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Do Our Money Fears Hold Us Back From Our Happiness?

Last week, I asked the question if professional women could make great wives. And of course I said they can. I got a glance at the other side in the most unlikely of places.

Some folks from my job were holding a send off for a young woman who is about my age who quit to be not only a stay at home mom, but also watch other children she knew needed child care. Being an artist and one who loves to cook, she happily makes meals for the kids and gives them plenty of fun projects to do throughout the day.

She has the support of her loving husband, and she basically as a three-year old and a five month old to keep her busy.

It made me think of feminism and choices and women and work and family.

I don’t consider myself a kid person, so just the thought of having five or six small children running around and needing my attention all day gives me the heebie jeebies. But there are some women who really love kids and are great with them. And the world needs more of these people for sure.

Anytime someone walks away from a full-time gig for whatever reason, I count them as brave.

I guess I think about my family and how they think of money and work.

The attitude was/is you have to work and work very hard to survive. Not working isn’t an option.

Even the concept of me going back to school, leaving my job was not an option. I had so much fear surrounding the level of comfort I’ve built up with my steady paycheck, I couldn’t dream of being a full-time student. And why?

I know other people who have done it. They’ve had to scale back and with the scaling back they actually had a lot of freedom. But for some reason, doing that frightens me. I worry I don’t have the kind of financial support to do that.

I do think our parents do plant seeds of how we react to money and I realize that I do treat money the same way my parents do. My folks weren’t necessarily the worst with money, but they weren’t the best. My dad often tells me to be wise and smart and save. And it’s like I hear him, but there are times I feel like I’m waiting for someone else to help me or make me do it, when I should be doing it myself. That is the ultimate sign of independence.

When you know better, you do better. This actually makes me want to talk to my sister about how she sees money and if how we were raised impacts her decisions. We always had everything we needed and even a lot of things we wanted and we were good. And it seems like that’s the way I live my life now.

But I do have friends who I admire who are great savers and when they do run into major financial emergencies, they aren’t happy, but they sigh and dig into their savings and they get the job done.

I tend to sweat it out a bit and get horribly stressed. Things manage to get done, but I struggle.

Over the years, I’ve read books about financial literacy and in my last relationship the one thing I could appreciate was seeing how being accountable to our joint savings account made me feel good when I saw our balance grow and that we always had what we needed.

A wise person asked me, “How on earth could you do that for someone else, but you can’t do the same for yourself? Why do you feel like you can’t do it alone?” And the answer to that is I don’t know, or I’m scared. Money scares me.

Not having it. Not having enough. When I was a kid I didn’t see the sacrifices my parents often made to give us everything. But once I got to college and as an adult, sometimes I felt like my father let me in on too much. Which led to me feeling guilty when I do spend money. But there are also times, when I say screw it, I deserve a treat a break and I splurge. So where’s the happy medium?

I won’t lie, I have always associated the freedom to choose to stay home or work with wealthy women or upper middle class white women. It’s something my mind can’t fathom. But as I think about it, I do actually know other black women who have businesses out of their home and are great moms. Or working black women who walked away from paying gigs, sometimes with no real back up plan to save their sanity. And those choices were always the right choice. It was just about having the courage to ignore the voice saying you’ll fail or you’ll end up on the street.

The point is we all have choices. We shouldn’t let fear tether us to jobs we don’t like, but if we can make our lives work for us in a way that makes sense, we shouldn’t be afraid to change things up.

All of the people I’ve known who’ve taken these kinds of leaps have actually been alright and happier and will say, they may not have a whole lot of money but they enjoy not punching in everyday, but they do have their own set of challenges and problems that do come with their choices.

I know people who have gotten divorced and are trying to rebuild their lives alone as a single woman for the very first time in their lives. How scary is that? But we have to keep moving. We have to push beyond our fears and live.

Do your money fears hold you back from the things you really want?

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2 thoughts on “Do Our Money Fears Hold Us Back From Our Happiness?

  1. My money fears are so real! The main reason my husband and I don’t have a child right now is my fear of not making enough to support having children. Of course my resent job lost has only confirmed my fears. I’m mad at myself for letting fear rule my life (and my husbands) for so long. I’m changing that this year.

    • Your fears are normal. And you both want to be the very best parents you can be for your future child. There is nothing wrong with that. Folks forget family planning is for married folks too! My dad says you are never ready to be parents but when it happens you find a way to step up to the plate and give it your all. You and your husband will be awesome loving fun parents. I believe it will happen when it’s supposed whether you think you are more fiscally stable or not. And regardless, it will work out. Life is scary and none of us really have this thing figured out. But I have noticed that money stress is very real. Im looking at my financial aid award letter like oh boy…here we go! Lol.

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