Showing posts with label Money. Show all posts
Showing posts with label Money. Show all posts

Tuesday, 8 July 2014

Totting Up

Many years ago when I was not so much Single as Separated waiting to Divorce, I embarked upon one of the most hardworking and economically responsible periods of my life. I lived in the kind of bachelor (bedsitter) flat for which I longed as an undergrad and saved as much money as I could. I worked a relatively stressful but reasonably paid 9-5 job, and I wrote down every cent I spent. In the evenings, I went to my boxing club and when I returned I studied languages.

It's amazing how far I got. I reviewed all my high school Italian and got very far with college Latin. I did all the Ancient Greek homework I should have done when I took Ancient Greek. I vaguely recall intending to review my French, but that fell by the wayside.

Incidentally I did not have a television set.

Not only did I write down everything I spent that year, I wrote down every calorie I consumed. I was quite pleased to be eating an average of 1300 calories a day although in hindsight that was outrageously low for the amount of exercise I was doing. (In addition to evenings at the boxing club, I went in the mornings to the YMCA.)

I took things too far with saving, too. My major expenses were rent, groceries and eventually psychotherapy. And I enjoyed knocking down my grocery bill a few cents each time. It felt like a victory, and advanced my plan to salt away a lot of money in mutual funds and to save for a ten day holiday in Europe, which I did.

One day I had an epiphany at the cash register of the supermarket as I eagerly awaited to see how low my bill was. It occurred to me that the closer both the grocery bill and my calorie intake got to zero, the more likely I was to develop anorexia and die. This thought totally ruined my enjoyment of the game, but it probably saved my health. One of my co-workers had suffered from anorexia as a teen, and while she was working with me discovered that she had done herself permanent damage. In fact, she had to leave work.

But now that I have decided that I would really like to move out of the Historical House one day, into a house or flat B.A. and I can truly call our own, I have gone back to totting up the numbers. I'm sorry I got out of the habit. For one thing, it's really great fun.

Groceries in the UK, by the way, cost the EARTH! For too long my attitude was "I don't want to know", but now that I (or we, now) have another clear financial goal, I really do want to know. It's another step in remaining rooted in reality, which for me is really a lifetime journey.


Tuesday, 6 August 2013

New Green Shoes

Beautiful new shoe found on sale
The social highlight of my week is Sunday Lunch. Sometimes Sunday Lunch is an extravagant, crowded affair, and sometimes Sunday Lunch is simple and select. It depends on who has offered to have Sunday Lunch that week, and how much of an effort he or she wants to make, and who is available for an invitation, and how many friends he or she would like to bring with him or her.

There is sometimes a difficulty when Sunday Lunchers gather themselves up from After-Mass Gin to go to Sunday Lunch only to discover that nobody has cooked it, or that half the party has mysteriously disappeared without a word to the other half, and is probably on its way to a super-exclusive Sunday Lunch at some deliciously exotic location. On such unhappy occasions the forlorn remnant usually straggles off to a pub.

However, as the weather has been so beautiful since July muscled out soggy old June,  a group of us Lunchers recently had a most glorious picnic instead. We sat on a hill in a park clad in all our Sunday Fogey Finery and hid our bottles from the view of a ranger, who turned out to be much more opposed to the smuggling away of pond turtles by the party next to us than to bottles. The charm of novelty and the simplicity of just chipping in £10 each at Waitrose enhanced the charms of the sunshine and the view.

This Sunday, however, there were so few Sunday Lunchers around that the other woman present and I just sloped off after Gin to George Street to "do errands." Errands included taking a pair of linen trousers back to its shop to have its stubbornly lingering security tag removed, mooning at clothes purportedly "on sale" and eating lunch in an elegant and lady-like restaurant studded with Mediterranean ceramic plates.

Although we would not want to forego the company of gentlemen Sunday Lunchers more than once or twice a year, my friend and I found the change as good as a rest. In its way, it had the same charm of novelty as our picnic, and there was no-one around to make off-colour comments unsuitable for ladies' ears, St. Alban.* And after lunch was eaten and paid for, there was no dissenting deep-timbred voice to prevent a stroll to the shoe shop in Frederick Street.

As a matter of fact, I do not buy shoes very often, being love rich and cash poor. This makes buying new shoes a most delectable treat comparable only to buying new shoes. And being able to find such pretty shoes as the above on sale for only £25 made it even more delightful, as this is the east coast of Scotland, where we brag about how cheap we bought things on sale, in contrast to the unspeakable sybarites of the west coast, who perversely brag about expense. And to top things off, these new shoes are my husband's favourite colour, so there was a very good chance that he would exclaim "How nice!" before "How much?" when I got them home.

Slightly too big but sacred indoor shoes.
Finally, the green sneakers I wear with green finery when outdoors--like many Canadians, I carry my indoor shoes around in a bag--fell completely apart on the way from the restaurant (where I wore my indoor shoes) and so I had to buy new shoes or walk to a bus-stop in my slightly too big but sacred indoor shoes.

Therefore, finding the above shoes in my size and in my husband's favourite colour for only £25 was one of those rare shoe-buying miracles one hears about. In fact, the self-destruction of my sneakers even made the Sunday shopping the correct response to an emergency as opposed to a venial sin. "I'll wear them out," I said airily to the clerk of the new shoes, meaning no irony.

Finally, I virtuously remembered to buy groceries for my husband's supper, and so went home in a glow of satisfaction, smelling of roses, at 6 PM, which was also a nice change from going home at 1 AM in a fog of booze, smelling of cigars.

*That said, so many young women these days curse like troupers and make so many naughty jokes in mixed company that much must be forgiven of those boys who did not grow up around trad Catholics, homeschooled girls or Miss Marple. I crossed out "these days" because an elderly Englishman I know drops the F-bomb in mixed company with such regularity that I assume the women of his generation do too, or did.

***
July donations: Thanks very much to R.C. That was a very nice Canada Day present.


Tuesday, 5 March 2013

Who Pays Redux

In my book, there is a discussion of the thorny issue of who pays on a date.  Someone suggested to me recently that it is absolutely unfair and ridiculous for men to constantly buy dinners for women who have just as much, or more, expendable income than they.

"But it's symbolic," I argued. "It doesn't have to be a lot! Although I admit if  he takes her to an expensive restaurant, that could be impressive."

"Oho," said my esteemed colleague, as if I had just admitted to knowing how the murder was done.

"But it might not," I added and explained that many women are very uncomfortable with men who throw the cash around and suspect they might be trying to buy them. My mother only ever let me accept flowers, books, candy---and trinkets, I now recall.

I feel rather guilty now about the many dinners I ate at the expense of others, and now rather wish I hadn't, but had stayed in with a book or done more homework. My usual argument is that women spend a lot of money getting ready for a date with someone we really like, and if we were to spend all that AND pay for the dinner the guy asked us to, then we would end up paying more than him, for something that was his idea, and this would be crazy.

My revised thought is that "Whoever asks, pays" is a great rule, and doesn't really violate my earlier thoughts, since I don't think women should ask men out on dates. Women can, however, invite men to their parties, which of course the hostesses themselves have to finance.

That said, there is nothing wrong with saying, "Why don't I get this?" if a date should move from one venue to another. For example, if Mr Date has invited you out to dinner (which still happens occasionally, even in these decadent times) and you both decide to have coffee somewhere else, then you can proffer your little wallet at the cafe and squeak, "I'll get this."

This is how the conversation would go in Canada:

She: I'll get this.

He: Oh, no. Allow me.

She: No, no. You paid for dinner. Please let me get coffee.

He: Oh, but you don't have to. Really

She: But I'd like to. Honestly.

He: Well, thank you/No, I've got it.

N.B. If a guy rejects your third offer to pay for coffee, don't insist. Subside prettily and then go home and debate with your friends about whether or not Mr Date is an old-fashioned guy who loves to pay on dates or if he is a control freak and if you really like him and if actually not having to pay ever would be a massive relief or an erasure of your autonomy.

I should mention that this is how the conversation would go in Canada back when everybody seemed to have a lot more expendable income. It occurs to me that the explosion of "hanging out" and the rumoured death of dating may have to do with economics. I love to say "It's just coffee," but maybe it isn't "just coffee" when a cappuccino now costs £4 and everyone is poor.

Perhaps the message to get across is that dating is not about spending money but merely about symbolic courtship gestures. A single flower, for example, does not cost very much, but it is still an absolutely huge deal if a nice young man gives a nice young lady who likes him a single flower. To hold a Single woman's coat when she is struggling to get into it is now so rare as to constitute a gesture of personal interest. A valentine cut from red paper (very cheap at the dollar store) given at any time of the year would thrill anyone love-besotted.

I do not recommend homemade poetry, however, except for published poets. Men should stick to what they know when it comes to the homemade gift department, and very few men know how to write a poem. VERY FEW.

Meanwhile, since dates have to happen somewhere, I believe there are incredible deals to be had for students at dozens of houses of culture (e.g. the symphony) and I know that many museums (like in Edinburgh) are free. If I were an enterprising young man in Edinburgh, I would invite whichever pretty girl who caught my eye for coffee at the place on George IV Bridge that has half-price pastries after 3 PM and then suggest a visit to the nearby Royal Museum of Scotland, which is free.  The Royal Museum of Scotland has a dead Viking in the floor; surely every woman would love to see the Royal Museum of Scotland. Several times. But if she admits she was at the Museum yesterday, well, the deliciously creepy Black Greyfriars cemetery is even nearer.

Actually, a walk in Greyfriars is a rather good idea, especially if one enjoys being clutched by terrified women, e.g. at horror films. Whereas horror films are fake and expensive, Greyfriars is real and free.

Once upon a time, e.g. before the Second World War, dating was not called dating but "walking out." It took its name from what the date consisted of, which was going for a walk. The walk might end up at a tea shop, or it might not, but at any rate walking was free. The point then, as is the point now, was not the expense of the whole proceedings, but the symbolic gesture of asking a woman to go for a walk and the time shared together.

Tuesday, 24 July 2012

Frank Talk on Money, Long Engagements & Religious Guys

Today I present you with a three part post because that is the mood I am in.

MONEY

It strikes me that the wrong men are worried about how much money they make and what women think of it all. Young men, the ones who wish to marry young women, should indeed plot and scheme to get a good job with opportunities for career advancement so that they will be able to support a wife and family.

Yes, most young women are also interested in getting good jobs with opportunities for career advancement, but most young women are also interested in having babies. If they are devout Catholic women, they are usually going to have babies sooner rather than later. This will take them out of the work force for months or years, and someone has to pay the bills.

But middle-aged men, the ones who wish to marry middle-aged women, should stop worrying so much about how much money they have because middle-aged women don't worry so much about that ourselves. If we are still Single, we are used to supporting ourselves anyway. And if we don't have children, we know that we are unlikely to have more than one or two at this point. And at this point, we just want someone to lean on, to leave parties with and to love. Middle-aged women have more confidence than young women, so we are less worried about "being taken advantage of". So what if we work 9-5 and he just potters around his pottery kiln, selling the odd figurine to the odd tourist? So what? Who cares? If he's kind and funny and attractive, that's enough for us. The older I get, the more looks seem to matter.

I'm not touching the subject of young men who wish to marry older women and of middle-aged men who wish to marry young women because that's two whole other blog posts.

LONG ENGAGEMENTS

I think long engagements are stupid and cruel. If you are so much in love with with somebody that you want to marry him/her, you probably want to sleep with him/her. Sexual passion is one of the strongest forces known to man, so it is really hard to keep it bottled up. It is easier to keep it bottled up if you know the exact date drinks may be served.

For the record, the "Priest must be informed one year before the wedding" instruction in parish bulletins is cruel, uncanonical and unenforceable. Ever since I was an undergrad I noticed that the most pious Catholics got married in a matter of months. They would call up a priest-uncle or priest-cousin or priest-pal and have a nice little wedding in record time. It was the more lackadaisical Catholics, or half-Catholic, half-nothing couples who dated for a very long time and then were engaged for a very long time. These couples would be mainly concerned about "the hall." Never mind the diocese and its stupid "One Year" rule (which you can challenge, btw, as it is uncanonical). Some couples were willing to wait two years for the perfect hall of their dreams.

When I was younger and as innocent as a newborn lamb, I was surprised at the pious for their unseemly haste and impressed by the couples who could patiently wait for so long. Now I am a woman of the world, and know that although the pious were dying to have sex, the not-as-pious were often already having it.

Nancy Mitford joked about the size of an engagement ring being the measure of how much a man thought your virtue was worth. This suggests that even in the 1920s, engaged couples were sleeping together. And I believe there are parts of Italy where it is so assumed an engaged couple are sleeping together, that bickering couples marry and divorce rather than just break off the engagement, for otherwise the woman's reputation would be ruined.

So I am not throwing stones at engaged couples who sleep together, the love-struck little poppets. I just think they should get married ASAP if the temptation is that bad. And obviously they'll have to go to confession first.

Meanwhile, B.A. and I tried to strong-arm my parish priest into marrying us in four months after I first talked to the priest. He looked at my annulment papers and quailed. The marriage tribunal wrote somewhere or other that I'd better know the next guy I married real well. The priest looked at me hopefully when he mentioned this. We got married six months after I talked to him. There was no stupid hall. The reception was in my parents' house. I got a priest-pal to say the Mass.

I love to say that I don't believe in single men's words--I believe only in their diamonds. I figured unless there was a ring and unless he had told his mother, an engagement wasn't real. But now I am upping the ante and saying an engagement isn't really real unless there is a wedding date.

RELIGIOUS GUYS

In general it is stupid to sleep with someone unless you're married to him or at least there is a clear,fixed and widely-known wedding date. Men in general are so terrified of marriage, they either have to be promised something really good in order to go through with it or be terrified of what their mothers will do if they don't.

A girl might think religious men exempt from this because religious men are very pro-marriage and want nothing more than to please God by getting married, so seducing a religious guy is the way forward. But no.

It is my humble opinion that if a man really is that into you, there's not much you can do to dissuade him from marrying you, short of cheating on him or killing something or someone. So merely sleeping with your devoutly Catholic fiance will probably not ruin the whole relationship, although obviously it is a mortal sin, so you ought not to do it.

However, there are certainly a lot of religious men who would be so personally devastated at having committed a mortal sin with their girlfriends that they will never see their girlfriends the same way ever again. In fact, they might even consider it virtuous to break up with those satanic temptresses so as to marry pure girls, girls who have not gotten in the way of their primary relationship with God.

It is always a good idea to seem even more chaste than your chaste Catholic boyfriend, even if inwardly you are a volcano of lust. You know you are, and your best friend knows you are, and I know you are, but he doesn't know you are, and that's fine. By appearing as pure as a bowl of vanilla ice cream, at least next to him, you are inspiring him to be good, a better man than he is, etc., etc.

I am sure there are all kinds of depressing examples that you will now write in about your boyfriends to whom you were angels of purity and light who ditched you for flashing-eyed bad girls with roses in their teeth. But in general I would say to be particularly sensitive to the hopes and beliefs of deeply religious men and don't try to tempt them into things for which they will later be very angry with you.

I have found "Don't touch the hottie" to be a particularly effective mantra.