Saturday, May 11, 2019

Momming Monday Archive: Middle Class Frugality


Kiddo Magiddo's birthday party was this weekend, and I frantically prepped the house for it.  It was pretty bad, and we are going to have to go through a bunch of random piles and boxes in the next few weeks.  I let a lot of things slip in the endless shows and in my exhaustion around Tiny Magoo.  My standards always climb sky-high when it comes to someone else viewing my house, so it created massive amounts of stress.  By the time the party finally started, I was practically listless, and I had done it to myself.  Fuzzy was of course right that no one cared, and the second and third kids to arrive were highly enthusiastic about potato chips, but terrible at keeping them on plates, so there's that.
I was struck by something in talking to the other parents, though.  We are in the lower middle class, in a bracket I like to call "Bay Area Broke."  We would be downright comfortable in many areas of the US, but out here, we are definitely closer to broke.  I can do what I do (contract sewing and costuming) because Fuzzy has a full time job and a side hustle and because we bought our house at the bottom of the market 10 years ago.  Our cars are smallish and ordinary.  My mother-in-law was stunned by how tiny and "boring!" our house was when we first moved in, but she suddenly understood my requirements when Fuzzy lost his job within a couple months of closing.  They sidled up to me, quietly asking how much we needed from them to pay the bills and were stunned to discover we could cover it on my then-full-time job. 

Most of our friends are in similar set ups in our town.  At the party, we had one set of parents who had recently transitioned into the mother staying home.  She was considering returning at least part-time to work, as she had not anticipated how difficult losing money for little extras and such would be.  Another parent was a single parent living with her own parents.  Her income is limited by her inability to drive or afford a car.  Talking with her made me realize that I am much more wealthy than I usually think.

There has been a lot of talk lately about privilege and the fact that, once you get below a certain level of income, the rules of frugality and saving change.  I recognize that I am privileged to practice what I call "middle class frugality."  I have not purchased new bathroom towels in over a decade, simply because I haven't needed to.  I received several sets of high-quality towels at my wedding from generous friends.  I'm lucky that I had a wedding and generous friends.  I wear many of the same clothes I purchased years ago, because I have the space to store them and laundry facilities that allow me to keep them up.  I work hard to keep things under budget, but at least I have a comfortable budget to work in, as well as space on my credit card to float things that I will be reimbursed for later.

When my full-time job disappeared with little warning soon after Kiddo's first birthday, I learned the hard way that I needed to create multiple streams of income.  I am not wealthy enough to have real estate or investments to turn to, but we have several jobs at this point.  Right now, Fuzzy works a full-time job in manufacturing, a part-time job running lights and sound for a community center near us, and an on-call job doing backstage work for a local venue that hosts touring bands, dance troupes, and the like.  Meanwhile, I do costume shop management for an independent designer, hourly customer service and order fulfillment for an online fabric retailer, piecework for a vendor who sells at historical events, teaching at a summer day camp, overhiring for other costume shops in the area, and commissions, which are almost exclusively historical costume.  I also sell some pieces at certain events.  All this somehow adds up to what we need each month, plus (in most months) a little extra to work towards our goals.  I assure you, tax season at our house is exciting.

We work very hard, and we carefully plan our lives, but I recognize that we are intensely lucky to have our opportunities.   How do you make it work?

No comments:

Post a Comment

It's There. It's Nice. Don't Use It.

                 One day, about thirty years ago, curiosity got the better of me, and I used the heart-shaped soap in my grandmother's b...