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Overcoming Bag Lady Syndrome Fears During A Recession

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I saw a report on CNN that disturbed me and left me thinking for days after. The report was on middle-class women who had been forced into homelessness in part because of the current economic difficulties. And though it is entirely irrational, fear kicked in and I saw myself in the women shown living in their cars.

The women profiled live in Santa Barbara which is a ridiculously expensive place to live even by high-cost California standards. According to figures quoted in the piece, the median price of a house in Santa Barbara is over $1 million and the average cost of a studio apartment is over $1,600 a month. Barbara Harvey was a loan processor which is a job that was undoubtedly lost in the wake of the subprime mortgage crisis. She now lives on her earnings from an $8 an hour part-time job and social security payments. She and her two dogs live in her car which she keeps in one of the parking lots the city of Santa Barbara has designated for overnight use by the homeless even though it is illegal to sleep in a car. Barbara's lot is one just for the use of homeless women.

I was struck by how well put together the women in the piece were. One woman dropped her voice a few octaves when answering the question of what was most difficult about homelessness and answering "hygiene." Nevertheless, these women were all composed, dignified, clean and well dressed. They looked like ordinary middle-class women who could have emerged from their home not a long night in a car with no indoor plumbing. In other words, they looked like me. I could be one of them.

And this is when the fear kicked in. I am enormously fortunate that I am not impoverished and am well aware that there are millions of women in this country who have tremendous economic difficulties I do not face. And I do not mean to trivialize the issue of poverty with my whiny fears. But many middle-class women share my fears and I think they are worth examining.

One might question why the women in the CNN piece don't simply leave Santa Barbara and move to a part of the country with a lower cost of living. But their lives and families are there. It is not so simple and family and charitable safety nets are not always enough. It is increasingly clear that much of the onus for our financial security is squarely and solely on us. Leaving aside discussions and arguments about the morality of this position and the appropriate roles of employers, government and society, this reality is a driving source of our fears.

Many American women worry about becoming a "bag lady." In other words, homeless and lacking in financial resources. This leads many women to overwork themselves out of a notion that if they just work hard enough they will not suffer the fate. Or they are timid in negotiating at work out of fear of losing their job, or they invest timidly out of fear of risking their savings for higher returns which will help support them in the future. The crazy fear leads to crazy behavior which is only reinforced when we hear the constant drumbeat of bad economic news repeated in the nightly news. And when it comes up too our doorstep, happens to people who seem to share a life similar to ours, when it is no longer relegated to an "other" in the form of the abstract poor it is hard to resist the feeling of crazy.

And that is my struggle today. I am blessed. I have a roof over my head, I have food in my kitchen, I have money in the bank, I have transferable work skills and most of all I have an extensive network of family support. I will not be homeless. This I know. However, it is increasingly a reality for far too many. But perhaps I need to shut of the TV, continue to focus on keeping my net intact and spend some time and money supporting those women who are truly suffering instead of weaving my nightmare fantasies of impending life as a bag lady.

Related reading:

Michelle Kennedy at Organically Inclined writes in "One Paycheck Away -

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Maria Niles 5 pts

I had an emergency fund that I had to use so I have to build one up again while hoping nothing catastrophic happens in the meantime. I think that's why I have to quash the fear that the current news cycle generates.

It sounds like you are taking a healthy approach to quelling your fears and I wish you the best of luck on taking control of your life. I think you are on the right path.

ConsumerPop Marketing ( http://www.consumerpop.com )
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Maria Niles 5 pts

is a great reference point. She has a blog here ( http://ehrenreich.blogs.com/barbaras_blog/ ) The fear and uncertainty are certainly longstanding and I'm not surprised that current economic conditions have caused them to surface again more openly.

ConsumerPop Marketing ( http://www.consumerpop.com )
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Maria Niles 5 pts

I deeply appreciate it as your story is powerful, instructive and inspiring.

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Maria Niles 5 pts

The issue for me is not so much fear that it would happen to me - it's GUILT that we are allowing these things to happen.

Thanks for sharing that perspective. It is fascinating to see how much this topic permeates our consciousness in different ways.

ConsumerPop Marketing ( http://www.consumerpop.com )
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Maria Niles 5 pts

Thanks for your comment, Debra.

I think the fear of being alone is very much part and parcel of the bag lady fear. That's why I liked the final linked post with the idea that our real deepest fear is of "not being loved."

ConsumerPop Marketing ( http://www.consumerpop.com )
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Laracolvin 5 pts

I worry about this all the time. I think there are quite a few people in this country - in all socio-economic tiers - who are just one or two paychecks away from being homeless. I try to follow the best financial advice and build an emergency fund, but while I do it, an emergency usually happens: the car dies, the dog or daughter gets sick, etc. It is increasingly harder to get ahead, and I often feel stressed just trying to maintain. And I say all of this with the knowledge that my situation is better than many.

I especially see how hard it is for my parents to enjoy their "golden years" when they are faced with rising mortgage interest rates, astronomical insurance costs, a job market that has lost its affinity with baby boomers, and children who are struggling financially more than they were at this age. 

My way of dealing with the fear is trying to take small steps to control my life: get out of credit card debt, build that emergency fund, try to drive less/buy less/eat less. One step at a time, and if I start to spiral, I know I have a support network...but it won't pay the rent or the student loans.

Notions of Identity  ( http://notionsofidentity.blogspot.com )

Vered 5 pts

Your story is amazing. I didn't realize you were homeless at some point.

The point is, when I've had friends who've fallen on hard times, I have
had them for dinner, given them food gift cards, paid a bill or two
without them having to ask. I think having to ask, keeping up
appearances, etc., keeps people from getting help they need.
Overcoming pride and forming trusting relationships is hard for people.

This is so true. It's wonderful that you did that for your friends. Pride and having trouble asking for help are a big issue for me. I am trying to learn to rely more on friends and to stop seeing that as a weakness.

Vered DeLeeuw
www.momgrind.com ( http://www.momgrind.com )

Trisha 5 pts

I don't worry about it, but its nothing new. Barbara Ehrenreich wrote about people who worked full time jobs and were homeless in 2001 in Nickel and Dimed: On (Not) Getting By in America ( http://www.barbaraehrenreich.com/nickelanddimed.ht... ). I imagine the problem has only gotten worse.

(I hope I didn't make anyone worry about it more)

Ideas For Women blog ( http://www.ideasforwomen.com/news/ )

Candelaria Silva 5 pts

My only security in this scary world is knowing that so far I've had the internal and financial resources to face the many things life has brought me.  This has included a period of homelessness when I relocatd to DC for a job that fell through and had to put my furniture in storage.  Luckily, the kids were staying with their father in Boston while I got things set up.  I learned from that experience to swallow my pride and ask for help.  I asked for my old job back and got it (two weeks before there was a hiring freeze), I lived with a friend for 5 months until I could get housing for me and my children again. I negotiated with their father to visit them every night to help with homework, etc.

I make sure I have community around me, despite the fact that my children live away and my mother and siblings live in the midwest as well.  While I am now remarried, I spent 20 years between marriages and whatever stability that implies (it doesn't always mean stability in reality).

The point is, when I've had friends who've fallen on hard times, I have had them for dinner, given them food gift cards, paid a bill or two without them having to ask.  I think having to ask, keeping up appearances, etc., keeps people from getting help they need.  Overcoming pride and forming trusting relationships is hard for people.  I've also learned not to get to attached to things or appearances.  During my period of homelessness, some former friends gossiped about my condition but did not offer one morsel of assistance.

On the economic front - I learned from my mom how to "make a way from none" and as an adult, I've finally learned to separate wants from needs.  I use public transportation, walk, shop thrift or sale only (and when I was saving to buy a house - I didn't shop except for food and toiletries for 3 years).

We all have fears of being destitude at one time or other.  We all know that the way we make our living can be changed in a hot-minute. (That's why I'm trying to diversify my income stream so that I will never be reliant on one income.  I also have disability insurance just in case.)  I honestly feel that I have a # of support systems in place that will help me.  What my big fear is, is that society as we know it, will collapse and these rules for living I've come in will be worthless. I try not to go there too often.

Thanks for the post -  Good and plenty!

Vered 5 pts

When I wrote about homelessness ( http://momgrind.com/2008/05/15/bloggers-unite-for-... ) for Bloggers Unite, several readers pointed out that if we create a better social benefits system, some people would abuse it. I still think that living in a society that allows middle class people to lose everything when they lose their job is horrible.

The best I can do is donate ( http://www.shelternetwork.org/ ) - it's my own little effort to support fellow human beings and help them retain their dignity.

The issue for me is not so much fear that it would happen to me - it's GUILT that we are allowing these things to happen.

Vered DeLeeuw
www.momgrind.com ( http://www.momgrind.com )

Debra Roby 5 pts

Simply reading this post drove me to check balances in financial accounts.. just to be sure they are there.

The "bag lady" and "being alone" fears are very real for me. They can keep in less-than-perfect situations simply because those situations might stave off "bag lady" or "being alone."

Not good.

They were quiet for a long time; but, yes, the current economic situation has allowed them to surface strongly.

Debra
A Stitch In Time ( http://astitchintime.blogspot.com )
Deb's Daily Distractions ( http://debsdistractions.blogspot.com )