{"id":176658844,"date":"2013-04-28T18:37:10","date_gmt":"2013-04-28T10:37:10","guid":{"rendered":"http:\/\/adriennemichetti.com\/truth\/?p=176658844"},"modified":"2013-04-28T18:39:26","modified_gmt":"2013-04-28T10:39:26","slug":"yesterday-on-finances","status":"publish","type":"post","link":"https:\/\/adriennemichetti.com\/truth\/2013\/04\/28\/yesterday-on-finances\/","title":{"rendered":"Yesterday: on finances"},"content":{"rendered":"<p>I didn&#8217;t post yesterday. No really big reason, I guess. I spent most of the day at home managing &#8220;life stuff&#8221; &#8212; paying bills and sorting out the logistics of a big trip this summer, not to mention navigating the issues that surround changing jobs within Singapore as a foreigner.<\/p>\n<p>Not long ago I was living in NYC as a 30something <a href=\"http:\/\/internalsummer.blogspot.sg\/\">graduate student<\/a>. After a fairly successful career <a href=\"http:\/\/adriennemichetti.com\/blog\/about-2\/\">as a teacher in international schools<\/a>, it was a big blow to my professional and adult ego to have to rely on borrowed money to survive again. The last time I had done that was when I was in university the first time, more than 15 years earlier. Yeah.<\/p>\n<p>I loved living in NYC but I found it really hard living there while not earning money. Even after I did earn a bit of money working <a href=\"http:\/\/teachingmatters.org\/\">as a consultant for a brief time<\/a>, I learned it was <strong>still<\/strong> hard. NYC is a hard city to live in comfortably unless you&#8217;re earning more than $250K annually &#8212; and even that&#8217;s a struggle if you want to own property. (Don&#8217;t get me wrong: it\u00a0<strong>is possible\u00a0<\/strong>to <a href=\"http:\/\/nycfree4me.blogspot.sg\/\">live in NYC cheaply<\/a>. It is very possible, and I did it. But it&#8217;s not sustainable if you want to do things like travel, have a family, own property or other investments, or you happen to get sick.) I&#8217;ll be the <strong>first<\/strong> to admit that one of the reasons I wanted to return to an expat life was because I missed my lifestyle. Having a mortgage, living in the suburbs, and commuting 60+ minutes every day to work just isn&#8217;t my idea of happiness, particularly when it comes with the sacrifice of regular travel. If my passport doesn&#8217;t get pulled out every 90 days or so, I start to get antsy. Plus, I missed having a kitchen with two sinks and some counter space.<\/p>\n<p>Getting back into the working world was great. It felt good to be independent again and I realized how much I missed doing something <strong>daily<\/strong> that I felt added value to the world. I have huge amounts of respect for my scholar friends, whose careers involve research, but <a href=\"http:\/\/adriennemichetti.com\/blog\/tag\/ect\/\">as much as I enjoy and value research<\/a>, I don&#8217;t love it to the point where I want to do it every day. It&#8217;s far too insular and not social enough for me to do daily, and I tremendously missed contributing to part of something big and forward-moving, where I could see the impact of my efforts unfold over a relatively short period of time.<\/p>\n<p>And the money was better.<\/p>\n<p>I&#8217;ve never really been one to be motivated by money &#8212; is any teacher? &#8212; but living <a href=\"http:\/\/www.nyc.gov\/html\/ceo\/downloads\/pdf\/final_poverty_report.pdf\">close to the poverty line<\/a> helped me re-frame this a bit (I was living on less than $20K annually in NYC). Here is a truth for me: worrying about finances makes me <strong>considerably stressed<\/strong>. CONSIDERABLY. I imagine it does for you, too.<\/p>\n<p>I&#8217;m grateful that I&#8217;m fortunate enough that I no longer have to worry about this, for the most part, but it has crossed my mind again this week. I&#8217;ve lost several nights&#8217; sleep as I contemplate a summer between contracts with no salary, rent to pay, and sudden possible tax clearance (read: $10K gone at once). It&#8217;s a very real and arresting concern, particularly as during this time I will be traveling on non-refundable air tickets in a country 30 hours away from my current home. I&#8217;m not trying to solicit sympathy here &#8212; I know I&#8217;m okay, I&#8217;m fortunate, I don&#8217;t have children (other than a demanding cat), etc. &#8212; but I do know that thinking about all of this has elicited a few bottom lines for me:<\/p>\n<ol>\n<li><span style=\"line-height: 16px;\">I&#8217;m very fortunate.<\/span><\/li>\n<li>Thinking about the possibility of not having enough money gives me ulcers and makes me stressed to the point of tears.<\/li>\n<li>If I had to think this way all the time I would be chronically ill.<\/li>\n<li>Being chronically ill costs money under my current health care plan and so I&#8217;d probably have to move back to Canada, where health care is guaranteed.<\/li>\n<li>I&#8217;m very fortunate.<\/li>\n<\/ol>\n<p>Thinking more about this now as I type, I&#8217;m realizing that I have a lot to learn. Good thing I&#8217;m working on a <a href=\"http:\/\/adriennemichetti.com\/truth\/2013\/04\/25\/growth-and-learning\/\">growth mindset<\/a> in this domain as well.<\/p>\n<p>That&#8217;s all for now. Another post is coming later&#8230;. I think.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>I didn&#8217;t post yesterday. No really big reason, I guess. I spent most of the day at home managing &#8220;life stuff&#8221; &#8212; paying bills and sorting out the logistics of a big trip this summer, not to mention navigating the &hellip; <a href=\"https:\/\/adriennemichetti.com\/truth\/2013\/04\/28\/yesterday-on-finances\/\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"Yesterday: on finances","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[445,96,444,33,446,222],"class_list":["post-176658844","post","type-post","status-publish","format-standard","hentry","category-uncategorized","tag-finances","tag-gratitude","tag-money","tag-nyc","tag-poverty","tag-stress"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_shortlink":"https:\/\/wp.me\/p3rl4S-bXf2c","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/adriennemichetti.com\/truth\/wp-json\/wp\/v2\/posts\/176658844","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/adriennemichetti.com\/truth\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/adriennemichetti.com\/truth\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/adriennemichetti.com\/truth\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/adriennemichetti.com\/truth\/wp-json\/wp\/v2\/comments?post=176658844"}],"version-history":[{"count":2,"href":"https:\/\/adriennemichetti.com\/truth\/wp-json\/wp\/v2\/posts\/176658844\/revisions"}],"predecessor-version":[{"id":176658846,"href":"https:\/\/adriennemichetti.com\/truth\/wp-json\/wp\/v2\/posts\/176658844\/revisions\/176658846"}],"wp:attachment":[{"href":"https:\/\/adriennemichetti.com\/truth\/wp-json\/wp\/v2\/media?parent=176658844"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adriennemichetti.com\/truth\/wp-json\/wp\/v2\/categories?post=176658844"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adriennemichetti.com\/truth\/wp-json\/wp\/v2\/tags?post=176658844"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}