midlifedude

Man at midlife making second half matter

Archive for the category “living cheaply”

On Being Alone: An Unanticipated Thanksgiving

I had moved into my new apartment in Summerville, SC just five days before Thanksgiving and two weeks into a new job, which I took to start a new career in counseling, more than 500 miles from where I had called “home” for nearly three decades, Maryland. It was too soon to fly back to see family for the holiday, and too ominous to face the Thanksgiving Day and subsequent weekend travel frenzies. Besides, my kids were scattered – my daughter in France for her post-college job teaching English and my son visiting his mother in Texas.

So I resigned myself to that most melancholia of situations that Americans seek desperately to avoid – spending a hyped holiday alone. I was too new in my adopted hometown to be taken in as a Thanksgiving orphan – barely anybody even knew I existed here, save for my new work colleagues and one college alum.

I was destined to join those invisible people who had nowhere to go for a holiday that screamed Americana, with its pilgrim, culinary, family, togetherness and football customs, and nobody coming to visit them – the stereotypical widowers, spinsters, shut-ins, homeless, outcasts, infirm, aged, black sheep, oddballs, cat ladies, mountain men, lone wolves, eccentrics, hermits, hoarders , rejects and recluses.

I searched for a volunteer opportunity to serve meals to the less fortunate on Thanksgiving Day, but couldn’t find one. A big meal-serving charity in Charleston already was overloaded with volunteers and could accept no more, and other organizations needed help in the days before Thanksgiving. I settled on volunteering for the Turkey Day Run 5K in Charleston, SC, a big fund-raising event. That got me out at 6 a.m. and occupied me on a chilly, rainy day until 10:30 a.m.

For the preceding week, a common salutation with clients at work, exchanged both ways, was “Have a good Thanksgiving,” or, “So what are you doing for Thanksgiving?” constant reminders that I was doing nothing for Thanksgiving and that Thanksgiving, if I stayed strong mentally and emotionally, would be no worse than any other day, but certainly not “good” or “happy” in the traditional sense of celebrating a sacred time with friends and loved ones.

When I returned to my apartment, I did what anyone would do on a rainy day holiday

EmptyApt

My “chair” and “table” in my Spartan apartment

with nowhere to go and nobody to entertain – took a long nap to sleep some of the day away. If spending a uniquely American holiday alone was melancholy to begin with, it was amplified by my current Spartan living conditions. I have no furniture – none. My place is bare, except for the air mattress serving as my bed, a food cooler as my chair and a plastic container as my dining table. I could not fit any furniture in my car on the move down, and I won’t be returning “home” to retrieve furniture and pack a rental truck for another two weeks. Not even a TV or a stereo or Internet. Silence. Just me and books. On my Thanksgiving menu: catfish and frozen sweet potato fries.

When I awoke around 4, I decided to get out of my threadbare confines and bring my computer to the apartment complex’s clubhouse, where I could get Internet connection and watch the football games. I predicted I would have the place to myself, as other residents would be celebrating Thanksgiving with friends and family elsewhere. As I approached the clubhouse, I saw a bunch of people mingling inside.

Oh, great. Booked for a private party,” I thought. “Looks like back to my apartment for catfish and a book.”

But I decided to check to make sure.

“Is this a private party?” I asked the woman who greeted me at the door.
“No, come on in. We’re The Misfits,” she replied.

“Are you sure?” I asked, still feeling as though I was crashing a closed event. “I didn’t bring anything.”

“Don’t worry about it. We’ve got plenty,” she replied.

I entered to find about 40 people, from toddlers to grandparents, celebrating around a veritable Thanksgiving buffet feast. Turns out, The Misfits were what my greeter called “implants” – well, she meant “transplants,” not people with dental work – people at the apartment complex and their friends who had moved to South Carolina from elsewhere and had no family nearby. They had been gathering for holidays and other events for several years.

I stayed for several hours, stuffing myself, watching football, and meeting friendly people in a festive environment. It sure beat being alone, and made for a surprising, grateful Thanksgiving.

That said, being alone is not dreadful. It does not equate to sadness, depression, or even necessarily loneliness. It’s not to be feared. I often embrace solitude, and have done and continue to do many things by myself, even though I enjoy social activities, spending time with friends and being a family man. Enjoying solitary pursuits and engaging in social endeavors are not mutually exclusive. I’m an introvert. I am often more inspired by things I do alone than energized by being around lots of people. But that doesn’t mean I don’t like a good party or social outings.

Being alone is about being comfortable with the self, and knowing that it is a condition that one can change if desired. It is about finding things to do that one values and from which one derives pleasure when undertaken alone. It is about feeling worthy and valuable as a human being, even if one is alone, at least temporarily. It is about being comfortable turning inward and exploring the messages of one’s own soul – the often hidden wants as well as the often elusive sense of peace and acceptance, the true self – rather than constantly craving and responding to external stimuli. It is about having the chance to slow down, quiet the mind, reflect and recharge, and direct one’s energies toward passions, free from the pulls and distractions of others’ wants, needs, expectations and demands.

By twist of fate, my 2017 Thanksgiving combined both ends of the spectrum – aloneness and togetherness. I give thanks for both in my life.

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Good Money

When I would tell people I got a new job to start a new career in another state and would be moving, one of the first questions they’d inevitably ask was, “How much will you be making?” Or, so as to be less crass, “Will you be making good money?”PileOfMoney

In our competitive, capitalist, consumerist society, it is only natural that money is the first thing that comes to mind when someone accepts a new position. To be sure, why would anyone choose to move more than 500 miles and three states away for a job if not to make good money?

I had three answers for that question, and all had validity:

  1. Yes, of course I would be making good money, because there’s no such thing as bad money.
  2. No, I wouldn’t be making good money, compared to the much better money I had made in previous jobs.
  3. None of your friggin’ business what kind of money!

The answer is not simple. My job as a therapist under a two-year provisional license pays considerably less than my previous positions in public relations. I am at the entry level in the mental health field, where salaries and pay, though variable depending upon many factors, are relatively low compared to many other professions.

However, my job pays considerably more annually than the series of Gig Economy counseling internships and part-time and temporary jobs I had pieced together for the final two years of my counseling master’s degree program after leaving my full-time job. So viewed from that perspective, my new job does pay good money, and I’m grateful for that.

In midlife, we evaluate what we’ve already done and what we’d like to do with our remaining years, which no longer seem infinite. Priorities change, as we shift from the achievement-oriented, ladder-climbing, self-focused goals of younger adulthood to an increased desire to make a contribution to others, pursue meaningful activities and leave a legacy. My change to a career in counseling reflects the internal re-evaluations of the midlife transitional period.

When you realign priorities and make a significant change, there will be sacrifices. For me, one of those was money – good money. I knew that consequence of my decision from the start, when I embarked on the graduate program nearly six years before actually entering the counseling field. But I ignored that inescapable fact at the time.

Now that my new level of pay is a reality, I’m adjusting my life and budget to match. I may not yet qualify as a full-fledged Minimalist, but I’ve moved closer to that end of the scale in my spending, decision-making and thinking.

I don’t want to minimize the importance of making money – good money – or pretend I don’t care. It certainly helps in many ways and I always endeavored to make good money – at least the best I could in any given circumstance. I’d certainly rather be well-off and feel secure than poor and living anxiously paycheck to paycheck. Wouldn’t everyone? Fortunately, I have some financial cushion, enough to allow me to overcome the financial anxieties of making a career change, but far below some golden threshold to claim money doesn’t really matter.

But making ever more good money – however one defines it — isn’t the end-all be-all path to an ever more glorious Shangri-La, as a 2010 Princeton University study concluded. The Princeton researchers found that no matter how much more than $75,000 per year that a person earned, their “degree of happiness,” or emotional well-being did not increase. It also found that, though earning less than $75,000 in and of itself did not cause people to feel more unhappy, it did magnify and intensify negative feelings from life problems they had.

Beyond the practical realities of how I spend and the reduced margin of discretionary money available to save or burn compared to my previous work life, I’ve had to make a humbling mental adjustment: Here I am, in my 50s, peak earning years, with two graduate degrees, making less than half of what I made at my last full-time job, and less than or equivalent to many workers with much less education or years of experience than I have. Yet, I would still contend I am making good money, not bad money.

I gain fulfillment and a sense of purpose and contribution from counseling people and helping them improve their lives. Work is stimulating, rewarding and challenging, which I couldn’t always claim before. I look forward to my future in this new profession, and its many opportunities for learning, growth and entrepreneurship.

For those reasons, I know I can take this to the bank: I am making good money, with the promise of better money to come. When you truly enjoy what you are doing for a living and apply yourself with a passion because of that, the money naturally tends to follow. Good money.

Do the Limbo. Or, How to Be ‘Comfortable with Ambiguity’

I am in limbo. Complete and utter limbo.

However, the bar is not set low and I am not trying to shimmy under. The bar is high and I am aspiring to clear it like a Fosbury Flop.LimboDance

It’s not supposed to be like this as a 54-year-old, according to societal expectations. I’m supposed to be settled, stable, predictable, a rock, boring in my steadiness. I chose another path, paved with uncertainty. It’s come with a loss of income, stability and predictability. But I expect the payoff will come in the form of greater life and career satisfaction, and income growth ultimately will follow as I hopefully find passion in my work.

My limbo status is largely of my own design and in small part due to the bugaboo of bureaucracy.

I have 11 days left until my second summer teaching tennis at the Sea Colony resort in Bethany Beach, DE runs out on Labor Day and I return home, jobless and anxious but optimistic. I have spent nearly two years in the Gig Economy, ever since a non-amicable parting with a former employer allowed me to place more focus on a master’s degree program in clinical mental health counseling and the two years of internships required to complete it, as part of a midlife career transition from public relations to counseling. I have been scrambling to piece together part-time, temporary and contractual jobs since I dropped out of the routine 9-to-5 world.

I graduated in May 2017, and expected that tennis teaching for 3 ½ months would provide the perfect bridge to the new career, allowing enough time for me to obtain the state license I need to be eligible to practice, get hired and begin work. But bureaucracy has brought that plan to a grinding halt, possibly leading me to the unemployment office rather than a counseling office, at least temporarily.

A long waiting period to get access to my “official verified” National Counselor Exam report has left my state license applications – and thus job prospects – in limbo, even though I have already been notified that I passed the exam. The blood pressure ticked a little higher each day over the last six weeks as I awaited an email notification from the national counselor certification body that my school transcript met all requirements, along with my exam score, for certification.

One former boss wrote in my annual performance review that I needed to be “comfortable with ambiguity.” That was corporate speak for an organization refusing to accept accountability for its disorganization, poor leadership and incoherent, vacillating strategy. Ironically, now that I’ve left that organization, the advice applies.

My immediate future is ambiguous. I don’t know where I’ll be working as a counselor, or when. I don’t know how long it will take state licensing boards to review my applications and grant a license. I don’t even know what state I will be living in, as I have applied for license in Maryland and South Carolina.

So, what have I learned about being “comfortable with ambiguity?”

  • Take things one day at a time, as cliché as that may sound. Thinking too much about unknowns in the future produces excessive worry but no solutions.
  • Pursue aggressive actions whenever possible to address things over which you do have control, such as making networking contacts, applying to jobs and following up on leads. Taking action tends to boost motivation, confidence and attitude.
  • Detach from the cell phone and computer for periods of time. It’s tempting when living with job and income uncertainty to obsessively check for email and phone contacts, which increases anxiety each time none have come through.
  • Have faith that putting what you want to attract into the universe ultimately will materialize for you, with persistence, patience and a positive outlook.
  • Continue doing things you like to do (that are free or low-cost) to keep your spirits high and take your mind off worries.
  • Squirrel away your nuts (money). Live cheaply (the Minimalist lifestyle) while dealing with ambiguity, to reduce financial pressures.

Limbo is not a comfortable place to be when you have financial and family obligations, when you feel like you should be occupying a certain status and you’re not, and when you like to plan and predict your life with a high degree of certainty. But for me, my current state of limbo is a necessary part of the process of getting where I want to be, just another stage of the journey, another bar to traverse.

Man in the Mirror: ‘Compare In, Not Out’

In the substance abuse therapy group I co-led as an intern, the group leader would tell members to “compare in, not out” when he detected a member analyzing whose addiction was worse than another’s, assessing who among members engaged in more risky or reckless behaviors or seeking salacious details about others’ misfortunes and misadventures.

The leader’s message to the addicts was as clear as the typical pre-school teacher’s emphasizing individual responsibility and self-control to easily distracted and influenced children focused on others: “Worry about yourself.”

It’s a simple message, but one that takes discipline and introspection to implement, whether for the purpose of changing addictive behaviors or many other goals or pursuits in life in which the temptation is to compare ourselves to the status, abilities, fortune and accomplishments of others. The era of social media has compounded the phenomenon of “comparing out” through the instantaneous access we have into the windows of others’ lives – their new jobs, kids’ achievements, lively social gatherings, adventurous vacations and other things of which to be envious.

We would be more satisfied with our lives if we would “compare in, not out.” To me, “comparing in” means evaluating myself according to my assessment of my own Man in Mirror 2potential, my ability to strive for and attain goals I believe are worth pursuing, being happy with what I have at any given time rather than desiring what I don’t, and living life in a way that makes me feel positive about my actions, conduct and treatment of others, even though it will be far from perfect.

Still, living life without “comparing out” is a challenge for me, as I imagine it is for nearly everyone who hasn’t mastered some form of meditation or inner peace.

Right now, I am struggling against “comparing out” as I begin my second summer as a seasonal tennis instructor at a large beach resort tennis club, a “gig economy” interlude as I make a career transition to counseling.

Among the instructors, several of whom are year-round employees, it is apparent that I am ranked lower in the pecking order, understandably and justifiably as a seasonal staff member, similar to last summer. I know what I have to do to be successful is to conduct each clinic and private lesson to the best of my ability, stay upbeat and high-energy, engage clients in a friendly, interested and courteous manner, and work cooperatively with the staff as part of a team. But I still find it hard to resist comparing the assignments and the number of on-court teaching hours I get – which determines income — to others. Such “comparing out,” and the ruminations it causes, only makes me feel worse; on the other hand, “comparing in” when I give my all for a lesson or clinic, or assist a fellow instructor when needed, makes me feel positive.

My career transition from public relations to counseling is another area where I have to fight the lure of “comparing out” and instead “compare in,” basing my assessment on what I deem is fulfilling and achieves a sense of purpose. Though there is potential for income growth with the establishment of an independent counseling practice in the future, my first job in the profession likely will pay about half of what I was making in the public relations position I left. Eyeing the reality of my pending job search, it is challenging to avoid “comparing out” to other professionals in my age group who may be at the height of their earning potential and aren’t worried about scraping by. That’s when it’s important to “compare in” and realize I chose this path for a reason and I am fully responsible for my decision and the outcome.

“Comparing in” is difficult because it puts the onus squarely on us for our own successes and failures, our current condition in life, our decisions and behaviors, and, perhaps most importantly, the way we feel about ourselves and our own satisfaction and happiness. When we compare ourselves only to our own standards, goals, morals, ethics and beliefs, we strip away self-delusions and rationalizations and are forced to see only the “Man in the Mirror,” our only true compass.

15 Principles for Surviving and Executing a Career Transition

In two months I will complete a graduate degree in clinical mental health counseling that will have taken 5½ years to finish, enabling me to take final steps to executing a fairly drastic midlife career change from public relations. I had made a career change before, from journalism to public relations. Though still jarring, that transition was significantly more seamless than this one, requiring no additional education and using many of the same skills.

I have been seeking to derive more meaning and satisfaction from my career, as well as tCareerImagehe opportunity to self-direct my future, embrace an entrepreneurial spirit, contribute value to society and work flexibly, creatively, collaboratively and independently. I explored life-coaching, completing a series of training courses, but ultimately didn’t pursue it. But the idea of helping people with psychological, emotional and life challenges stuck with me.

It took me about three years of mulling the idea to apply to graduate school for counseling and another year after acceptance to enroll in my first class. Twenty-one classes and three internships later, I’m on the precipice of a career transition.

It hasn’t been easy. As I started my internships, I ran into a buzz saw at my PR job. It was miserable, and at the same time the best thing that could have happened. I couldn’t have done both well simultaneously, along with graduate classes. I would have burned out. I left my job, and the security blanket of a biweekly paycheck. That was 18 months ago. Since then, I’ve lived a much more itinerant, unpredictable and frugal existence, cobbling together temporary, seasonal and part-time jobs, and unpaid or low-paid internships.

In brief, these are 15 principles I’ve learned about making a significant career change, concepts that are valuable to consider while mulling a change or while bulldozing through the trenches:

  1. Long-Term Vision – A career transition won’t happen if you can’t envision a different future, if you are too overwhelmed by the daily grind and stressors to dream about a new life.
  2. Delay Gratification/Patience – Depending on how drastic the change and the amount of education and training required, the transition could be a long haul rather than a quick fix.
  3. Risk (Tolerance/Acceptance) – You will be giving up something known for something new, with no guarantee of breaking in, or even being proficient at or liking the new endeavor.
  4. Self-Knowledge – Become clear on what is most important to you, your values, how much risk you can tolerate, and how hard you are willing to work to make a change happen.
  5. Courage – You’ll have to be brave enough to take risks and step out of your comfort zone.
  6. Confidence/Self-Assuredness – Consider how you will handle other people in your life, including those closest to you and colleagues in your current occupation, questioning or casting aspersions on your decisions. How much would a wave of skepticism and criticism deter you or affect your thinking and beliefs?
  7. Identity – Leaving a profession, especially one you’ve worked at for years and in which you’ve achieved a certain level of expertise, status and success, can significantly alter how you identify yourself. Can your ego withstand such an identity loss, while building a new and different piece of your identity?
  8. Research/Network – It will be important to determine the costs and requirements (and barriers) to entry into a new profession, as well as occupational outlook, such as job growth and salary projections. Soak up all the information you can about your prospective new career while considering a transition and in the transitional phase by interviewing people in the field, networking with fellow career changers and professors, taking classes, attending conferences and reading industry journals.
  9. Commitment/Persistence – A half-hearted or uncertain effort will likely fail to result in lasting change, like my foray into coaching. The urge to give up may hit, especially early in the process. You’ll have to constantly re-evaluate your commitment, revisit why you embarked on the effort in the first place and resist inevitable doubts.
  10. Embrace Uncertainty/Unpredictability – Become comfortable with not knowing and embracing the journey as an adventure. View unpredictability as making life more exciting, stimulating and challenging. Here’s where faith and spirituality can come into play.
  11. Sacrifice – Be prepared to pay costs in terms of money, time, effort, perceived security and status (you may go from being expert to novice).
  12. Hustle/Scramble/Diversify – A career transition may not be seamless, moving directly from a job in one career to a job in another. There may be an intermediary period involving education, training, internships and the like. You may have to jump off the cliff during this period – leaving security behind – but with a parachute. You just won’t be able to be sure where you may drift or land along the way. You may have to be aggressive in patching together a living from various jobs that aren’t career jobs, but serve as a means to your end. You may have to call on skills you weren’t using in your current career, or adapt your skills to different positions that work within your new goals. For me, that meant working summers as a tennis teacher and applying writing and teaching skills as a university writing tutor.
  13. Flexibility – A flexible frame of mind complements the principles of identity and hustle. If you are not rigid in your identity, you can explore varied employment opportunities, living arrangements and lifestyles that can help you manage the transition. If you are open to a wide range of income-producing opportunities, you can minimize your reluctance to try new things – perhaps jobs you would have once considered beneath you — and ramp up your hustle to get them.
  14. Financial House – Your transition will be easier and less stressful if there is Order in the House, the Financial House. As much and as far ahead as possible, craft a financial plan for the transition. Build savings cushions and tuition accounts, if education is necessary. Consider becoming a minimalist in your lifestyle choices, to some degree. A transition likely will come with some financial pain, including possibly a precipitous income drop from your previous career once you start in a new occupation, but planning and frugality can mitigate the potential pitfalls.
  15. Negotiation – If you’re lucky, you’ll have a current employer who respects, or maybe even encourages and supports, your career-change endeavor (I wasn’t). If so, see how you can negotiate to get what you need – time, a flexible schedule, tuition assistance, remote work arrangement – while continuing to fulfill your employer’s needs. You may be able to hold onto your job and income much longer (I couldn’t), helping to bridge the transition.

 

 

Divorced Parents with United Financial Goals

One of the toughest things about divorce is untangling and dividing finances, and planning and making financial agreements for the future that each party can live up to when kids are involved. Fortunately, my ex-wife and I have done a pretty good job at that, and it’s paying off now.

Money battles between divorced parents and short-sightedness not only cause intenseCollegeTuition acrimony between the former husband and wife, but almost unavoidably will spill over into relationships between the parents and the kids and cause more turmoil, stress and anxiety. Challenging enough that parents who once combined incomes to create more buying power and economies of scale have to double down on everything after divorce – housing, property taxes, furniture, electricity, cable, maintenance costs, health and car insurance and more – without negatively affecting relationships and kids’ attitudes, perceptions and sense of well-being and security.

My ex-wife and I are likely going through our greatest time of financial stress since our separation 11 years ago right now, yet we are weathering it well (I can’t be positive, but I think I can speak for both of us). This fall 2016, both our children will be in college at the same time. In addition, I am in a graduate school program for counseling, so I’ll be paying for three higher education degrees simultaneously.

But a few things have saved us from potentially extreme financial pressures and enormous debt.

First, we planned for the kids’ college education early in their lives, investing in Maryland’s prepaid college tuition program (for two years’ tuition) when they were 4 and 2. We also opened Education IRAs for each child around the same time. Second, when we divorced, we agreed to continue contributing to each fund on an arranged schedule, and each of us adhered to the agreement. Third, I opened Maryland 529 college investment accounts for me and both kids a few years before my oldest entered college to help fund my education and fill in inevitable gaps in theirs. Finally, each kid made wise choices to attend state universities, where tuition costs are half or less of private or out-of-state colleges.

My ex-wife and I each have had the discipline, cooperation and foresight to keep contributing to the kids’ college educations, even though we were no longer united or in agreement on other things. Sending both kids to college still will make a big dent in my monthly budget and annual cash flow. But as a result of our advanced planning and divorce agreements, I believe each kid will be able to graduate from college debt-free (and me from my graduate program without wiping out savings and investments). That will be a huge gift to each of them, and a big benefit in starting out their adult lives.

Working together with an ex-spouse after a divorce, as aggravating and imperfect as it may be at times, certainly pays off, both for the kids and the adults going their own ways.

Living on the Cheap

Since I left my full-time, public relations job last October to focus on my unpaid counseling internship and a full-time course load as a master’s degree candidate in pastoral counseling, I’ve adapted to living on the cheap.

I can’t say I’m living a deprived life or even struggling. I have everything I need and much more. I can’t say I have any idea what it’s like to live day-to-day, hand-to-mouth, wondering where the next meal will come from or worrying about losing my shelter. Comparatively, I’m well-off, not one of the “1 percenters” but probably closer to that than the bottom 75 percent.

But I am more aware of, and closely monitoring, my discretionary spending, much morePennies_cheap than when I knew my bank account would be replenished with an equal amount every two weeks. I am subscribing to minimalism, at least to some extent, as described in the book, Everything That Remains by The Minimalists.

Still, just as I’m transitioning careers in midlife, I’ve hit a time of financial stress and challenges. In addition to my own graduate school tuition, I’ll have two children in college in the fall. Three simultaneous higher educations will blast a cannonball-sized hole in any family budget. I am not so many years away from typical retirement age – though with my new career, I plan to work as long as I want and don’t ever envision really retiring. And if the theory holds true that you will need $1 million in retirement to last, I have a long way to go. And I have an aging parent who could need financial help in the future.

Despite my income needs, I reached a point where I knew I couldn’t adeptly handle a full-time job, a part-time internship and graduate school classes, and perform any of them well and with full focus, without suffering from stress, exhaustion and dissatisfaction. Trying to handle them all might have doomed completion of the counseling master’s degree after a four-year investment.

Luckily, I have a wife with stable employment (though with a company known for frequent layoffs and restructurings) that has provided a financial anchor while I scramble to produce more erratic income from various sources.

That’s what brought me to the Sea Colony Tennis resort in Bethany Beach, DE to work as a seasonal tennis instructor for the summer. Though it required me to be away from home, it provided the greatest earning potential for the short period between internships and semesters.

I found the cheapest place I could rent, no easy feat along the shore, and am living with two roommates. One roommate is another tennis instructor who is living similarly frugally. He turned me on to the Dollar Store, where we’ve bought a lot of our food, toiletries, medications and household items at half the cost of the grocery store. We found the Atlantic Community Thrift Store, where I got a cool Old Navy bathing suit for $2 and he found a Pinehurst Golf jacket for pennies on the dollar and a desk chair for $3. My roommate has found a way to play several holes of golf for free by walking onto a course near our house after regular hours.

I’ve been here for 15 days, and have gone out for a meal only once, my first night. It’s tempting, with all the restaurants, seafood and pizza joints and junk food establishments at the beach, but I’ve held off so far. I question each expense to determine if it’s necessary, while still allowing certain indulgences like Dollar Store sale-priced Doritos and ice cream bars.

The tennis teaching season has started relatively slow, while school is still in session and most tennis-player vacations are planned for July and August. That’s when I’ll make my money and the investment to live away from home pay off. I’m conscious that going out for a beer and appetizer plus tip can wipe out the earnings of a one-hour tennis clinic, and what would be the point of that?

My one other indulgence was the clunky, antique, heavy-as-hell cash register I bought on a whim on my way to move to the beach at a roadside antique and junk shop. Even then, I bargained the proprietor down from $50 to $20. I have no idea its worth and it needs some refurbishing, but it looks retro-stylish. I think the guy just wanted to get rid of it, an indication it’s not worth much in its worn condition.

Living cheaply means living more simply. I like it. As long as I have enough income to meet my needs and preferably a few wants, I’m happy. It’s less stressful than trying to make more money so I can live bigger, have more and maintain more. Living cheaply, I can focus on the things that matter – relationships, pursuing fulfilling work, helping others and doing things I enjoy with my time, which will be more possible when my income needs are less.

Living on the cheap was brought about for me largely by necessity. But it is a lifestyle choice that I embrace.

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