Tag: finances

  • For Me, The Best DIY Project Is No DIY Project

    Describe the most ambitious DIY project you’ve ever taken on.

    Spring 2001.

    I was in the midst of a major (and expensive) home remodel which involved improving the basement and actually finishing the top floor of a three story house. In the midst of all this, it was decided to also paint the main floor bathroom.

    I was 33. I had a lot of energy. I had a young family (two young children) with a stay at home parent (their mom) who needed every ounce of savings we could spare. So I decided to take on the painting of the main floor bathroom. It didn’t matter that for four years before this I had tried and failed at numerous home improvement projects that we ultimately had to hire to be rebuilt. This was painting. How hard could it be?

    For two nights, after work, after dinner, after story time and teeth brushing time and putting the kids to bed time, I went into the bathroom and I painted. I’d change my clothes, get the brushes etc.. I taped all the edges, and carefully carefully carefully rolled and brushed the paint on the floor. I don’t remember why it took so long, maybe it was because I put on two coats of paint, but I believe I painted for two days until 1am, perhaps eight hours in total. I’d go to bed exhausted, get up at 6am the next morning, put in another full (stressful) day at work, then repeat the process.

    When I was done, the bathroom looked — terrible.

    Truly terrible.

    I hadn’t taped properly so the paint edges looked like bright dragon’s teeth. There were drips all over the place where the paint had been too think so sweated down the wall. And the paint had been applied spectacularly unevenly where some spots were pretty bare.

    Despite my exhausting effort that cost me probably eight hours of sleep, we ended up hiring someone to re-paint the bathroom walls. In other words, my effort was a complete waste of time.

    I had to admit to myself, that no matter my intentions, no matter how many books I read or videos I watch, I am not a DIYer. Not by any stretch of the imagination. I’m just not good with tools or projects like that, in terms of aptitude, efficiency and skills.

    We like to say, where there’s a will there’s a way. But that’s not true at all. Just like there are lots of people in this world who will never run a 4.4 forty no matter how much they devote themselves to that cause, there are people like me who will never be a skilled or acceptable DIYer. My brain just isn’t wired that way.

    So, for me, I’ve learned that I can waste my time trying, or I can just pay the money upfront. So that’s what I do.

    For all this reasoning, I’d say my best DIY project was that bathroom since it showed me the mirror. But the truth is the best DIY project is — for me — no DIY project.

  • Living A Different Life Than My Parents (AKA My Parents At My Age)

    PROMPT: What were your parents doing at your age?

    I was always 5-10 years behind my parents.

    By the time they were 20, my parents were married (to each other 🙂 ). They started careers at 21, having kids (me) at 21 and they owned a house by 22. Later, they upgraded their house by age 27, started earning decent money at 30, and making great money at age 40.

    Me?

    I was married (for the first time) at 25. Started my career job at age 29. Had kids and a house at 30. And started earning decent money at age 35.

    Always I was about five or ten years behind them. And that was okay.

    By some miracle I caught up to them by age 40.

    At age 40 I had some lucky breaks in my career, and I too suddenly started making pretty great money, just like my parents themselves had done at 40. Mom was proud of me, telling me that I was farther ahead of them by age 40, but the reality is we were about even.

    Then life took me on a different path for me.

    I got lung disease at 43. What started out as some fatigue and breathless when I exercised at age 40 was diagnosed as potentially-fatal lung disease when I was 43. That irrevocably changed the course of my life.

    Whereas my parents spent their 40s having fun and accumulating money for retirement, I spent my 40s managing my health and holding on for dear life to my life and my career.

    I spent countless hours in the doctor’s office. I lost a job, then found and lost another job. Meanwhile, after 5 years of trying to push and horse whip me back into my past successes despite my lung disease, my (now ex) wife lung gave up on me and moved on, first emotionally and then completely.

    By 50 my parents were living their greatest life and could retire at any time.

    By 50 I was job hopping, making half what I’d been at age 40, job hopping, managing my health as a second job, and hoping I could scrape enough together to retire by age 70.

    In short, by age 50 my parents had been a LOT better off than I was.

    And that’s okay.

    I’m not my parents. My life is not my parents’ life. I was blessed because life could have just used my lung disease to kill me, but instead it spared me and I learned that I am a survivor, a battler, and surprisingly resilient.

    And, overall, happy. Happier than I was at age 40, for sure.

    I’m remarried. I won’t retire rich but by age 70 I’ll be okay.

    In short, I was behind my parents, then caught up to my parents, then life pushed them ahead while knocking me back. And all in all I’m grateful. Because at the end of the day, all that matters to me is carving out some joy, managing my stress, and being alive.

  • AutoPay and Digital Music Are The Greatest Inventions In My Lifetime :)

    The most important invention in your lifetime is…

    The world has changed so much in my lifetime.

    When I was born, we’d never been to the moon. It’s possible it was all a hoax and we still haven’t been to the moon, but let’s assume that it’s real and we indeed have been to the moon. That was the year after I was born. Pretty amazing. In my lifetime, so much has changed, of course. There are too many inventions and changes to even begin listing since we all know what those are. But, for me, the greatest inventions have been autopay and digital music.

    How much I hated paying bills before the 2000s. How much drudgery it was. There were checks to write, stamps to buy so I could send in those checks, reconciliation at the end of the month to make sure everything was accurate. Then for every day spending there was so much speculation how much cash I might need, then persistent worry I might lose or miscalculate the cash. Now it all — everything — just goes on my Visa which I can then peruse in a few minutes at the end of the month, challenge quickly online with Visa if something seems amiss, and then pay with the click of a button. Every expense imaginable goes on that credit card, and it has just made everything so much easier to deal with!

    And then there’s music.

    How much time did I waste in my life making mixed tapes. Or rewinding cassettes. Or cleaning records. How much money I spent for albums that overall I didn’t like very much but had two songs I liked. And how many times did I have to listen to a song over and over and over again on the radio until the point a song that I might have once liked became absolutely intolerable to listen to, not to mention all the ads in-between songs. But with digital on-demand music, every song I could possibly imagine is right there for free.

    The world has changed so much. Many of these have been bad, some of these have been good, and there’s no doubt it has changed the world so very much in 50 short years.

    But my favorite changes are on-demand music and auto pay. They’ve made my life so much easier and more enjoyable — every single day.

  • How The Passage Of Time Has Influenced My Perspective

    How do significant life events or the passage of time influence your perspective on life?

    How The Passage Of Time Has Influenced My Perspective

    I was 43 the first time I started to relax.

    For 20 years of my adulthood I’d fretted and toiled. Fretted and toiled, mostly about each of life’s milestones.

    First, it was to graduate college. I was going to university in a small town that I didn’t like very much, because being in my early 20s I didn’t want to be in a small town — I wanted to be in the city! So I wanted out of that college, and the best way to do that was to graduate, so I fretted and toiled my way toward graduation.

    Then I graduated and it was time to get my career going. Except we were in a mini-recession (early 90s) at the time and no one was hiring recent college graduates. So I worked a series of grunt jobs as a mover and a DJ and bank teller and tutor, and meanwhile went back to school to earn my teaching certification. I’d love to say those were good times, but they weren’t: it was a time of very low checking account balances  and day-to-day drudgery and all through those years I fretted and I toiled.

    Then I got out of school and got my first career job and then wanted so desperately to have a house. I felt like houses were out of my reach, and felt a lot of resentment at older generations for creating a world where I couldn’t afford a house. I spent a lot of time fretting and toiling although after a few years I was actually able to buy a house (!).

    And so it went.

    Every single step of the way, year after year of my 20s and then my 30s, I fretted and toiled. Fretted and toiled. I was pretty miserable most of the time, if I’m honest. Yes, I had my moments of joy, and on the surface everyone always commented how happy I seemed, but there was just this overwhelming sense of toiling and fretting surging through my veins like an invisible poison. I worked and worked, and when I wasn’t working I was taking care of the kids and the house and covering for an always-absent (now ex) wife, and all the time I worried and fretted about this and that, always worrying about the next milestone.

    Then there was hope!

    There was a moment — actually two — when I was 43 when I finally relaxed.

    The first moment was on an early morning bike ride. We were at our vacation home, which I loved BUT which I was forever worried about paying for, and we were at the house one summer week when I was on a dawn mountain bike ride through the forest. There was a moment along the river when suddenly I realized the early morning sun was on my face, and the birds were singing all around me, and the river was murmuring next to me, and meanwhile the sweet smell of nature was in the air. And suddenly I just stopped. I stopped, got off my bike, and just soaked in that moment for a minute, then two minutes, then 15 minutes. There literally was not another human being around me, and I suddenly wondered if I were in heaven because it was just soooooo peaceful. Up until that time, I’d never experienced a moment like that before.

    The next moment when I relaxed was THE moment when I relaxed. Age 43, and having dinner with my parents, and was making great money, and my work seemed to love me, and the kids were teens and seemed happy, and my (now ex) wife was around helping a little more often, and I was even still in my athletic prime (I’d batted .920 in and still regularly making diving catches during the recently-ended softball season), and suddenly I thought, “I’ve made it. I’m going to be okay.” I actually thought life might freeze at that very moment, where I’d be okay and age 43 forever.

    But time didn’t stop. And (thankfully) life didn’t stop.

    It kept on coming. Moment after moment, day after day, year after year.

    That was way over 10 years ago.

    In the decade since that moment at dinner with my parents, so many changes have happened in my life. I was let go for the very first time, and then for the second time. I battled a fluke lung disease (successfully, thank goodness). I got divorced and then after promising myself I’d never date again actually dated again and got remarried again (to a much more present person than my ex was). And meanwhile the years just keep on coming. Tick. Tick. Tick. Tick.

    To me, the most shocking things aren’t the life changes I’ve undergone since I was 43 (actually, each one of them has been a blessing). It’s that each year just keeps on passing. That life just keeps on passing. One year after the other. And it makes me realize the folly of toiling and fretting about milestones, about wanting to achieve certain things on a certain timeframe in life at the expense of being in the moment. Because life is in that moment. My amazing ex-grandmother-in-law used to say, “Life is what happens while you’re making your future plans.” How true that is.

    I wish I could go back in time. And to tell myself to stop fretting. And to stop toiling. Because that stole so much happiness from me, and sucked 20 years of my life away.

    But.

    But!

    I’m here now. And presumably I still have a few decades of good life left in me. And I’ve been influenced by the passage of time in that I’ve learned to just be in the moment, to just feel joy in the here and now, and to take a moment to appreciate each and every day.

    Regret is folly. Better is to take what we’ve learned and to apply that to our present and future. Because our present and future is all we have in our life. And I’m just so grateful that time has taught me to appreciate today.

    Wishing you a great day.

    NOTES:

    • Every day WordPress offers a writing prompt. I’ve never been a writing prompt person but actually have been enjoying these prompts. This is my response to today’s prompt.