What’s in your wallet?

Untitled

19 years ago, at 7 am in a near blizzard, I got in my 9 year old Subaru Loyale, and drove 50 miles to bankruptcy court. My lawyer, whom I had met with once, several months prior, was supposed to meet me there.

He was an hour late, citing the weather. He got no sympathy from me. Even the trustee was unimpressed. He pointed out to him that I had come farther, and that I had been on time. I missed my scheduled time because of him, so I had to wait until the end of the regular schedule for my hearing.

I think the trustee felt sorry for me that my guy was such a loser, but that didn’t stop him from levying a $37,000 judgment against me. I had to borrow the money to pay the judgment from my parents, who had to take out a second mortgage on their house to get it. It was 3/4 of the total amount I owed. So much for starting over.

I paid my parents $500 per month for the next 7 years to repay that debt. They wouldn’t let me pay interest. I had a good job, and after a few years I was able to get a secured credit card, so was able to start rebuilding my credit. In 2009, I was able to get a loan to buy a house, and I felt like I was in the clear.

Then my dad died and I moved in with mom. Dad had been ill for a long time, and by the time he died, the house was in severe disrepair. Those repairs, along with the steep property tax owed for the next few years, forced me into credit card debt once again. Given my history, I didn’t make that choice lightly, but neither mom nor I had any savings, so I had no other recourse.

I had built good credit over the years, though, so 3 years ago my credit union offered me a high limit, low interest credit card that I used to transfer all my debt from the other high interest cards.

This past Saturday I made the last payment on that card. As I write this, I have no credit card debt. In fact, the only debt I have now is the mortgage on my little house, cuz last fall I paid off the car I bought 5 years ago. I don’t really consider my mortgage a debt, per se, cuz if I wasn’t making a house payment, I’d be paying rent, so to me it seems like the same thing.

No debt. I can hardly believe that’s true. I feel free in a way I haven’t since I left high school. Student debt that took 12 years to pay off, credit card debt, car payments on 6 or 7 cars over the years, the bankruptcy judgment, more credit card debt; owing someone something has been a constant in my adult life.

Owing, or being in debt is a powerful metaphor. Not only do I believe in karmic debt manifesting in this life, but I think psychologically I always felt I had to pay my way here because I didn’t really belong. As a child and then young adult, I felt that there was nothing here for me; that my presence on the planet was a mistake, and that I had to make up for what it took to sustain me.

I don’t feel that way now, thank goodness, so I’m hoping that my new found freedom from debt is permanent. The tide has turned. The money that was going to debt payment is now going into savings. After 20 years at Acme Health Services, I have a nice pension fund building. I’m hoping to refinance my house soon, and in a couple of years, transfer it to a reverse mortgage or sell it.

So I’ve kind of backed in to a good financial situation. I’m not rich, and I’m probably not ever going to be unless Publisher’s Clearinghouse is involved, but I feel good about my financial future in a way I never have before, and that’s a very good thing. On that day 19 years ago, I never would have imagined this day would come.

I found my way through the blizzard, and I can see my way forward clearly. It took 58 years, but I made it. Hallelujah!

 

 

Shadows on the wall

Treasure - Joseph Campbell

I came across this quote from Joseph Campbell a while ago and it struck me immediately. Yes! Of course. Life is hard. It’s not a bug; it’s a feature.

If you’re having a hard time, you’re not doing it wrong. It’s hard for everyone, even if it doesn’t seem like it. Most importantly, you’re ready for it, even if you don’t know it yet.

Humans are equipped for difficulty. We are outfitted for adversity by design with our big creative brains. We are hard-wired for problem-solving. We have the ability to think about the past, the present and the future; to remember and to anticipate. We can visualize our place in time and space.

We can control our thoughts. We can learn from mistakes. We are able to empathize with other creatures – to think beyond ourselves and our own needs. We can anticipate and avoid danger, and this has helped us survive as a species.

Somehow, however, we have become so averse to experiencing hardship and it’s accompanying emotional pain that we’ve convinced ourselves that it’s not supposed to happen. Worse, we believe that there’s something we can do or something we shouldn’t do, that will ensure a carefree life.

Happy, Happy, Joy, Joy!

But here’s the reality: That’s not the way life is, and it’s not how it is meant to be. It just is what it is. Up and down, good and bad. There’s nothing you can do, or anything you can stop doing to ensure a smooth journey through a joyous life. You can’t avoid experiencing the bad stuff. Full stop.

Every being on this planet experiences hardship.

Sadly, though, you can avoid dealing with the pain of those experiences and that’s what’s getting us in trouble now. Our big brains have solved the “life hurts” problem in the short term with all sorts of distractions – food, drugs, sex, social media – it doesn’t really matter what the distraction is as long as it pings the pleasure centers in our big brains, and gets those magic endorphins swimming around in there.

I say in the short term, because typically you can only employ these methods for a relatively brief time before they start contributing to the “life hurts” problem more than solving it, and that’s only if your distraction doesn’t kill you and/or something in your life that matters to you.

Honestly, our happy shiny/everything’s fine/I’m okay you’re okay/skating on the surface/ first world existence is killing us and the planet. Everything is not okay, and our belief that if we’re not “happy” all the time, and doing everything “perfectly” according to society’s whims we’re doing something wrong, is sad, dangerous, and just plain incorrect.

Give yourself a break. Life is hard, and if you get that and you’re facing it head on, then you are doing it right. Bad stuff happens, good stuff happens, and your reaction to both is what has the potential to make your life meaningful, to yourself, other people, and to the planet.

Instead of trying so hard to avoid stumbling, and avoiding the dark places, the problem we should set our big brains on solving is how we can better help each other go in after the treasure, holding hands, and reassuring one another. No more distractions. No more shadows on the wall. Let’s get real. In this year of perfect vision, let’s take the blinders off, and gently, kindly, help each other find our way through in the dark.

If your life is going smoothly right now and you’re having a blast, good for you! Enjoy this time. Regroup and recharge.

If you’re stumbling, do the best you can to keep going. You’re not alone. It doesn’t seem that way if you spend a lot of time on Facebook or Instagram or watching TV, but that’s all fiction. Rarely is real life depicted there. Hang out in the dark for a while until you come out with the treasure. It’s there, and you’ll find it if you look for it, rather than trying to distract yourself from the pain. Be brave.

Feel the pain, but don’t dwell on it. Listen for what it’s trying to tell you and then let it go. Pain is inevitable. Suffering is optional.

You may need a guide to lead you through, or maybe just a helmet and some rope. Get what you need. Take care of yourself. Take sandwiches; you may be in there a while. Wear warm clothes. It’ll be scary, but don’t give into the fear. Find your way through, grab the treasure – the wisdom, the healing, the fundamental truth about yourself, and/or your life, the understanding, the ability to go on – and come back into the light.

We’re waiting for you with open arms.