The rote sayings and adages that you hear as a broke person surrounded by broke people are completely different than the sayings that you hear uptown. For one thing, I’m finding that upper-middle-class people seem to talk about almost nothing but poor customer service, remodeling, and the bodily functions of their pets. As a kid, I often heard adults talk about being “a day late and a dollar short.” It’s an interesting exercise to think about the opposite of everything, and it intrigued me to start thinking about always being “a day early and a dollar up.” What would this mean?
The idea of being “a day late and a dollar short” is that even if I had managed to show up on time, to, say, the county fair, it wouldn’t have mattered. I couldn’t afford it anyway. Even if I had the money, something would have prevented me from getting there. I shouldn’t bother to get my hopes up or to set my heart on anything. This is the world of broke-ness. Your transportation is unreliable, you can’t depend on a predictable work schedule, the people you want to bring aren’t available for one of a thousand reasons, none of your stuff works, and every penny you manage to set aside is almost automatically burned up by pressing material needs. Fun is not for you. Resign yourself to deprivation and exclusion.
This is a self-perpetuating mindset.
The convenience store where I got my first real paystub job is still open at the same location. It’s still open all day, every day. There is still someone working there on the same schedule that I worked in 1993. It could be me. There are no practical reasons why I could not have spent the past 25 years standing in the same spot, wearing the same uniform, and presumably selling the exact same pot of coffee and the exact same four rotating hotdogs. Pumping orange nacho cheese out of the same plastic sack, selling the same blue-dyed frozen corn syrup drinks, peddling cigarettes, malt liquor, and scratch tickets to the same sketchy neighborhood dudes. I’d still have trouble making my rent, I still wouldn’t be able to afford a car, and I’d still wonder why toothpaste has to be so darn expensive. The simplest solution was always just to find a better-paying job somewhere else. Which I did.
Almost every problem I had in those days was a financial problem. The great thing about money problems is that they can be solved with money! A problem that can’t be solved with the application of cash dollars is a sad problem. Heartache, disappointment, grief, betrayal. Everything else is up for reconsideration. Having more money means being able to relocate, repair and replace things, hire lawyers or financial planners, get advanced education or professional credentials, take lessons, get medical care, make emergency travel plans, take time off work, help friends resolve their problems, and donate to various charitable causes.
Having money also means being able to plan ahead. One of the worst aspects of being broke is that your future timeline contracts. You start planning only a month ahead, or a paycheck ahead, or a week ahead, or a day ahead. You become unable to imagine what your life might be like in three years or ten years. Feeling like you have plenty of money and plenty of options helps to extend that figurative timeline.
I only worked at that convenience store for two months. I’m pretty sure I can still remember every minute of every shift. Purgatory looks a lot like a convenience store at 10 AM on a Sunday morning, with a never-ending line of people waiting to buy one cup of coffee and a newspaper. I had no idea what I would do with myself while I stood behind that counter. I had no idea how that job would ever lead to anything better. It never really crossed my mind to go back to school, which I eventually did, because I was so sure that college was out of my reach. My take-home pay exactly equaled my rent. I was living off microwaved baked potatoes with no butter; obviously I wasn’t saving money or planning for the future. When I got a full-time office job, I tripled my pay. SEVEN DOLLARS AN HOUR! I saved over 20% of my take-home pay every week. That’s when I started planning ahead and thinking that I could make goals.
One of the first things I did was to save money for my first international trip. I took three weeks off - insane for a nineteen-year-old - and went to New Zealand.
Last year, my husband and I went to Wyoming to see the solar eclipse in totality. We found out it was happening a year in advance and set a reminder for January to book tickets. I got the last available hotel room in Jackson and paid for it with reward points. We bought our plane tickets, still available and significantly cheaper eight months in advance. My husband put in his vacation request with plenty of time to spare. If we’d waited, we wouldn’t have been able to get there at any price. These are the kinds of things you can do when you save money and plan ahead. We did in fact get to town six days early.
The less FoMO we have, the less of a sense of scarcity, the easier it is to put money aside. We only take out our wallets for the can’t-miss stuff. There have been dozens of concerts we would have liked to see, sure, and nights we would have liked to go out and eat in a restaurant. Doing these things every time the urge arises means a strained schedule, burnout, debt, and weight gain. It’s not a relaxing way to live. We like to maintain our domestic contentment at home, inexpensively, and go out for the really great stuff. It’s a completely different experience to always feel like you’re a day early and a dollar up.
I've been working with chronic disorganization, squalor, and hoarding for over 20 years. I'm also a marathon runner who was diagnosed with fibromyalgia and thyroid disease 17 years ago.
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