Wanna know the thing I’m most afraid of?
Money - or to be precise, not having enough money.
Of course, I never do have enough money. I do not pay attention to what is in our banking account, yet every time I even think of doing anything money related, like just look at the balances, I feel literally sick.
When I left SA to come here, it was my move. Neil was teaching high school there, loving his job, coaching and playing sport. He had a lot of free time, he was paid a very low salary, but he was happy. We were just barely making ends meet then, and I was earning probably two or three times what he was making, putting in a lot of overtime and we never had more that about $100 (at the time, R100) cash to work with after we had paid our mortgage, our bills and insurances, our children’s school fees and taxes. We did not go on holidays unless it was to family and at little or no cost, just the cost of food and transportation. We went out to eat maybe once every couple of months. I did not buy nice clothes for myself or the girls or Neil. We did not indulge in parties, entertaining, booze, or smoking. We had one car and it had balding tires. Neil was happy, but I was traumatised. At one point I gave him my engagement ring to sell so we could buy groceries. If the girls needed socks or panties - just little things - I would be panic stricken. Our sales tax at the time was 15%, our mortgage rate was over 20%, credit card was over 30%, car loan (I got a deal) was really low, only 17%.
And yes, I’m not blind, I know there were and still are people all over Africa who don’t even have one pair of shoes, running water, access to any sort of medicine, no dental, no transportation, electricity or running water, and that by comparison, our lives were heavenly. Apartheid may have ended, but things haven’t improved much for that huge segment of Africa that has nothing.
I had grown up more often in the US and Canada, and I knew it could be different. Although, gotta say, my dad walked out of his job one day when I was sixteen, and thereafter, there was no real income except from my part time jobs. One day, in SA about 8 years in to my marriage, while I was doing my Friday night grocery shop, I remember reaching for a jar of mayonnaise, or maybe it was a bottle of ketchup. My hand reached out, and I slowly pulled it back, my brain automatically calculating that the price was too high, and we should do without. At that moment, something snapped, and I thought, I can’t live like this anymore!
Cut a long story short, I applied for a job back in the States with the help of an old friend from school. I had a green card, so I figured it would be okay, plus my dad was an American citizen. Three companies expressed interest in me, but wanted me to fly out for a face-to-face interview. They didn’t know how risky that was for me. I had to quit my job, and cashed in my insurance policies. We sold pretty much everything, and I left Neil and the girls - and my mom was staying with them - and flew to the States in June of ‘93. In the end, although all three IT departments liked me and said they wanted me, their HR wouldn’t let me in because it turned out the old bluey-green green cards like mine, issued in 1966 (which did not have expiry dates), DID expire if you were out of the country too long. I was so dumb! I had no idea. I had no concept of being constrained by not having the right citizenship. Sorry, I know this is such a sensitive issue for everyone. My family had no real roots. We were born in Africa, but lived and worked in the UK, Canada and the US, and jumped back and forth between these countries all the time. I didn’t know this was that unusual. I had this blithe sense of entitlement to live and work where ever I wanted to, which I now know is not really allowed. Ultimately, I found a job with a consulting firm, but not before coming down to my last $100. I was ready to go out and be a cocktail waitress. Before I could start, the consulting firm had to advertise my job in the trade papers for six weeks to prove to the Department of Labour that I wasn’t taking a job away from an American. I went through the whole green card application from scratch, it took me four years. Meanwhile, my mom brought the girls out to the States in November of 1993, the day before Thanksgiving. I had rented a house - kind of a crummy one, but I spent the months waiting for them painting and cleaning. I had three camp cots for the girls, a blow up mattress for me, and I bought a bed for my mom. Neil had to finish up the school year in Africa, which ends in December. He came over in January of 1994. I had found and bought a car for $100! Things were okay, we were surviving. We probably looked poorer than what we were because that second Thanksgiving the Hillsdale Helping Hands food pantry sent us a food box complete with a turkey, ham, coffee and canned grocery staples. I was utterly mortified. If there’s one thing that has never been lacking here in the States (or in any home I’ve lived in), it’s good, fresh, home-cooked, wholesome food. The people who sent the food probably don’t eat as well as we do. Ironically, I am a volunteer shopper for them now.
Ah well. The saga continues. Neil was not allowed to work, since he only had what they call an H4 visa, for the four years it took to process our green cards. I met a lot of other people like me in those years who had come here to work in IT, but most of them were single or newly married with no children. We had waited too long to make that move. All of these friends are well entrenched now in homes, while we still rent. Our plan was for Neil to get his US teaching qualifications, he only needed a few credits here, and he started with UNISA, but after about a month, he gave up. I was bitterly, bitterly disappointed about that. After we got our green cards, he worked as an electrician (before teaching in SA, he had done an electrical apprenticeship for Goodyear, and even had a wiring license over there). The best he could get here was work as an electrician, but again, his qualifications aren’t really recognized here, so always at low pay. He’s got a fairly good position now at a local college in their maintenance department. He’s been there for five years, and so he’s entitled to write the test to be licensed here (you have to have five years contiguous employment - that’s one of the requirements here). I was also excited when he got this job because if he wanted to go to classes, he could for free. As it has happened though, once our girls started university, we were almost as cash strapped as in SA, and Neil has worked for others with private businesses non-stop on the week-ends for a couple of years now. He doesn’t play sport any more, hasn’t for years, is working himself physically much too hard, and he’s not happy - he never says as much, but I remember how happy he used to be.
At first, in 1993, I had all our accounts neatly filed and took very careful care of it all. I’m very neat and tidy and methodical, but once Neil arrived and wasn’t working, he took over that part. I still do all the cooking and cleaning and he does the yard work, takes care of the accounts and the guy stuff. Pretty traditional arrangement. Only thing is, he hates the accounting part, and does it badly. I’ve known for a long time - more than 8 years, that I need to take it over, and actually, I have taken over some of the bigger things, but every time I approach it, I feel physically ill.
What have I been doing to avoid this sick, ill, sinking feeling? This feeling like we’re never going to have a home of our own, that we’ll never get ahead, be able to retire, or go on a vacation….I throw myself into the house, I clean everything to within an inch of its life (well, I used to, slowed down a bit there), I throw myself into cooking, I eat too much and, the worst thing is that I have my wine, too much of it, and I’ve gained all this weight! All just to avoid being “the one”. You want to know a huge irony? I preside over a system at work that pays out millions and millions of dollars a month, and I know exactly to whom, for what and how every damn penny was credited or debited and then paid.
Finally, WHY, WHY do I have this terrible fear?
My writing about all of this is my attempt to de-mystify it all for myself. I do think this all started with the troubles in my parents’ home. There was no money after I turned 16, after years of relative prosperity. Both parents came from very very poor families, but they had done well - financially at least. I don’t think you could meet a more miserable pair of human beings. Both of them so damaged - and yet, I knew they loved each other and me and my sister. My mom always explained that the “troubles” were because my dad had put himself under too much pressure through work and that’s why he started drinking and that’s why he finally walked out his job like he did. But now, when I look back, I think - sh*t, he had just one kid at home, me, and a wife who handled the books expertly and kept our home and garden pristine. They owned their home. It must have been more than that or something else. Later, in Africa, I deeply resented Neil having so much fun while I had none. I didn’t know how to tell him in a way that would make a difference. Ag, we were both so young. What I did know in my heart that if we were to leave Africa, it would all of it be totally up to me, and I was so tired from having three babies and still being the major bread winner, so I delayed it for years. Twelve years, to be exact.
And here we are, and I still can’t face it.
I believe I will be stuck, I’ll never get healthy, I’ll never really lose my weight, I’ll never be happy unless I face this mess. But why am I so scared? Is it laziness? Even typing this makes me feel like there’s a fist on my chest.
How to you get past a fear of money?