Facing the Holidays During Financial Crisis

My father often jokes that I grew up thinking we were poor. We weren't; not even close. But my parents were extremely frugal and the typical retort if there was something I wanted was "get a job." So I did get a job, or rather, a variety of jobs, and learned the value of a dollar and grew into the fairly frugal-minded person I am today.

Part of my particular set of neuroses about money is that I value a penny saved over just about anything else. I need to have money in the bank to feel secure. And so when I got divorced I told myself that it would be okay, because there was some money in the bank and I'm very thrifty, and I would figure it out. Nevermind that I hadn't worked in years; nevermind that I had two small children for whom the cost of daycare outweighed the salary of any job I was able to find; nevermind that the child support payment came to just a few dollars more than the mortgage bill.

Slowly the money in the bank was eaten away. The worst Christmas wasn't actually the first one after the divorce, but the one after, when my bank balance was low and my morale even lower. I'd had a multitude of dead-end jobs and been fired for the first time in my life. The kids were asking for toys we couldn't afford, and I was trying to figure out if it was time to let go of my resolve to keep the house because the kids had already been through so much loss. I wondered if I would ever have enough money again.

Hell, I wondered if I would ever be happy again.

Does it sound dire? It certainly felt dire, at the time. But even as I struggled, even as I worried, I knew we had it better than many. My ex has never missed a support payment. My parents constantly asked if I needed help, and although I stubbornly maintained that I needed to manage on my own, checks sometimes showed up in the mail (I would argue, and sometimes even cry, and then cash them because I had to). I never fell behind on the bills. We were never in danger of being put out onto the street.

And while I'd love to say that we were okay due to some great skill or foresight on my part, the simple fact is that we were lucky. I was lucky that our worst Christmas still happened with a roof over our heads and food to eat and even gifts for the kids, thrifted though they may have been.

Unfortunately, in the hustle and bustle of the shoppingest time of the year, sometimes we forget that not being able to afford that fancy new computer right now isn't exactly a financial crisis.

Rachelle at That's What She Said poignantly recalls the year Santa went broke:

Mom explained to me that Christmas would be different for me this year in comparison to the previous several years.

I wasn’t at all concerned at first. “Don’t worry mom. Santa will bring us gifts. You don’t have to get us anything,” I had told her the day she broke the news to me. I wasn’t too worried about it, but a worry line creased her brow.

(Read the rest of her story to find out what Santa ended up bringing them that year.)

Southern One at Consider This and Think About That says there will be no Christmas this year:

Christmas is coming soon. We won't be having a Christmas this year. There is no money for Christmas. It's hard to justify buying gifts when you aren't even sure you can pay the rent. No money for Christmas when you have to choose between keeping the lights on and groceries. This makes me very sad.

I was already depressed over the lack of funds, but Christmas just makes it worse. I have to be honest; I am considering suicide.

(Talk about sobering. I hope this entry is a heartfelt rant and that that author is feeling better, and/or seeking some help.)

Both mjean and Haltija are young women whose parents are potentially facing foreclosure on their homes. How do you even begin to celebrate the holidays when you have that sort of worry hanging over you?

Here's my Christmas wish for each of us fortunate enough to not be in crisis this season: If you have enough, share with someone in need. I'm not going to tell you how or where or how much... just ask that you find a way to touch someone else's life for the better. 'Tis the season.

BlogHer Contributing Editor Mir also blogs about issues parental and otherwise at Woulda Coulda Shoulda, and about the joys of mindful retail therapy at Want Not.

Comments

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I worry that woman is truly suicidal...

December 9, 2009 - 8:51pm

I'm troubled by the post written by Southern One.  I read her whole post, and she sounds like a woman who is truly suicidal.  It really sounds like this woman is calling out for help, and now, over a week after she wrote it she doesn't even have one comment.  What is our responsibility as readers?  What is the proper thing to do as a reader (or witness) to this type of outcry?  Is it like the type of responsibility we would have if we were the first to come upon an accident scene?  Is reading this type of post and not trying to help like driving by the scene of an accident and doing nothing?  I'm sorry, this is just the first time I've read this type of post and I'm not even sure how to react.  Does anyone here have advice? 

Contributing Editor Catherine Morgan
Also at Catherine-Morgan.com

 

I Agree.....

December 9, 2009 - 9:24pm

I just read her entire post and I wish I had an answer.  An answer on how to reach out to her.  An answer on how to help her.  I'm very disheartened that there are no comments on this post.  No friends.  No family.  Nobody writing in and saying "We'll come over for Christmas and we'll bring the food!" 

Is it our responsibility as a blogging community to wrap our arms around this woman and give her some sort of comfort, some sort of feeling of not being alone?  Yes it is.....but how?  Do we act like overly excited commenters and leave hundreds of comments on this post telling her to hang in there?  Do we give her our phone numbers and tell her to call us when she's feeling low?  Do we find out where she lives and have a group of lovely ladies cook her dinner and set her up with a month's worth of groceries? 

This really breaks my heart and by fretting over it here, in the comments of another blog post, I feel even more removed. 

I'll think on it.  We have to reach out to this woman all alone in a cold world.

 

Somer blogs at Merry Wife of Canon as well as Smell My Plate.

 

Is there a way to find out where she lives?

December 9, 2009 - 9:31pm

I think the best idea you have is to find a way to have "real" people contact her in her own community.   But is it possible to find out where she lives just from her blog?

Contributing Editor Catherine Morgan
Also at Catherine-Morgan.com

 

Atlanta Georgia, Her Profile Says

December 9, 2009 - 9:34pm

But how helpful is that?  Do we make a call of all BlogHers in that area and ask them to comment to her post? 

Somer blogs at Merry Wife of Canon as well as Smell My Plate.

 

I Left Her A Suicide Hotline Number

December 9, 2009 - 10:40pm

That post was very disturbing and in case she can't reach out to anyone else, I left a comment with two 24 hour, national suicide hotline numbers.  I really hope she reaches out for help.

Megan

TV/Online Video Contributing Editor

Megan's Minute

Meg's Rad Reviews

 

Good idea.

December 9, 2009 - 10:50pm

Thanks Megan.  That's a good idea, and one that can help her immediatly if she needs it.

Contributing Editor Catherine Morgan
Also at Catherine-Morgan.com

 

There are now heart-felt comments on her post...

December 10, 2009 - 10:38am

I just want to thank everyone who left heart-felt comments on this woman's post, I can't imagine how much it must have hurt her to find zero comments.  Maybe this will be the catalyst she needs to reach out for help in her own community. 

Contributing Editor Catherine Morgan
Also at Catherine-Morgan.com

 

It's always hard to know

December 10, 2009 - 8:00am

It's always hard to know what to do when you come across a post like this.  Of course we want to help and our concern is genuine, but strangers on the internet can't really take the place of the support network of family and friends she needs.  We can offer ehlp and advice, but growing that kind of trust and support network takes time.

I think it may be a hopeful sign that she is expressing these feelings rather than keeping the to herself.  But I think to people who really need to hear what she has to say are the people who are already close to her, even if they seem to have drifted away.  Yes, it may hurt some of them to be told how abandoned and neglected she feels right now, but it would certainly hurt much less than if, God forbid, she did choose to take her own life and the people who knew her were left thinking "If only I had realized how depressed she was, I could have done something."  Blogs can certainly be a good tool for expressing our feelings, but they are no substitute for talking directly with the people who care about us most.

Sara

www.inkandpixelclub.com

 

What a beautiful post.Every

December 9, 2009 - 11:51pm

What a beautiful post.


Every year about this time, I think of ways I can help and donate that won't cut into our already stretched budget, and things that get the kids involved.

Here are a couple of my ideas...

1-Donate blood. Not all of us can do this, but call your local Red Cross to see when their donation days are. You just might save a life.

2-Have your kids round up toys that they don't play with any more, or are ready to weed out to make room for Christmas toys. I'll share a quick story (because that's what I do... lol)

2 years ago, I looked around my kids' rooms and decided that there was no room for any of the presents I knew would be coming...I told my kids that they have many many toys (they never break anything, so they pile up) and that some kids don't get ANY toys at Christmas. I asked if they had toys they thought some little kids would like for Christmas. Before the day was done, I had two large bins of toys (a couple never opened!). I took them to our WIC office and asked if they needed some new toys to play with in their waiting area. I was told that they had a family that had just lost everything (4 days before Christmas!) in a fire, and asked if I would feel alright giving all the toys to them, because the kids were going stir crazy in the hotel room DSHS had them in. Of course I felt alright!

I came home with a very good story to share with my children about where their toys had gone to.

Depending on the condition of the toys and winter clothes, you can donate items to:
Your local DSHS office
Your local WIC office, or medical clinic that serves low-income families
Your local prison or penitentiary for their family visiting area
Goodwill/St Vincent's, where the toys may be bought at low cost by parents that are holiday shopping

Get the kids involved, I have met no resistence from my children about this.

3-When you're doing your holiday dinner shopping and notice staples on sale, buy an extra one or two, and drop them off at your food pantry. EVERY little bit helps, and when cans of yams are 60c, it costs me nearly nothing to supply the yams for 3-5 Christmas tables.

4-One year, my mother and I bought combs, hard candies, and some misc toiletry items in bulk, along with a package of lunch bags. We assembled little gift bags and used a potato stamp carved in the shape of a stocking to decorate the lunch bag. We went to our local long-term VA unit and spent a couple minutes with each veteran chatting as we handed out the bags. You would have thought that there was gold in those bags. This idea can be a little spendier, so you could go in with another family on it, or skip the bags altogether, and just go spread some holiday cheer at a nursing home. Believe me, the people will be happy to see you.

5-HIV/AIDS clinics are always hungry for donations of toiletry items. People can often get food assitance, but not assitance for other necessities. Drop off a couple extra packs of toilet paper/tooth paste/etc and you'll make someone feel an awful lot more human in a desperate time of need.

Giving doesn't have to cost much, or anything. Sometimes it hardly costs you any of your time. But you certainly won't regret it :)


Thanks for helping give us perspective this time of year. Your mom and dad sound like wonderful parents, I hope your holiday this year is a little less stressful.

 

Wonderful suggestions, but

December 10, 2009 - 8:02am

Wonderful suggestions, but before you donate, make sure you check with the organization about what kind of goods they will and won't accept.  Goodwill in my state, for example, says right on their website that they don't take toys.

Sara

www.inkandpixelclub.com

 

More Than Just Goodwill

December 10, 2009 - 8:07am

I'd also look around. There are more options than just your normal year-round donation sites right now. As Burgh Baby's post shows, there are lots of independent organizations providing Christmas for children. I mentioned diapers in my comment specifically because there are a large number of very small children in our area this year who are in need and they put word out in the newspaper last week that they needed some basic necessity stuff on top of diapers.

 

@FireMom from Stop, Drop and Blog and The Chronicles of Munchkin Land

 

I am one of the statistics.

December 9, 2009 - 11:54pm

I never wanted to find myself counted as a statistic of the great economy collapse of the Bush/Obama era, but here I am. Earlier this year I left a steady job at a Disney Park in favor of a really amazing entry level tech job. I was the only one to survive my small training class and was on the right track. I was of course, laid off. Thanks to an Obama courtesy, I was able to keep my 100% covered medical insurance for $77 a month, plus higher co-pays. My unemployment was only going to be $100 a week.  I was terrified. Then i recieved a letter from Disney stating that I was now being put on Disability due to a previous work injury and that i would be having foot surgery ASAP. My disability checks were double what unemployment would be. I was relieved.

My fiance and I were getting back on track when he came down with horrible Vertigo and was diagnosed as having Benign Positional Vertigo and will have to take  meds for the rest of his life to stop the dizzyness. He has been on medical leave since October, and we are now beyond broke.

But I am sad. So deeply saddened. Of course love conqquers all and we are making gifts this year, as well as new creative ways to gift, like checking library books out for eachother and wrapping them to suprise one another. I have taken to cooking 80% of our meals from scratch and we are feeling healthier. Unfortunately being bombarded by sales that I can't possibly afford makes me sad. I want my family to have the world and I just want things back on track.  I am grateful for a roof over my head and love in my bed. But my heart hurts.

Hang on everyone, we can get through this together!

 

~Cattra~

 

Thanks For This Reminder

December 10, 2009 - 12:06am

Hi Mir, Thanks for this very timely reminder of what's really important. Great post.

Megan

TV/Online Video Contributing Editor

Megan's Minute

Meg's Rad Reviews

 

It Is All So Horrible

December 10, 2009 - 3:50am

Mir, I just read Southern One's blog.

I doubt if there is any way to contact her. 

Megan has done the best that one could have I suppose.

All one can do is to wish her the best. 

It is just so sad.

I don't live in the States so I haven't a clue about what can be done to contact her.

My blog is about life with lupus and bipolar, good thoughts and bad and everything else. http://isis-thisisit.blogspot.com

 

Thanks, all

December 10, 2009 - 5:29am

I was very worried by Southern One's post as well, and I wasn't sure if leaving a comment with a hotline number would be appropriate. But I'm glad you did, Megan.

The holidays make everything bigger, don't they? Joy is more joyful, sorrow is more profound.

--
Mir Kamin (BlogHer contributing editor)
Personal: Woulda Coulda Shoulda
Having it all with less: Want Not

 

It's not the gifts

December 10, 2009 - 5:13am

As far as I can tell, this thread is the real meaning of Christmas.

Making millions at Mom-101

Cool Mom Picks

 

Do Remember

December 10, 2009 - 6:29am

Mir;


This post is beyond amazing. I really don't like to get all weepy on my keyboard at 8:24 in the morning but I find it acceptable in this case. (Please don't do it again. *sniffle*)

I hope that everyone reading that has more than two nickles to rub together this year takes the time to give back. I was inspired by Burgh Baby's $3000 worth of toys that she and other Pittsburgh bloggers donated that filled up HALF A BUS already this season. Those of us that are surviving this economy as best we can should be giving back in some form or fashion. My family has been gathering/buying new, unwrapped toys to donate to our local Secret Santa program that is run through our police department. There are things like this all over the country. Maybe you only have enough money to donate one toy or one pack of diapers or one can of food.

Maybe that's all one family will receive. Consider it.

Again, lovely post. I hope others are inspired to do something today, this week, this season.

 

@FireMom from Stop, Drop and Blog and The Chronicles of Munchkin Land

 

Great job, Mir.

December 10, 2009 - 7:36am

I always thought we were poor, too, but I know getting through lean years makes you so much more appreciative of being able to go to Target to get cleaning supplies without your heart in your stomach as the cashier totals it all up. We've had years like that. We may again. We're all one disaster or lost job away from being there. It's so important to remember what's really important, and you've done a great job of capturing that here.

Rita Arens writes at Surrender Dorothy and BlogHer and is the editor of Sleep is for the Weak.

 

Southern One

December 12, 2009 - 1:10am

Mir, have you heard anything more about Souther One?

She weighs on my mind.

 

My blog is about life with lupus and bipolar, good thoughts and bad and everything else. http://isis-thisisit.blogspot.com

 

I haven't

December 12, 2009 - 6:55am

I know a lot of folks reached out to her on her blog, and I don't know what else can be done. There are people ready and willing to lend support if she wants it, for sure.

--
Mir Kamin (BlogHer contributing editor)
Personal: Woulda Coulda Shoulda
Having it all with less: Want Not

 

Not sure if anyone is going

December 22, 2009 - 10:33am

Not sure if anyone is going to see ths, but she has made a new post.  She is still feeling overwhelmed and could probably used some more support, though I'm not really sure what to say.

 

-Sara

www.inkandpixelclub.com

 

Southern One

December 22, 2009 - 10:57am

Thanks Sara for letting us know.

My blog is about life with lupus and bipolar, good thoughts and bad and everything else. http://isis-thisisit.blogspot.com

 
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