Worth it...

I wrote previously that I'm teaching a dear friend of mine and we had a bit of a discussion about whether she should pay me.

That brought a lot of things into focus for me in terms of how I look at money and time and work. I had a lot of talks with various friends in person and online, trying to figure out how to respond specifically and more generally. In the end I came to the conclusion that any money anyone gives me as a concession to the fact that I cannot live on air, rather than anything approaching fair compensation. Money is just not the motivating factor for my work, and I do work based on whether it seems fulfilling and worthwhile, not based on whether or how much I will be paid.

But with that said, with the establishment that money I receive from this student or from anyone is a concession, a gift, I should have been comfortable about it, yes?

What I realised is that I'm really not. It's a little easier to accept money from people I don't have such a strong fondness for, and from people whose financial situation is clearly much better than my own, but I still run into all sorts of internal objections about value and worth, despite the very pragmatic point that at the moment I am not yet earning enough to pay my own rent. That's partly about thinking it's impossible to put a monetary value on human labour, but it's also about thinking I don't deserve the good things of this world, rejecting the gifts I have been given. Since we need money to live in this society, it's in some twisted way a rejection of life. I was thinking about this over the weekend, wrestling with it really. How can I judge what is worthy and what is not, who is worthy and who is not? I can only experience the world as myself -- and that experience says the world has pain and joy, bitter and sweet. And there are people far more deserving of sweetness who only get the bitterness, people who should have only joy and instead endure terrifying pain. And as much as I yearn for joy and sweetness, as much as I have some human drive to meet my basic physical needs, I don't honestly feel I deserve them.

My refusal to engage with financial issues in a constructive way is either a rejection of the world or a rejection of myself. Maybe a rejection of the idea that I have any right to be here...

So, yesterday I saw a spiritual director. I met her a few weeks ago and we had a chat and some lunch and I decided that yes, this would be a constructive thing to try. It's not that I don't think God can tell me whatever God wants me to know about what I'm meant to do, but more that I have such difficulty listening.

I wasn't sure, on my way to our meeting, what I would bring up. So many of the things that were weighing heavily on me a few months ago are complete non-issues now, or issues I'm happy to just sit with and see what happens.

I should have known that the financial stuff would come into it. Really, I should have known. And in the meeting itself I didn't feel like we were getting anywhere. We discussed various social and professional issues around accepting payment for services even from friends, but I've been through those again and again, and they're clear enough, but they are of this world, not of God's kingdom. We talked about opportunity cost, about having finite time to do all the work we might feel called to, about not having the resources to "give to everyone who asks of you" let alone everyone you might like to give to. We spoke of the difficulty for anyone in deciding who is worthy, who is not. We touched of God loving people anyway, spent some time on dependence on God which means that we cannot save ourselves through works or faith or anything else but it is God who saves, but this doesn't mean we can just throw in the towel and stop trying.

It was good to air these things, to go through them yet again, but it didn't feel like there was any sort of breakthrough. I've not been for spiritual direction before, I'm going into this without an idea of what is "meant" to happen or how things work. It wasn't unpleasant, but I was still left wrestling with this idea of how to accept that even if money only seems relevant to me at the most unimportant levels, even if money can never be an accurate indicator of worth anyway, people pay me because they recognise some worth in what I am doing.

About five minutes down the road I thought, "hey, WAIT A MINUTE!... God thinks I am worth dying for, so bugger what anyone else has to say about it. The only one who can accurately judge the worth of any human being is God. The judgement has already been made."

It is late, and I am tired, and I don't know how much of that realisation will stick, how much of it I would have come anyway if I hadn't had yet another conversation about all those surface issues. I suspect this is something I don't get to learn once, but instead will keep tripping over.

But it means I can perhaps put aside my own evaluations of worthiness and my concerns about whether it is right for me to accept payment. The judgement has already been made, and here I am in the world, and let's deal with the pragmatic stuff, like getting to the point where I can pay my own rent. I'm not going to take any money dishonestly and I'm not going to chase after it and abandon my standards of what my housemate has called right livelihood, but I can perhaps accept it a little more lightly, not get so worried about whether I really deserve to be in this world. I can get on with doing the work, even if people insist on paying me. It doesn't have to be an argument, it doesn't have to be turmoil. I have already been judged worthy. So has all creation.

Thanks be to God.

Running, but not really catching up

My computer is back, with a shiny new hard drive. It'll take me a while to finish getting the software I need onto it, but it's very good to have my own machine to work on again, at least.

I've not had much time or energy for else but work, online. I could make my excuses but you'll have heard it all before -- lots of work to do, performances, joint problems making me tired, students requiring extra care and attention at the moment. I started this blog in the last half of the last year of an intensive performance-based degree. I've only ever blogged when I don't really have time!

I'm still thinking of you lot. I'm still playing, praying, singing. Still throwing myself into hymnody, still getting a drip feed of psalmody from the Daily Office, still taking Communion.

Morning Prayer (or is it Evening?) has had lots of the book of Revelation in it recently. I have to say, I know it isn't meant to be literal, and there's all sorts of rich and beautiful symbolism, but this lampstand thing is a bit weird. I kindof like it, even as I think to myself, "Well, you might remove my lampstand from its place if I don't repent, but if I don't repent then surely the only reaction I'd have to a mis-placed lampstand is to put it back again or go to IKEA and get another one... I wonder if the instructions for assembling flat-pack lampstands are as convoluted as all their other ones?" and so on.

I'm loving bits of the daily prayers for between All Saints' Day and Advent. "In the darkness of this age that is passing away may the light of your presence which the saints enjoy surround our steps as we journey on." Only it just sounds wordy when I write it out like that... but when I'm praying it's all about the light.

A dearly beloved friend wants some music lessons, and naturally I volunteered my services. She asked about my rates; I hadn't intended on charging her anything, not a single penny. She isn't comfortable with that, so we'll work something out... but in thinking about how to approach it I've figured out a little more of how I relate to money. See, she said it "wouldn't be fair" not to compensate me for my time and expertise. As a musician, my work doesn't work that way. My life doesn't work that way. If I were to get up every morning and thinking "I'm only going to do any work if I know I'll get fair compensation for it", I would do no work at all. Being a freelance worker means that I have to accept that much of my work is not going to bring me any obvious or direct financial reward; being a musician means I have to accept that the work is worth doing anyway. So I do the work, and see any money anyone gives me as a concession to the fact that I cannot live on air, rather than anything approaching fair compensation.

I'm looking forward to teaching this friend. I've heard some of what she can do... but she gave up participating in music almost entirely a very long time ago and has only just recently started to engage with it again, to practise and even perform a little. She notices the problems, the rusty skills, the uncertainty, and the years of silence weigh heavily on her. I see and hear a musician waiting to grow into who she is, and needing a little help and encouragement -- not a lot -- to get there.

I found an orchid, in a big glass pot. Someone had left it by the rubbish bins. I brought it home, cut back the spent flowering stalks, gave it some water and a nice windowsill, and we'll see if it blooms again.

Hope! saith the holly.

Shareholders in humanity -- ethical banking options?

Yes, I know, I know, it's another response to Nick Baines' blog. This time the post was on finances, and the incongruity of the Tory party defending bankers' big bonuses at the same time as proposing a squeeze on the nation's poorest in order to get supposed benefits scammers back to work.

I wrote in comments there:
It may be that there is some kind of scam but I do not perceive it as widespread; even if that perception is in error I suspect that such scamming may be a symptom of a more systemic problem. I think the bankers who are being allowed such astronomical bonuses are the bigger scammers. They’re also much easier to catch, but for the fact that as a society we have allowed ourselves to place so much value and worth in money that our elected politicians are cowed by the threat of these people throwing their toys out of the pram if someone asks them to behave responsibly toward humanity rather than just shareholders.

Of course if I look at it as a systemic problem with the way we assign value and worth, I’m every bit as culpable as the bankers or any real or imagined benefits scammers. Ouch. And so my question for myself, as always, concerns what I can do to mend that, what I must do to re-align my own values and develop integrity so that my thoughts, words and deeds reflect the innate worth of every human being. I don’t have all the answers to that (sorry Kevin!) but I’ll keep trying to learn.

We are all shareholders in humanity.

How, you might ask, am I culpable?

One of the big ways is that I bank at a high street bank. I don't have much in the way of savings, but millions of others who also don't have much are still enabling the bank to lend out our money... probably not all that ethically. I think we've seen well enough in the last two years how unsustainable some lending policies are.

I don't know if there is ever a good ethical case for charging interest on loans; the usury discussion is something for another time. Meanwhile, I'll be having a good look around this website which is provided by EiRIS, and seeing if I can find a better bank.

I'm also interested in your recommendations, if you're in the UK and have banked with an "ethical" bank or credit union.

Once I have any spare money I'll be looking at things like Kiva, Zopa and MyC4.

Generosity

Term has started so I've been busier than during the summer.

I'm settling into the house alright. The excess furniture has been moved around enough that we can live with it. Sharing my home with Sweetie and with Intrepid Anthropologist is a joy. We have our wobbles, and our disagreements, and so far we have managed to negotiate them with warmth, respect and generosity.

My finances are very poor at present. The plan is to get some teaching work locally, which will eventually enable me to abandon my time-hungry commute to the Wilds of North London where I currently teach two evenings per week; once that happens I can get even more teaching locally. At the rates I charge it should be possible to live on relatively few hours of "work" in terms of contact time, but building up a class of students is likely to take a few years. Everything is word-of-mouth in this business.

In the meantime I am trying to keep my spending low. That's hard when my biggest expense is rent and my current income doesn't cover it! I am very thankful that Sweetie is supportive and generous; he has been making up the gaps. That isn't always comfortable but it is a better alternative than trying to do office work (which would destroy my mental health in about two months), assuming I could even get such a job in the current economic climate.

Something I have thought about before and want to explore again in more depth is the idea of creating a sort of artificial stipendiary situation. I would like to live with more security and a higher standard of living than I did as a student, but I'm well aware of lifestyle creep, the ease with which one can spend more and more and more and then end up needing a higher and higher salary to support that spending. I don't want to be on that treadmill. I know I tend to be a bit of a spendthrift, impulsive about buying things for myself or others if I have the money to hand, and so it seems that perhaps the best way to do this would be to limit the portion of my income that I can access easily. The rest could be donated to charity, or perhaps held in an interest-bearing account and the interest donated (I have ethical concerns about usury and need to research this more), or simply spent on others when I see they are in need.

There are some obvious benefits of attempting to live this way, of un-hitching my spending from my work. One would be that as long as I was earning enough to cover my stipend I could do my work without having to worry about whether it would be efficient financially. I could participate in voluntary collaborative projects more freely, without worrying about whether it would impact my paid teaching work. I could take on students who otherwise could not have lessons. I could choose one-off projects based on whether I like them, rather than constantly needing to assess whether they pay enough.

Another major benefit of this type of working pattern would be a certain amount of financial simplicity. I don't mean just the fact that I wouldn't have a lot of spending money and so wouldn't be able to buy too many shiny things... though that is definitely a factor. But as a freelance musician, my actual earned income is always going to be scattered, hit-and-miss. If you've always had a regular salary (at least while you've had regular outgoings) you might not realise how difficult this can be: I can't predict from one month to the next how much money I will have. This is not comfortable. I think it does contribute somewhat to my tendency to spendthriftiness, actually: if there is something I need or want and I do have the cash to get it, I tend to purchase right away because I know I may not have the funds later. Knowing how much I have to spend, even if it's only a little, seems pretty attractive. Even if I were not inclined to give away my spare money, I would need to do some sort of income-leveling exercise anyway.

But I think the real benefit to imposing a structure like this will be that when I find that someone else really needs money I won't be thinking "darn, I could have done without that book I bought last week if I'd known so-and-so didn't have the money for such-and-such" but should be able to be more generous. Maybe that would also be achievable by much more mindful spending on my part, and of course there will still be conflicts (easy example: Person A needs some educational material and Person B needs shoes that fit but I've already spent it all on train tickets for Person C to go visit an ill family member), but the hard thinking about what I actually need vs what I want, and how to balance that against the needs of others, will already have been done.

For now this is all pie in the sky, and it will remain so until I am earning more sustainable amounts on a regular basis. In the meantime I am trying to keep spending low and also to keep track of what I do spend so that I have some sort of guideline as to what is reasonable. I'm also thinking about the logistics, about how much I sensibly need to save before I can just give the rest away, about how much I might try to donate even now. I'm thinking about whether it would make more sense to allocate funds as I usually spend them -- impulsively, based on what comes to my attention -- or whether it would be better to make a commitment to a cause over the long term (something like short-term, interest-free loans for local families having trouble). Perhaps a little of both is the obvious answer there.

If you could choose your own stipend, how would you do it? How would it change your working life if you could be paid enough to live on (but not much more) and be told "Now go do whatever work you think needs doing"? Do you think you'd work more, or less? How would you decide what "enough to live on" actually is? Does this strategy sound at all manageable on an individual level, or does it require big bureaucratic structures? (Remember that I'd have to do most of the paperwork myself anyway!)

If you are already on a stipend, what is the best thing about it? What is the worst? Am I completely bonkers? Oh wait, we all know the answer to that last one.