I have mentioned before that being the Plaything of the Gods doesn’t mean they are out to destroy me. Rather, I am dangled and dandled by them, teased and taunted. I am led to the edge of the abyss, poked, then caught with a laugh.
And so it is with my financial situation.
Every British person reading this is half horrified and half insanely curious. We just don’t talk about money, but we’re prurient in our interest in it – probably because it is such a personal thing.
One of my learners asked what I earned. I thought about it. The jobs are advertised publicly, and stapled up on the notice board too. So it’s no big secret, and I told him, “£21.59 an hour”. He was amazed – “you’re rolling in it!”. I sat him down and outlined the facts – actually, I work 20 hours a week. Technically. In truth, we’re expected to do twenty minutes of planning, preparation and marking for each hour teaching. The hourly rate then looks like about £13 an hour, and it makes me effectively full-time. And if I take any holiday, of course, I don’t get paid. If I take four weeks in a year, my annual salary is £20,000 – which is reasonable, of course, and much better than being out of work. But not exactly rolling in it.
My learner went from amazed to appalled, and told me exactly how much he earned as a drug dealer. Even with the almost inevitability of prison at some point, he thought he was onto a better deal than I was. He only had a few months left, and he saw his sentence as a holiday.
I did consider a career change, but decided that with my luck, if anyone was going to get caught, it’d be me. Instantly.
The gods have been taking a keen delight in messing with my finances. Ah, you think, Philoctetes is in denial! Rather than take responsibility for her own affairs, she blames it on divine interference!
Well, yes, I do. Because I constantly teeter on the edge of complete ruin and destitution, but every time something goes badly wrong, I panic for a few days then some miracle happens. Honestly.
I’m going to discuss another taboo now, and that’s debt. As a nation and as a world we need to talk about debt, consumption and lifestyle pretty damn urgently; we’ve spent our way into this mess and I can’t see how we can spend our way out. Anyway, I have a huge amount of debt, from a situation a few years ago, where I took out cash on my credit card to cover what I thought was a temporary situation. It was temporary, but for about six months. When I finally dared to look at the interest payments, I realised that in my budget I could only cover the minimum repayments, and at that rate, I’d owe the bank for about 400 years. And I know that all the major high street banks have branches in the Underworld. There is no escape.
At that time, my job sucked, I wasn’t getting enough hours to cover my outgoings, and one by one my friends in the area were getting pregnant and retreating into their nests. Or getting other people pregnant and running off. Either way, there was nothing for me. I was at the end of the line.
So then, for some unfathomable reason that I can only attribute to divine intervention, I spontaneously applied for a job in a different field of teaching, 100 miles away, with vague promises of hours and overtime, and found myself moving house.
And I went to the bank and waved my income (potential) at them until they changed my credit card to a bank loan. The payments are pretty nasty – I repay as much on debt every month as I do on rent – but at least it has an end and that is psychologically very soothing.
And since then, I’ve hovered on the edge of penniless but never quite tipped over. I don’t have any disposable income, of course – after rent, bills, debt, car, and so on, there’s £25 for food every week. That’s fine but if I want to go out, or buy a birthday present, or whatever, then I have to cut back the food budget.
Which would seem harsh, but to be honest, what the gods have taken away with one hand, they have at least made up for in other ways. Because I have a much wider social life here than I ever have before, and most of it is free, whether I’m singing, drumming, making 20-foot high wicker men from willow, or “doing a Shakespeare” with a bunch of friends.
And when crises have occurred that are completely out of my budget, that’s when providence has stepped in. Someone will suddenly and unexpectedly give me some money. Last month, as I gloomily mused on the coming January’s lean pay packet, I was asked by two different people, quietly and discreetly, if I’d tutor them. For cash. Every week. My brother suddenly needed to give me some cash to keep his own bank balance under a certain limit. The garage fixing my exhaust found that they only needed to replace half of it, and when I went to pay, it was half of what they quoted me. The borough council where I used to live transferred an overpayment of council tax into my account. The Inland Revenue sent me some rebate.
So all in all, I consider myself lucky really; cash poor but time rich, and content with my lot, and grateful for the kindnesses that people show. And I also reflect on the fact that the nicer people are to me, the more inclined I am to be nice, in turn, to others. Smug, me? Yes, probably.
Pass it on.