So I am here to tell you, ya just never know.
We just have to be open to the next thing that appears.
So I am telling myself…as I work with determination and faith to develop a new venture I am alternately thrilled by and terrified of. (Can I end a sentence with of?)
I am thrilled because I have been informally sharing with anyone who would listen–and some who would not–my personal financial transformation.
After my divorce I decided to I needed to change my relationship with money. I knew if I was going to make it on my own financially I had to take a look what was not working-just like I had done with my ailing marriage. Over time and with a discerning eye it was clear-money and I needed some couples counseling.
So, one night, with a bottle of wine, steamed shrimp, cocktail sauce and chocolate for dessert (my comfort menu at the time), I sat myself and money down on the couch. We spent the evening reacquainting ourselves with one another. We painfully sorted through everything, especially what was coming in and what was going out.
What made this evening so memorable is that money and I became very clear we both needed more from each other. I needed money to help me have more adventures in my life and money needed me to be pay more attention to it.
So we began, awkwardly at first, like dancing with a new partner, to develop our rhythm.
This meant learning several new steps. I had to look at long held family dysfunctions concerning finances. I had to treat myself and money with respect…everyday. This meant making responsible money choices. At least once a month I needed to spend quality time with my budget and bills. Finally, and maybe most importantly, I needed to dream and plan my future.
The resulting two-step crescendoed into a very specific budget system I call The Best Money Management System in the World (pretentious perhaps, but true!). Eight years later I am living the financial life I dreamed about that night on the couch.
I recently shared my journey and my system with some close friends. Their unanimous advice was to teach this to others. “Really? Me teach money stuff?” I countered, “I can’t teach this.” This brings me to the terrified of part of my story.
You see I was never a math wiz. Actually, that isn’t quite true. I was good at math until I hit middle school where my 7th grade math teacher hated me. I, in turn, hated him. He was also the vice principal. So while commendations for History and Spanish were being sent home, Mr Small (yes that was really his name) sent home Math deficiencies. He called my mom in for conferences on my behavior and dress. He took exception to the culottes I wore, calling them shorts. Unfortunately for him, my mom had made those culottes and was quite proud of them. Mr Small was sorry he had shared his opinion with my mom. He never commented on my culottes again.
He also would keep me in his office all day bullying me into confessing to offenses I didn’t commit. I was a really good girl in middle school. I tried very hard to stay on adults’ good side. My rebellion thankfully showed her brilliant face though by refusing to give in to his harassment. I was determined and I succeeded sitting the full day in his office without showing him any hint of fatigue. He finally gave up, but the damage to my math self esteem was done. I had come to believe I was bad in math.
I went on to bomb out on my math SAT’s. I zoned out when I saw anything math related. My first job after college was as a bank teller outside of Richmond Virginia. My friends were astounded. They knew my talent was in talking with people, not banking. However, in Va. I needed a masters to work in the therapeutic field, so I took the job that would hire me.
Citizens Saving and Loan.
My money drawer never settled. Some days it was over, some days under. Amazingly Citizens never accused me of embezzling. I think it was because they knew I was not mathematically savvy enough to rip them off. At my exit interview my manager Rick commented that my people skills were exemplary. He went on to say that wasn’t so true of my teller skills.
He highlighted the day a familiar customer pulled up to the drive thru window explaining she had forgotten her check. She asked if I could give her the amount of the check and she would run the check back later in the day. I had no doubt she absolutely would bring the check in. I also knew first hand what a pain it is to forget your check when you need the cash for your next errand. I considered her request. I trusted her. I still believe, to this day, she would have come back with the check. Rick didn’t agree. He said, “No.”
Today, I am out from under Mr Small’s spell and I understand why Rick said no.
Necessity derailed my self-fulfilling prophecy, as it is known to do. I needed to support myself and my kids, I wanted a life with more financial pleasantness and security. I had to get serious with myself and with my relationship with money.
I am writing this on my way to Barcelona, Spain followed by 10 days in the South of France. Places I never dreamed I would be able to afford to visit. I have also been to vacation in Paris, Mexico, New Mexico, Wyoming, Cape Cod and the California wine country in the past 8 years.
My ability to travel is a dream come true. My ability to pay for it feels like a miracle, but it isn’t. It is a result of using a very specific budget system that thinks ahead so there is money there when you need some.