Life in the Middle Lane

I went to college without really knowing what I want to do. Over the four years I changed my major four times. I started as a Political Science major, then I was a International Business/French major, then I switched to a plain Business major, finally I found my home in a very unlikely place—The Philosophy and Religion department.

I started college without really knowing what I wanted out of a four year degree, other than to be rich and famous. I loved the being a Philosophy major because I got to do my favorite things; read, think, talk and write. When folks asked me what I expected to do with a degree in a Philosophy, at first I shrugged. At one point, I assumed that I would go to Law School but in my heart I knew that was a cop-out. By the time I graduated, I wasn’t worried about the naysayers because I knew that I can do ANYTHING with my degree because I’ve learned how to THINK.

Tell that to the employees who wanted to see me with a Business or Journalism degree.

It took me a little while to get my act together, but I soon I found a field (Government) where I fit, and I knew that making a career in the public sector was right for me.

It took a few more years, and a graduate degree, interviewing my mentors, therapy and a life coach for me to identify what is most important to me, the thing that I would do for free.

What’s important to me?

I write about it, here and on Cosmopolitan Urbanist.

-Being the Best Monica Ever and hopefully inspiring someone else to be the best them ever

-Making public organizations better through technology

-Making neighborhoods stronger through urban design and community development

None of which I get to do in my current job. My job pays the bills, but it doesn’t turn me on.  Every once in a while, I get excited about the opportunity to learn a new skill set at work. Some days, I’m just happy just to have a paycheck at the end of the month and I don’t care that I’m not content in my work. Most days, though, I am so bored and frustrated and anxious that I sit in my cube wondering how I got to this place and what the hell do I have to do to get out of here.

I read Naomi at Ittybiz and Chris Guillebeau at The Art of Non-Conformity and now I’m completely jealous of Jamie at A Life in Transition. I read their stuff and I get emotionally confused. I’m so excited for them and inspired by them, but I also get sad because I feel so ordinary. I feel so unaligned with my values. I feel that I’m just getting by and not living my best life.

I’m the most goal oriented person I know, but I’m feeling a little stuck about taking the small steps that I need to, to move towards my best life. When I think about my stuckness, I want to throw my head back and have a Charlie Brown moment. WAAAHHHH!  This is not my life!!

During a recent conversation, my mom asked me if I was happy. I decided to forego the “I’m fine” answer, and answer honestly. I had to tell her that no, I’m not happy. I’m absolutely not happy. I’m not supposed to be a fricking management analyst. I ranted about how this recession has put a cramp in all my plans, and how I don’t feel like I’m doing what I’m supposed to do. After a moment of silence, she agreed with me.

She said, “You have a ministry- not necessarily religiously- but you are supposed to be helping people to do and be better.”

Her response brought tears to my eyes. But what she said next made me stutter.

“What are you going to do about it?”

I didn’t have a great answer to give her.

Since then, I’ve been doing a lot of thinking about what I really want out of life, and you should expect a post or two soon outlining just that.

Six years of secondary school has given me the skills that I need to build a successful business and gave me some professional credibility. Unfortunately for me, school didn’t really teach me what I need to do to live my ideal life. Being involved in the blogger community, especially reading Rebecca, and Penelope, and the other bloggers at Brazen Careerist has been the best education that I could have received. Through their inspiration, I’ve started to harness the power of my passion.

I’m moving slowly, and it’s hella frustrating. I never expected to be rich and famous overnight.  I know I’m going to work hard and be patient with myself. I know that soon, my hard work and my passion will get me to where I need to be.

And that’s how I’m crushing it.

A few years ago I was listened to a sermon, and the pastor said something that has stuck with me for years. He said we shouldn’t refer to ourselves as financially “broke” because that suggests that you need to be fixed or that you have a long term problem.  Instead, he says that we should say something like “I currently don’t have any money” or “I’m currently underfunded” or something like that because that suggests that your plight is temporary one.

Over the years, I’ve don’t a pretty good job of being cognizant of the language that I use when I refer to my relationship with money.  And over the years, money and I have developed a pretty decent relationship. While I’ve had an occasional slip up where I’ve run out of money before I’ve run out of month, I correct myself quickly.

That is, until now. For whatever reason, money and I are not on good terms. I get paid and it seems like days later, I’m poor again. I know that this is partly because I spend all my saving in San Francisco, and partly because I was unemployed for almost three months, but those aren’t the only reasons.

The real reasons are that it’s been a long time since I’ve had a real paycheck, and I suck at keeping a budget and I have high class taste and a pauper budget. Sad but totally true.

In graduate school, at the beginning of each semester you get a HUGE check and are tasked with budgeting in a way to make it last the entire semester.  This I could do.  And I always had a least a part-time job which allowed me to buy more beer. Life was awesome.

Before graduate school I lived with my mother.  For most of the time I had a well-paid full time job and a part-time job I did for fun (or for tequila money).    I bought groceries for the house and did most of the cooking in lieu of rent, and I had few expenses.  I even managed to save a bit. Life was awesome.

Before that, I shared a really cheap apartment with one of my former classmates, worked at an extremely low-paying job and hated my life. My only indulgence was my kickboxing membership because after working with 21 screaming first graders every day I needed to hit something every day. I often had to ask my mom to bail me out. That winter I had the flu and missed a week (unpaid) from school. It was a TOUGH year.

So full circle, I’m completely responsible for feeding, clothing, and providing shelter for myself.  Even though I’m splitting the household bills with the GF, taking care of myself is not an easy task. In fact, I f-ing suck at it.

I’m frustrated because I know that I’m making more money now than I’ve ever made in my life but it doesn’t feel like it.  And I’m frustrated because I thought I would be making a LOT more money after graduate school. (Screw the Recession!!)

In August when I got my first paycheck, my instinct was to pay all the bills that were past due over the summer. Bad idea. Basically because I forgot that I needed to pay the rent. D’Oh!  By the second paycheck, I was reeling. How in the world am I supposed to live off this?

So I decided to create a budget.

September was better. I managed not to get any overdraft fees on my checking accounts and I’m under my limits on my credit cards, which is awesome. However, sometimes I look at my budget or my bank accounts and it still says that I have like 2 dollars in the bank. This makes me frustrated and sad. Sometimes I just open up my pretty little excel spreadsheet and stare. Where does all my money go? What expenses can I delete? Do I really need Groceries? Gas? My storage unit?

I don’t want to get a second job at this point in my life. In the past I worked two jobs to stay busy. Now I want to spend my evenings working out, writing, or hanging with the GF, not bussing tables and filling water glasses.

To live the kind of life I want to live, I’m going to need to be resourceful about my revenue streams. And I’m going to have to give something(s) up. Again, balance is important. I need to be responsible with my finances, on the off chance that someone down the line cares about that sort of thing. On the other hand, I want to enjoy my life and my money. I refuse to be a slave to my debt.

So what to do? I probably won’t be able to pay off my credit cards or car loan as quickly as I want. I’m probably going to have to give myself a higher deductible on my car insurance. I may need a forbearance or deferment on my student loans. I’m going to have to store all my junk at home rather than rent a storage unit, and I’m going to have to be a more frugal grocery shopper.

Bottom line, I’m not going to let money rule my life.  We just gotta get back on good speaking terms.

How do you manage your monthly finances?

I love McDonalds hot fudge sundaes. They’re cheap and they often hit the spot when I need a fix for my sweet tooth. The only problem is that McD’s only puts the chocolate sauce on top of the ice cream.  Sometimes without thinking, I eat ALL the chocolate in my first few bites and am left with a cup full of vanilla soft serve. I hate plain vanilla soft serve.  Since I’m a pro at eating these sundaes, I’ve learned to savor the chocolate to avoid the disappointment of “no chocolate” midway through my sundae.

Yesterday, I got a real sundae from a real ice cream store and I came upon a real conundrum. I was so busy savoring the chocolate at the top of the sundae that I didn’t notice all the chocolate (and CARAMEL!!!) at the bottom of the sundae. By the time I got to the end of the sundae, I had lots of fudgy yumminess and not enough ice cream. I had to go into my stash of frozen whipped cream to finish off my dessert.

As I enjoyed the final bites I was reminded—Life is all about balance. And the ice cream to fudge ratio. Too much (or too little) of either can ruin a sundae.