Money, Money, Money: It's a Rich Man's World

Let me first apologize for not posting for about a month. I have been busy getting into the swing of grad school, a new job, things related to my sister's wedding, and have barely had any time to even think about posting a blog. I'm trying, I really am, but maybe there's no point in posting something when you don't have anything to say.

Right now I actually do have something to say. Let me warn you that this is a long post, but I hope that you'll stick it out til the end.

A few nights ago, I went to the grocery store and spent $115 which is A) the most I've ever spent at the grocery store B) more than I make in a week and C) about 20% of my rent. I pretended it was no big deal externally, while having a minor conniption internally, but I somehow calmed myself down. I exited the store, found my car, and loaded up my groceries. As I was putting the last few bags in my car I heard a quiet voice say, "Excuse me, ma'am?" I turned toward the man, "Could you help me buy a McDonald's sandwich?" I turned to my purse and dug around for my wallet; when I found it and was looking to see what I had, he was saying, "I've already got a little bit, if you could just give me like $0.27?" I handed him a $5. "God bless you." He said, I murmured something and he got onto his bike and rode away. He was missing teeth and looked a little bit dirty, but really not too bad.

On the drive home, I reflected on what I had done. Had I done the right thing? Was he really going to buy food? After awhile, I came to the conclusion that it didn't matter what he did with the money. I hoped he would use it for food, but I had done my part and could only hope for the best for this man who had approached me in the Randall's parking lot.

Back at my apartment, I plugged my phone in and set it on the arm of the couch while I cooked my supper. It slid off the arm and hit the floor. When I finally went over to it, I discovered the screen had shattered, though it still worked. I was frustrated and mentally began comparing myself to Job.

You know Job don't you? Job is the man in the Bible who is the subject of the devil's experiment. According to the story, God allows the devil to take everything away from Job. The devil thinks that Job will turn against God. God knows that Job won't. Jobs children and wife die, his home is destroyed, and I don't remember what else he loses, but its pretty bad.

And I had the audacity to compare myself to Job?

I wasn't mad at God. But I was a little frustrated. I had just given money to a man to help him buy dinner even though I am in debt and had just spent a ridiculous sum at the grocery store. Why were all of these bad things happening to me?

God doesn't work that way, though. The world doesn't work that way. Karma is not a thing. It seems like if you do good things, good things should happen to you, but that isn't true. In the New Testament, in the story of the rich young ruler (Mark 10:17-31), the apostles are concerned because they have given up everything to follow Jesus. They ask him if they will be rewarded and he tells them on earth: maybe; in heaven: definitely (Mark 10: 28-31). We have to remember that, as Christians, our reward is not of this earth, it is in heaven.

But that isn't my point.

The next afternoon I went to AT&T to get a new cell phone, thinking that I would be able to just get a free upgrade since I had had that phone for like four years. But AT&T basically doesn't do that anymore. Would nothing go my way? So after a long phone call with my dad, I got the least expensive phone available with AT&T Next (which I really did not want to sign up for, but I did because supposedly it was the most cost effective option). A low amount would be added to my family's monthly bill and I paid the tax in store. I was honestly worried that my card would be declined for the tax because of my expensive groceries the night before.

That night, I had insomnia, as I often do. That particular night, I couldn't sleep because I was thinking of all of my financial burdens: rent, food, loans, interest on said loans, gas. And I was incredibly stressed. I began a mental downward spiral. I second guessed my decision to get a new cell phone. I second guessed my decision to take out loans to come to grad school. I worried that I would graduate with my Master's degree and not be able to find a job to pay off my loans. What if I could never pay off my loans?

All of our lives we are taught that money is power. Even if it is never said explicitly. We hear phrases like "money talks," we see that candidates with the most money in their campaigns often win elections. We need money for our basic needs: food, shelter, clothing. If you don't have money, you are powerless, you are weak. You are the man asking a 23 year old for money to buy a burger from McDonald's. That is what our society says, anyway. We value the glitz and glamour of people with lots of money. We envy them; we think that if we can just have as much money as them, we will be happy.

We look down on people who are poor. We judge them. We assume that they are lazy and if they would just go get a job they would be fine. We resent them. We HATE them.

We HATE them.

Why?

Because they have no money.

So they must be lazy. They must be useless. They must be self-entitled.

So we snub them. Because they are less fortunate than we are.

I know people who call themselves Christ followers and yet they HATE these people.

Why? Because we believe that worth comes from money.

And that's why I was stressing out and spiraling downward. If I was under a load of loans, if I end up with no money, I thought that that would mean that I was powerless, weak, stupid, useless, worthless.

It isn't true.

That man in the Randall's parking lot is loved by God just as much as I am. He may not have enough money to buy a burger at McDonald's, but God rejoices over that man daily. God kisses his forehead. God holds him in the palm of his hand. God says to him, "You are my beloved. You are my creation. You are precious to me."

So I think this is what God had been training me for. This scary situation where I was getting into debt to pursue the passions that he instilled within me. When I doubt myself, it is because I am not relying on him. I am not trusting him to be faithful to me as he always has been.

He has been specifically faithful to me with finances within the last several months. He has been preparing me for the anxieties that he knew I would encounter. He has been preparing me for the self-doubt. He has been training me to believe that even though I don't have the money right now, he will provide it. He will provide a job, or a stipend, or a scholarship to pay off my loans or to keep me from taking out more loans. I don't know how, I don't know when, but I do know that my God is faithful and he will provide.

Blessings Until Next Time,

Sharon

Going to Grad School: Finding a Place to Live

During the spring semester of my senior year at Texas State University, I applied to the master's non-thesis Marine Biology IDP program at TAMUG. I was accepted.

At first I wasn't sure if I was going to go or not, but after I applied for a ton of jobs, I hoped that that was a signal from the man upstairs that I should go ahead and go to grad school.

This meant that I had to find a place to live in Galveston. But as I'm about four hours away, that is quite difficult.

I googled Apartments in Galveston, TX which did return results, but ultimately wasn't that helpful. I looked on craigslist for apartments which helped me find two possible complexes and I looked up apartment locators in Galveston. However, the most useful resource was from the University's website.

Many Universities have information about off-campus living. This is probably the most reliable resource you can use. Although TAMUG requires all undergraduate students to live on campus, they have a listing of apartments which are willing to work with students, this listing also included what the rental rates were and what was included.

What to look for:

1. Rent - First, make yourself an approximate budget and determine how much you can afford in monthly rent. Do not look at apartments that are above your price range.

2. Utilities - Some apartments which are geared toward students will include all or some amount of the utilities. But it is very important to know what you are expected to pay. At my two apartments in San Marcos, no utilities were included. The electricity was metered and paid through the city, which worked out quite well. At my first apartment gas and water were allocated (water was allocated at my second apartment), which frustrated me. This means that your water bill is dependent on the entire building's water usage, which is then divided by the number and square footage of the units. So it is very difficult to control bills for utilities that are allocated. Utilities also tend to change from month to month so when rent includes all of your  utilities, budgeting is a lot easier.

3. Proximity to campus - I prefer to live within walking distance to campus, but if you don't mind living further and driving to and from school then you can increase your search radius. Often, apartments further from campus are less expensive. Also, if yur school has a bus system, its a good idea to look for an apartment that is either on the bus route or within walking distance of a bus stop.

4. Lease length - Often student's only live in the college town during the school year. If you plan to go home during the summer, it's a good idea to look for an apartment that offers 9 moth lease terms. But often, you may be stuck with a 12 month lease.

5. Roommates - Living with roommates is often less expensive, but can introduce new issues. Living in an apartment that offers "by-the-bed" leasing can help to reduce tensions because you aren't responsible for your roommates rent. If you would like to have roommates to save money, but don't have anyone to live with, keep in mind that many apartments do "roommate matching" though it should be noted that they may not try that hard to match you with someone. I have friends who say that you should not live with friends, because it may ruin the friendship. While this isn't true of everyone, I have seen it happen. If you do live with roommates, I recommend suggesting a "Roommate Agreement" which may help ease tension and reduce future problems. Just remember, you have to stick to the roommate agreement, not just your new roommate.

6. Do you have pets that you will be bringing with you? Most apartments have a pet deposit or pet rent. Some complexes have breed restrictions on dogs. These are things to be aware of when looking for your apartment.

Once you've found your ideal apartment, it's time to apply! I'll talk about that in my next post.

Happy hunting,

Sharon

NaPoWriMo Day 7! Poem about Money

I've made it a whole week! And I'm still going strong (I think). Today's prompt is to write a poem about money. As I am a poor, college student (contemplating taking out loans to afford grad school...) I think we all know where this is going...




I go to the store
But before I check-out
I pull out my phone once more
To check my bank account and do some mental math
To see if I can afford to purchase the items I have.
I don't have enough money in my bank account
But I have some cash in my wallet
I pull out a few thin, green pieces of paper
And wonder if I should save them for later.
They feel soft and worn between my finger and thumb
And I think its odd they hold so much value
Especially to someone like me.
     I really don't like money at all:
     It brings out the worst in people
     It turns them to vice.
     It makes them greedy, angry - not at all nice.
     With our greed, we turn the same color as money - green
     We are nasty and spiteful and act for our gain
     When we could consider others instead.
But at the same time I realize that it is necessary
     Because that is how the world works
     We assign values to these pieces of paper
     And we give them to others in exchange for goods and services
The cashier is staring at me now
A scowl forming on his face
I haven't handed him the money
I've just been staring at it in my hand
And I'm not sure if I should save the money or spend it
Money is for spending, I rationalize
It won't go with me when I leave this earth
So I may as well use the money for what I can.
Reluctantly I hand it over,
Take my things and walk out the store
And there in the parking lot
Is a mother and children
Who could use the money I just spent
Way more than me...

-Sharon