Tagged: money

I Can’t Afford It

When you hear a friend saying they wish they could do something but can’t afford to, do you jump right into “well, just cut out things like a daily coffee, because $5 a day at 30 cups a month is $150 a month right there!” or something like that?

Whenever I read an article about how to stretch your money, how to save money… they always have ridiculous tips like that.

What if you never buy coffee?

What if you have the cheapest, most restrictive plan for your phone (granted, it’s a smart phone but I’m not giving that up) that you could find, and make calls from Skype to save money?

What if you only go see a movie once a month and only go to a matinee so you’re not paying full price?

How do you juggle paying for the necessities with actually enjoying your life and following your dreams? Life is so short, who wants to waste it working 3 jobs?

Yes, I know that everything we spend money on is a choice. I may decide it’s more important to me to keep flexibility so that I can travel (cheaply…) rather than spend the money going out with friends. I may decide it’s worth it to me to pay $25 for a game that I can play with friends (Cards Against Humanity!) than to have more food in the fridge. They are choices. But just because it’s a choice, doesn’t make it an easy one.

I don’t go to the salon more than 2 or 3 times a year and always look for a cheap one. I don’t get my nails done, I don’t shop for clothing retail – and haven’t shopped at all in months. In fact I’ve sold about half of the clothing in my closet this year.

So what do you say when you have to or want to spend money on something (like a used camera lens, or your dog’s dental care) but don’t have the means? What do you say when friends invite you out but when you add up the cost of gas, food, and a drink, it’s more than you make in a day? How do you continuously say “I can’t afford it, I can’t afford it” without getting depressed about it and sounding like a complainer?

Don't despair. There's no money in it, but I can sell my purse to pay for your dental bill.
Don’t despair. There’s no money in it, but I can sell my purse to pay for your dental bill.

For several years after I moved to L.A., I struggled with money. I moved in with a boyfriend when I could no longer pay my $400/month rent. I was only saved by a $9000 inheritance by a relative, which I stretched to the max after paying my credit card debt and buying a new computer. Because my other one was a 10 year old PC that had just died.

And then came Adsense to save me, and for several years after that, I lived in peace. I could afford a nice place to live. Piano lessons, acting classes, dance classes, elocution classes… I could invest in myself and my career, at last. And I did. And I went out with friends, and I bought Groupons to do fun things, I loaded the fridge with food, which sometimes went bad before I could eat it.

I decided professionally, that I wanted to try France, since although I was putting all this investment into myself, I was not getting work in L.A. So it was time to make the most of life, learn French, and see if the grass was any greener over there.

And then Adsense began to say a long and drawn out good-bye.

I started relying on my savings in addition to the monthly income that was not enough to pay the bills, which were now in Euros.

And eventually that ran out as I struggled to continue to pursue my goals, and I found myself back in L.A., basically broke, doing background work again. I thought it would just supplement my waning income while I tried to prop it up again, until it took one final gasp, and pretty much died. Oh, I still get a little from it, but it’s not going to pay rent. Perhaps with the continuing CPR it may be revived, but not to it’s old glory days.

So I’m left with dreams and goals and the distraction of trying to pay the bills instead of focusing on my real contribution to the world.

I proudly scrimped and saved a few thousand dollars by working and selling off many belongings… only to sit at the accountant and be told that out of that $13,000 I earned… the IRS wanted $1800 of it. I crumbled. I already had taken out a personal loan to combat the crazy interest charges on my maxed out credit card. I was already eating one meal and a smoothie every day. Except the days I worked. I’d been struggling (and still struggle!) to give up the new addiction to organic dark chocolate peanut butter cups, which I could easily spend $50 a month on.

I’ve grown weary of telling friends I can’t afford to join them, tired of not being able to invite people out, depressed because I can’t afford to go dancing, or take classes, or just fund my little documentary by myself, which would only take a few hundred dollars more. I feel frustrated when I think I can treat myself to something (which also doubles as another potential way to earn money, such as a used camera lens, or a better microphone for my camera) and then something “more important” comes up to divert the funds. I feel guilty for telling my friend with the herbal hospital in India, year after year, that I want to come and maybe this year I can make it… but I can’t. I’ve grown tired of the panic and stress that arises when I’m faced with having to spend money I don’t have (on tires, on the vet, the doctor…), and the way I burst out with “I don’t know what else to sell! I don’t know how I can cut back any further on food, I don’t know how I can afford this….” and probably seeming pretty pathetic to whomever I’m talking to.

Websites tell me instead of saying “I can’t afford it,” that perhaps I could say “that’s too expensive and not a necessity.” But how many more things can I say that to? The doctor? The vet? And who wants to live with just the necessities? That’s great for a short period of time, but… months without going out for an unnecessary dinner or drink or show? Other websites assume that you don’t WANT to do the things you’re invited to do. Like it’s easy to say no because “I have a goal I’m saving for.” It’s not easy.

But it’s not just that. It’s not just learning what your priorities are when it comes to spending (which is a good thing). It’s the stress it creates and the time it steals. When the first thought in my mind, all day long, is “how can I earn enough money to be able to meet my goals?” and it never ends… it leaves me little time to unwind and actually work on those goals. To sit and play guitar for a few hours. To read books, to improve my singing or acting, my Photoshop or photography skills. Because I feel the need to spend that time trying to earn money to keep fed and pay off my debt. I feel as if I’m wasting precious time in my life. At 32, I don’t want my main focus to just be paying rent and eating. I want to be using my skills, enjoying my time with friends, giving back because I have enough for me and for others. The struggle has taken away too much of my life.

I realize I’m not the only one. And while it can feel like everyone else can afford the things I can’t, I know it’s not true. I know other people are struggling. And I wish I could help. I wish I was in a position to…

But perhaps this struggle has led me to a position to help. I have a glimmer of hope at the moment. A few months ago, I knew that I would have to save up, and try to revive the website, if I wanted to get back to Paris, and travel more, and be able to focus on my goals and go out with friends, as well. So I started looking online for other ways I could earn money. I’d looked before, when I was doing well, because I wanted to help my friends to live the same wonderfully free lifestyle that I was blessed with. But I never found a way. I tried to help them do the same thing I was, but it wasn’t for everyone, and even I had help. A lot of it! And after the IRS stole most of my savings, I knew it was my only chance. To find something else I could get started with. Otherwise, I would be looking into a future of deep uncertainty. A few months ago, I found something. A location independent potential income, that started working for me. Not right away. Not before the taxes were due. At that point I thought I may still be doomed. But last month, hope started to bloom. I made some money. I found a light at the end of the tunnel.

It was (is) hard to want and need to spend money on things and not be able to, and not know when I would be able to. But now my goal is to work hard this month and have this parachute to catch me as I take a leap away from L.A. once more and leave my major source of income (background work). One more month of saying “I can’t.” I am determined that it be the last month. I am determined that when I get back to France, I will not have to say “I can’t”, I will have the freedom to spend on my creative pursuits. I will have the money for classes when I return to L.A.

I am determined to get to Paris and go out for a glass of wine on a warm summer night, without a worry in my mind about whether or not I can afford it.

So if you’ve been in this position, how do you deal with not being able to afford more than the basics? How do you manage the stress and budget your time between survival actions and pursuing your dreams?

This Is a Test

Ever feel like life is testing you?

Like it’s asking you, “OK, now how positive are you?” as it slaps another problem in your lap.

You have a bit of a freak out, and then tell yourself to breathe and think of the best case scenarios instead of the worst. But really, what’s running through your head is just “f#####¢k…. now?? I was just starting to get things together again.”

In my mind, this is what 2014 looks like:

I will produce another short film, this time take it to Cannes, and other film festivals. I will make a documentary for the 168 Film Festival this year, though probably not attend. I will make a little trip to Hawaii sometime between January-March, and return to Paris in May, for Cannes. I will continue working on my web series idea, but with everything else going on, it probably won’t happen this year. After a few months in Paris, I’ll hit the road/sky/sea and do a little traveling, returning to L.A. by the end of the year.

But this is how 2013 is ending:

Very slow with the background work, only 2-3 days a week and nothing so far this week. I think it’s hiatus already. I’m spending the rest of the year at home, which I figured would give me time to write scripts and music (oh yeah, forgot to put that in there. I want to get songs done this year, and perform while traveling!). My mom ended up in the hospital last week, and is in rehab maybe even through Christmas, which makes me kind of wish I could be around to keep her company or help out or something, but tickets right now (thank you, Christmas….) are at least $800. That and the fact that I can’t leave my pets alone means I’m sticking to my original plan. Then yesterday I get an email from the tenants of the mobile home I own, saying they’re giving their 30 days notice. After almost 2 years. Seriously?! Mid-month, right before Christmas?! You’re kidding…. So now everything else I thought I could focus on takes a backseat to not losing over $1000 next month if I don’t get someone in right away, and over $2000 for February if I still don’t have someone in there. I only make a little over $2000 a month and have nothing in savings except the $300 I just started a savings account with yesterday for the tenants’ deposit refund. I was just starting to relax about the money situation. And between you and me, I don’t even have the money to give them their deposit back, so I’m relying on the next tenant’s deposit for that. It’s been a horrible year, financially.

So. I’m a little overwhelmed and want to hide under something, but I know I can’t. I know every moment now needs to be spent trying to earn money and find new tenants. I don’t know if I’ll get this short film done. The person I was going to write with just bowed out because she has her own financial crisis right now, and even without these tenants leaving and potentially losing me money I don’t have, Cannes is not looking like it’ll happen this year. Maybe next year….

I’m a little tired of this one-thing-after-another pattern. I just wanted some time to settle in, earn a little money, and move forward again.

I know I shouldn’t freak out and sob over something that hasn’t even happened yet, but the stress of knowing what the worst case scenario is and how it affects the rest of my year is kind of a downer. After the last two tenants I had periods of 2 weeks to a month where the place was empty, and I lost a lot of money. This year… I don’t have that money to lose.

But I’m trying to manage my reaction. Instead of “whaaaaayyyyyy?!” I’m trying to breath and think, “OK, it’s just something that needs to be done.” And it means I just have to work extra hard if I want to survive, and also fulfill my creative goals. The more crises I have to deal with in life, the more prepared and calm I will be for future ones, right?

I’ve also been listing some of my things for sale on eBay, and etsy, and in addition to earning a little money (about $200 in the past month, yay!) I’m also clearing out my life a bit. With this extra pressure on for the holidays, it’s forcing me to look even harder at what I own and what I can part with. So that’s a good thing.

But perhaps it’s all a lesson on inner peace… something you keep no matter what’s going on in your life. Something I’m still working on finding…. 😛 I don’t believe that God sends hardships, or sickness, or sorrow… but I also haven’t quite found the secret to overflowing blessings and abundance. Perhaps Matthew 6:33 is the secret….

But seek first the kingdom of God and his righteousness, and all these things will be added to you.

I’m trying, I’m trying….. 😛

Self-Worth

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When I moved to L.A. I had about $500, a CapitalOne credit card, and an old (1978 Dodge Aspen station wagon) car I’d paid about $150 for in PA. I started doing background work, earning (after taxes) maybe $35 a day. $50 on a good day. You know, I have it written down in a journal, packed away in storage. I suddenly felt wonderful about myself. I had more money than I’d ever had before. I was having fun, I was working, I was on set. I was on my way up. And after a few months, I could afford to get an apartment with a friend. It was only $750 a month for the two-bedroom in Winnetka. We lived simply, but not stress-free. At one point I was overdrawn in my bank account, and I determined never to let that happen again. And other than one time several years later when the IRS froze my account and sucked it dry (thanks guys. I love how my government really cares about how I’m going to survive with no money in my bank account. Oh, and US banks – really? Charging me a fee? And how do you think I’m going to pay that. You’re my bank. It should be clear to you how much money I have), I’ve kept to that goal. OK, except this week again, when it wasn’t my fault (thanks hacker, I love how you really care how your fellow human beings are going to survive without any money in their bank account. But thank you French banks, for not charging a fee).

But wait, there’s more!

Cause We’re Dealing With Identity Theft

OK, so it’s not exactly what we’re talking about here, but it’s the first thing that runs through my brain at the moment.

So I went to order some healthy little kibble for my pooch and my debit card was declined. Grumble grumble. It’s not the first time I’ve had issues with this website. But I go to my bank website and log in to see…. I’m in the red. A lot. Very red. How can this be? I’ve not been spending much, especially as I’ve got less than $2000 to work with at the moment and am a bit concerned about how I’m going to make everything happen this year with so little income and savings. Anyway, yeah. A little anxious over finances at the moment. And now this. I mean I already knew I had to deal with EDF and the monthly gas bill for the place I left in January (and it ain’t cheap!!!) and some strange charges from Orange… but now this too?

But wait, there’s more!

How to Earn Money While Traveling

So I’m still figuring this one out myself, and today landed on a page full of some really great suggestions. I’ve heard the usual – bar-tending, teaching English, etc, but those things never really appealed to me, as I didn’t want to stay in one place and be tied to a job for very long. For some people, it might work. I’m actually more interested in mobile ways of earning, or entertainment related ways of earning. Which is why I’m considering returning to L.A. earlier than planned so that I can go back to doing some background work to save up for more adventures. Apparently there’s some great guarded secret to getting background work in Paris. But even when traveling, I’d need a way to earn a bit of money. So some of the suggestions here really started me thinking. I’m just listing a couple here with my thoughts on them, and more information can be found HERE.

But wait, there’s more!