. Cheers, let the money flow in.
I think one of my roommates had planned on going to a tax preparer to have his simple federal taxes done. He is single, with no mortgage or medical bills, and he only had one job per year. These tax preparation places charge upwards of a hundred dollars to prepare taxes. Now of course if you feel over your head and have lots of special deductions, than I understand using a service. Great thing is, this free tax software seems to be the same software some of the tax preparers use. Double win!
Childfree folks have some disadvantages doing taxes, less deductions because no dependents or children. However, don’t short yourself, a lot of the tax breaks that seem like they are for kids only apply to adults too. Do you care for an elderly relative by providing for the majority of their expenses? Are you going to college and paying for it yourself? In both cases, you should investigate possible credits and deductions that might apply to childfree families. Folks making less than 15K a year also might be eligible for earn income credits–although its a benefit usually reserved for childed families, you might be eligible, its worth looking into.
One of my friends survival mamaoften wins these sorts of contests and receives craft products.
I suggest only entering contests for things you really want, for example, often I see contests for finance books, but I only enter the contest if I actually want the book. What is the point of winning something I can’t use? I would rather stay out of it and increase the chances for someone else.
I am currently looking into having one of these sorts of contests myself, I will let you know when I find something appropriate to give away.
The feeling of value I internalized from working and earning money slowly deteriorated after several months of unemployment. True, I was working in a hostile environment in the first place, so my self-worth was suffering from the constant abuse from my boss. (I mentioned her earlier, the one that felt volunteering to help a troubled child was immature in comparison to her being a mother…) However, I am dealing with bad feelings after losing my job.
But what is a person to do when the unemployment could loom on for months? In the recession around 2003, my mother and my aunt were unemployed for a year. A friend, I respect, one of the most innovative and hardest workers I know, Taylor Elwood has been out of work for 5 months. I really can’t expect to pop into work any day now. And I have to stave off the feelings of worthlessness if I am to keep positive. Here are some things I am doing to cheer myself up and stay confident:
*Talk to friends. Talking to other people you respect and getting their feedback about their own periods of unemployment can really help me feel like I am not alone. If my mom, my aunt, and my friends have all gone through it–all of which are awesome workers–how can I blame myself for this period without work?
*Do something fun. Sure money is short, but when will I have so much time again? Gas prices are way down, I feel like I have teleported eight years into the past–so driving to the beach doesn’t feel like an expensive luxury anymore. I still plan to conserve and save money, but a nice local road trip can really change my point of view. My brother and I went to a really awesome beach to take in the sites on Friday. No one was on the beach and we also got to check out a covered bridge. Also I saved a stranded cat. It cheered me up immensely.
*Volunteer your time. If you keep busy volunteering in something related to your career you can keep that on your resume as a current position as you continue to look for work. Gaps in work history can be frustrating to explain in an interview and can break my mojo–I would prefer to talk about my awesome volunteer work rather than how I ended my last position.
*Consider taking a job that isn’t perfect but will keep you fresh and teach you new skills. My brother can help find me a job doing some legal work, but it is not in a law firm, nor in any of my favorite areas of law. However, I really enjoy my brother and he loves his coworkers and boss. Working somewhere encouraging could really boost my confidence and give me a great reference to put on my resume as I keep looking for work. Who knows, I might end up loving this are of law!
*Start a money saving or money making hobby. I am planning a little victory garden to help feed my family and to keep me busy. The whole endeavor will only cost about 50 bucks to get started. But making things grow is really spiritually enriching and the added bonus will be super yummy things to eat in a few months. I am also focusing on painting pictures for my friends. A friend commissions the sort of painting he or she wants, and I create it custom just for him or her–and I make a little cash.
I am cheering up after a period of feeling down and out after losing my job. What do you ladies and gentlemen do to keep positive when out of work?
Lets face it, most recipes yield more than one or two servings. A childfree folk or partnership is likely to end up with extras. You can halve all your recipes, you can only buy cookbooks designed for singles or couples, you can always eat out. But if you don’t do one of those things, you are going to have leftovers!
Mostly make things that can make new meals with the leftovers. Today I am enjoying a delicious meatloaf sandwich. Last night of course, I ate the meatloaf. Honestly, I think the sandwich is better! If you eat spinach salads, cook main meat dishes, and keep your sauces separate from your noodles, you can make the salad into cooked spinach, the main meat dishes into sandwiches, soups and casseroles, and the sauces can go onto a completely different type of meal the next day.
Freeze leftovers. As soon as you are finished making the dinner, estimate how much you are going to eat, and take the rest and begin cooling it and package it to go into the freezer. I recommend doing this before you eat dinner, because you are less tired at that point and less likely to forget.
Eat them for lunch the next day. Similarly to the freezing method, before you sit down to eat your dinner, package some of it up as a lunch. If it was burritos, make a few extra burritos and put them into a sandwich bag in the fridge. If do this while everything is still out and while you are preparing your dinner, it will be a lot more likely to have all the ingredients in it (before you run out of salsa and olives).
Get roommates. Having a roommate or two will ease the cost of your rent, and you can share your meals with them. You won’t have as many leftovers and you can take turns cooking.
Organize a left overs club at work. If most of the folks at work cook dinner at home too, you can trade left over lunches, that way you aren’t eating the same thing two days in a row, but your food gets appreciated. (I realize this is really unlikely to occur, but hey, brainstorming!)
Kids in China will cry, but you can just throw your left overs out. This is especially good if you hate eating left overs. And none of the other ideas work. Should you really feel guilty for throwing food out? My argument is “no.” If you had bought smaller quantities of food like a smaller brick of cheese, meat in individual containers, the smaller sour cream and milks, you end up spending near as much as the larger ones. Also, for the most part, food is cheap. You’ve already made the food and either you are going to eat it and waste it into the toilet, or you are going to throw it out. I think being healthy and happy is a better deal than saving a few cents on left over foods. Furthermore, making food at home will still be cheaper than eating out and way healthier, so if throwing out your left overs keeps you cooking at home, than I am all for it.
I like to shop with my brother at weird stores and we look at weird stuff. My brother does this without me and actually buys me some pretty interesting stuff. We both love the hunt of roaming a store packed seemingly with junk and then find the coolest weirdest thing in there. The difference between my brother and I is that he goes ahead and buys that super weird little gizmo as a gift to unload on a friend or to put in his room. I however, look at the thing, carry it around for a bit and put it back usually.
Why do this? Well part of the hobby and fun of shopping is looking at cool stuff. It is like going to a museum or a zoo. Another fun part of shopping is finding a treasure in the junk. However, sometimes actually having that object in your house and paying for it isn’t the funnest part. First off, then you have less money for even cooler stuff, or more important stuff. Secondly, you have to find a place for the new object in an already packed house. I like to find something in a store, carry it around and look at it. Perhaps a green pottery lion, or a bottle shaped like a Greek goddess caught my eye. I pick it up think about how cool it is, enjoy the object and then put it back.
I don’t really think of this as frugality, although it is. I am not sacrificing anything with this practice, because really my favorite part of shopping is doing it lazily with lots of time and looking at and touching unusual things. I already have lots of unusual things at home I can enjoy, so I don’t need more, because that would make it harder for me to spend time with the things I already have. Cleaning is also a past time I like to take lazy hours doing as I look at my stuff and do interesting things with it. I tend to make new artistic arrangements around my house. Another thing I do while cleaning is reorganize my shelves until I see a present a friend gave me and then I relive memories of the person who gave me a gift. The more things I have the longer that process can take. I don’t want cleaning to be overwhelming.
The point of this post, is to consider what you like about each of your hobbies, really get at the root of it, and figure out if you are getting the most out of the hobby for you–and if you have to spend more money to enjoy it.
And its been a long December and there’s reason to believe
Maybe this year will be better than the last
I cant remember all the times I tried to tell my myself
To hold on to these moments as they pass
- Counting Crows, A Long December
Trent at The Simple Dollar made an emotionally stunning post this morning on A Long December
Two things touched me about this post. I lost my job on Wednesday, before Thanksgiving this week. I am feeling this song and his post very personally. My husband has been out of work for 9 months now. We are quickly looking at even more ways to cut back. I am going to apply for unemployment and beat the pavement to find both he and I new jobs. I wrote up two applications this weekend. But I am tired. I was working a long commute with no car for the last 5 months at a job I wasn’t getting or fitting in at. But I do have reason to believe next year will be better.
And the second point that touched me was his recommendations for spending the holidays. I would like to share with you one of my holiday traditions.
Storytelling
Sit down with your family and friends and give them a special gift. Either learn a story about the season–there are some in various holy books, folklore, and even popular books from your childhood. I like Irish and Welsh folklore, for example King Arthur and Finn McCool stories are popular with my friends and family. I get really excited about learning the stories and retelling them in my own style.
Or you can make a story up that fits your family or friends. A special treasured story my mother loved was when I told her what magical gift I would make for her if I could: A magical book that could hold all her catalogs so she could always go back and look at what she wanted to buy without having to keep piles of catalogs by her couch and a magic door at the entrance to the garage that would prevent my father from taking the treasures she purchased from said catalogs into the attic. She laughed so hard and she really loved that story. My mother later asked me to type it up on colored paper so she could frame it.
This year money is truly so tight that the presents I give will have to be free or nearly free. I can give things from my own collections, I can make some food cooked with love and attention, and I can give time spent together with loved ones.
One of my favorite songs to sing at times like these is “Hard Candy Christmas” by Dolly Parton from The Best Little Whorehouse in Texas. Singing together is another way to have some special times. And just so I don’t appear so stingy as to not give any physical gifts, perhaps I will give hard candy as a present to my loved ones and print this song on the tags:
“We’ll be find and dandy
Lord, it’s like a hard candy Christmas
We’re barely getting through tomorrow
But still we won’t let sorrow bring us way down.”
The dress-up holiday season started at Halloween and it won’t end until New Years or even Valentine’s day. If you follow the hype and are very self-conscious, you might decide you have to wear a different outfit every year to every holiday. Even at thriftstore prices this is an unnecessary expense. We are adults, we don’t grow that much from year to year, and we have enough self confidence to pull off making our own unpopular decisions. I read in a personal finance blog and a friends homelife blog the crisis of children’s halloween costumes. These little tykes are really hyped up to dress up as something in particular and if they don’t it is heartbreaking for them. Adults around them might take a part in setting the expectation because every year they also make a big deal about what do dress up as. We are adults, we don’t have kids, do we have to act like that? no!
But adults carry this out to every holiday party and event–to the point that at least 4 new outfits are needed per year. Is this necessary? The holidays are all at the least a week apart. Couldn’t you get one nice outfit and wear it to Thanksgiving, Christmas, New Years and even Valentines day? A woman looks stunning in a dress with the right fit and a flattering color. My husband has a favorite dress of mine (I like it too) and I can keep wearing it for several holidays and it even doubles as a witch’s dress on Halloween (I bought a nice witch hat and I wear a similar outfit every year, I just change up the socks, shoes and makeup). I have had this dress for a few years and it only gets worn once every month or two. I can dress it up with other clothes I have–boots, high heels, jackets that I wear for work or other holidays. I am not saying I only have one dress, but I am suggesting that you don’t need a new dress every month over the holidays to look great and enjoy the holidays.
If you spent even $5 dollars per outfit for the holiday season, that would be $20.00-$25.00 per year on one use clothing. Consider cutting back and having one or two outfits you can wear year to year and for several holidays. Also look to clothes you already have to compliment your outfit. Perhaps you can wear one of your dress shirts for work with your holiday suit instead of getting a new shirt. Perhaps you can wear the exact same base outfit you wore last on Thanksgiving to Yuletide parties with a different tie or scarf from your collection to make it stand out differently.
Good luck and be creative!
