Feeding the Christmas Beast

I've had an epiphany: Christmas is a bit too commercialized, and some of us spend a bit too much.

Christmas Beast, copyright, Teece Aronin

Every January I start budgeting to feed the Christmas beast, the tinseled, bulbed behemoth already lurking at the end of the year. Christmas, for a lot of us, has become akin to a fluffy white snowball rolling toward us down a mountain, getting bigger and bigger and badder and badder, until it rolls right over us and stops. Then we're expected to dig ourselves out and start pushing it back up the mountain again.  

But the good news? Every Christmas you have the next 364 days to do it - if you start right away. It's like a pinball game automatically resetting and demanding $700 from you for the privilege of losing again.

Then there's online shopping which is great in a lot of ways, but not so great in others. For instance, it's still surprisingly hard work. Nothing tightens up those shoulder muscles like opening an email from Amazon alerting you to the fact that your order of 47 items was cancelled because your "payment method" has expired, and you try to straighten things out on a glitchy cell phone while waiting in line at UPS and pushing two 40-pound boxes along with your feet. 

I don't think this is how Christ would want us to celebrate his birth.

Another thing I doubt is that he'd want us giving children hundreds of dollars worth of presents they'll be too polite to say they hate, but you can tell they do anyway. This sad circumstance sets us up to discover vast Christmas gift graveyards that sprawl under kids' beds and bone piles of unwanted toys that lie heaped in their closets. What a waste. 

As my kids got older (my son is 17 and my daughter 19), it all changed, but not for the better. Instead of telling me what they wanted, or handing me a list, they would text me links to things, mostly tech products with purposes I didn't understand, things that Oppenheimer would've asked his mother for if he'd been a Millennial. And I don't blame my kids; it was a natural outgrowth of what we'd come to as they got older and more tech-savvy and I shopped more often online. Having them do that actually made my shopping a lot easier. Easier, but somehow colder.  

Today I'm pledging to kill the Christmas beast by refusing to feed it. I'm not alone, by the way. Lots of people are cutting way back on the amounts of gifts they buy - even for their kids. And some people have stopped buying their kids any gifts. If an article I read recently is true, Mila Kunis and Ashton Kutcher are two of them. Many parents now opt for gifts requiring more time and imagination than money, like  buying a kid art supplies and then committing an afternoon to making art with said kid. 

Also according to that article, some kids, and even some adults, have gotten pretty testy during the adjustment/withdrawal phase, but a lot of families feel their lives are on a healthier track now that they're doing things differently.

When I told my son what I was thinking, he said he could really get behind it. When I mentioned it to my daughter, she said, "I think that's a good idea, but can I think about it?"

I said, "Nope, you're already handling it a lot better than some people, so I'm taking your answer as a yes."

Besides, it's not as though I plan to go all Kutcher-Kunis on them. What I'm thinking is $100 each in presents plus treats and surprises spread throughout the year, like an afternoon playing my son's computer games with him then dinner at his favorite restaurant.

The idea is to give more from your heart than from your wallet and to give your kid a memory because those can't get lost under a bed.

Then again, if you saw my kids' rooms . . .

Due to Budget Constraints, No Sardines Will Be Purchased Until Tuesday

I have a budget, which is big talk from someone without any money. But now that I have a budget, I'm counting on the money to follow. 

Graphic: Copyright, Teece Aronin

My budget is calculated by taking each bi-weekly paycheck and setting aside at least half of what I need for each fixed monthly expense. Then I pull out what I need for groceries and personal care expenses for the kids and me and put it in envelopes. This keeps me on the straight and narrow and curbs the temptation to buy three shoes instead of two - you know, like people do. 

Sticking with a budget also means sticking to your guns. When the kids beg, "Please Mom, can't we have cake and chips for this weekend?" I calmly explain that they must then decide what they are willing to give up: toilet paper or heat. Notice the flexibility I employ in my willingness to dip into the fixed monthly expenses allotment in order to buy the cake and chips as long as they are prepared to sacrifice a bit on their end. I think this helps them to better appreciate the value of a dollar and to respect their mother's financial agility. 

If nothing else, they know that a woman with budget smarts and determination is in charge and that gives them a sense of safety when it comes to money. 

 My own personal finance hero is a woman I know who double checks the cost of what's in her cart before getting into the check-out line. If she's over budget, she swaps out or puts back items until she's at her limit again. She doesn't feel depressed or deprived over it because she knows the greater good is being achieved by being in control of her money. 

Being careful with my expenditures allows me to funnel more money into my vacation and entertainment accounts, and the kids appreciate that too. No more staying in independently owned hotel franchises with no elevators, no coffee and no door locks. This summer we'll be checking into a Holiday Inn, baby, and won't it be fine? 

Ah yes, the best is yet to come. 

Absence Note

I've been worried a lot lately. I've been so worried in fact, that it's taken me from my blog entirely. The only times I've thought about Chipped Demitasse over the course of the last few weeks is when I kicked myself for neglecting it. This blog is very important to me yet I've been entirely absent from it.

A lot has been going on. My mother, who is dearer to me than even a wordie like myself can express, is facing serious health challenges. And I'm a single, working mother of teenagers, one of whom has temporary but difficult health issues of her own.

If being a single, working parent with a sick mother and a sick kid and all the responsibilities those things entail weren't enough, I decided to jump ship from the financial Titanic I call renting and am in the process of buying a house.

Buying this house included a three-day period of torturous anxiety where I obsessed over my monthly cash-flow, fearing it would become an even smaller trickle than it already is once I traded the "freebies" of renting (heat, maintenance, etc,) for the "costies" of home ownership. I earn a perfectly fair wage, but face it, life can be expensive for single parents. Those three days worrying about money are the kinds of times that try the souls of single, working parents and prospective home-buyers.

The utility bill was one of the things I worried about. I have no idea what heat and AC will run in this new place. The seller, as luck would have it, winters in Spain and summers in Northern Michigan, so there is no recent, realistic history of the house's energy use. And someone with the financial means to winter in Spain probably wouldn't turn down the thermostat at night even if he was here. I got so stressed-out over this phantom utility bill that I researched the cost of firewood in case our main source of heat had to be the fireplace. I'll love having a fireplace again; I just didn't want to have to sleep on the floor in front of it.

"Ugh," muttered my tried soul. "Ugh."

Then yesterday I sat myself down and lovingly chewed myself out. I picked up my smartphone, went to "notes," and tapped out a list of ways this house will benefit the kids and me in quality of life alone. So, not even thinking about financials, here is some of what I came up with:

- A two-car attached garage with two steps into the kitchen. On grocery day, that would eliminate the current trek across what feels like a football field in the summer and tundra in the winter, followed by a knee-grinding, nose-bloodying three-story ascent to the apartment. This aspect of renting, I decided years ago, is why God made teenagers.

- A semi-finished basement perfect for tossing said teenagers when I need some me-time. As a renter, me-time at home could be had only in my bedroom, or, if I needed quiet too, in the bathroom with the door closed and the fan on. I once consumed two glasses of Merlot and a Hershey bar with almonds while sitting on the lid of the toilet.

- Hardwood floors and a level, fenced-in back yard for our dog who has accidents in the apartment when nobody reads the signals in time to haul her down the three flights of stairs, like a grocery bag in reverse, and out to the football field/tundra in time to do her business.

- Money saved on dinners out, one of the few luxuries I allowed the kids. Their lives had changed so drastically when my husband and I divorced. I moved them out-of-state because we lived in a region with such a high cost-of-living, I couldn't find a job that would support us in anything higher than near-poverty; sadly, I'm not exaggerating. But with a back yard, we can roast hotdogs and marshmallows, and maybe restaurants won't seem that important anymore.

The kids and I still laugh about a night years ago when we were still a nuclear family. We were out on the deck roasting marshmallows when my daughter's caught fire and in her surprise, she whipped her stick behind her. The marshmallow hurdled through the dark, blazing like a meteor. To kids, mine anyway, laughing yourself sick over a fiery, flying marshmallow beats a restaurant hands down. 

Thinking about all this, I calmed down. Then I did the math I had done days ago but had gotten too freaked out to remember I had done. I calculated that with a fixed-rate monthly mortgage roughly half the amount of my rent, and with rent going nowhere but up, there was no way, short of buying in Bizarro World, that a house wouldn't be better for me financially. And I'm grateful to have a bit set aside so that unexpected maintenance costs won't be AS big a disaster.

Those three days of abject terror taught me some things. First, when I examined the benefits of buying the house, my blessings politely raised their hands asking to be counted - blessings like my kids and the fact that I can buy a house at all.

With blessings like those, why should I worry? Besides, thinking is helpful; worrying isn't.