Showing posts with label opportunity cost. Show all posts
Showing posts with label opportunity cost. Show all posts

Wednesday, 22 September 2010

Turn and return and turn again

Oh dear, it's got to the point where people are leaving me comments asking me to come back and I don't even see them because the most recent post is more than two weeks old.

That, in and of itself, is mildly distressing. Many apologies to any of you who might worry about me. I am well.

That I can't say I've been blogging much anywhere else is perhaps more telling. My career-related blog is getting posts even more intermittent than this one; my locked journal (which had several posts a day for many years) is all but abandoned. I'm not even really leaving long rambly comments on Nick Baines' blog (which has more than once been the cause of my not having time to blog here). My e-mails to various dear friends have become shorter and less introspective, very much more "I did this and that and the chard is still growing" than they once were. I'm not even doing pen-to-paper reflective journaling on my own (I tried for a few months early spring but it isn't good for my elbow to do that much longhand writing).

I'm not doing badly -- my physical and mental health seem to be pretty good at the moment, I'm doing lots of work, I'm mostly getting enough rest (although as always there is this battle to catch up, this temptation to be busy on days off). But given how much I have previously relied on reflection and analysis in a written format, I'm starting to wonder what's up here. Am I really just too busy, or am I avoiding something? Is this about finding a voice (I typed "void" the first time, Freudian or what?!?) for my career-related blog, or giving myself space to speak at all? Is this about being more private, more circumspect now that some of my job is so obviously tangled with my religious life, or about being honest with myself? Is this about busy-ness or about not allowing stillness? I don't want to be precious or dramatic about this, and maybe I just need to accept that it won't be perfect and I can't do everything, but I have written hundreds of words per day for several years and don't seem to be doing so now. It isn't that I can't think of what to write, as evidenced by the verbosity of this post. It's that I'm not sitting down and starting.

I think I need to work out a Rule again. I have sort-of had one of one sort or another since my last year at Academic Institution, where the Rule consisted of "practise two hours before anything else" and I built everything -- my prayer life, my social life, my work, even my love life -- around that.

I don't have anything like that focus now. I have some things that are major -- the organist job, the teaching, a chamber group -- which will always take priority over other work. I've tried to shape my days sensibly and I'm not generally spending hours and hours online talking when I should be working. But there are things that are getting neglected, including this blog. Some of the neglected things are optional; some are not, and I wonder if some of my tiredness is not from being too busy but from being a little ungrounded.

Do you have a Rule of Life, or a set of intentional habits for your daily life? How specific is it, and how flexible? How do you decide when, if ever, to make changes to it? How do you make this fit around variable working patterns?

Friday, 25 June 2010

Money and worth and so on again.

At Nearest Church I'm in the process of trying to negotiate a contract for playing the organ. The rate that they pay is significantly below the going rate for this area of London, and that has consequences for me and for the longer-term viability of music at Nearest Church.

I'm finding it all very uncomfortable. You see, I wish I didn't have to deal with money. I'd like to be able to do all of my work for free. All of it is work I would do if I didn't need the money. I think if we were all generous enough with our time and energy, we wouldn't be so dependent on transactional labour... and I know that if I want that generosity to come about, I need to be willing to be generous even when others aren't.

I mentioned this to a friend today and her response was, "How are you going to live if you don't get paid?" which is quite a reasonable question.

I bit my tongue and changed the subject, got on with the task at hand. But my first thought, and the one that has been nagging at me since, was Why should I live and another not?

Why should I have enough to eat when there are people in the world who starve because of my food choices? Why should I have a roof over my head when there are people who are sleeping rough? I am not better than they are, I am not somehow more deserving. I know that with every fibre of my being. So why am I blessed with material abundance, a garden to grow my vegetables in, a safe bed to sleep in, medication to treat my nagging chronic health problems? By many people's standards I am not wealthy, but to those who are starving, those who are homeless, those who have no access to medical care, I am incredibly, unimaginably rich.

Why should I live so well?

So I eat out of a local veg box scheme, grow some of my own veg in the back garden, don't drive at all, try to buy fair trade for those things I can't get from local sources, try to be moderate in my consumption of electricity... but it is still my privilege to do those things. I have a choice only because I am already rich. Do these little things help enough to make a difference? If I'd make a bigger difference by giving it all away, shouldn't I do that? When I tell myself my skills are best used where I am, is that me being sensible, or is that me running away, crossing to the other side of the road? Do I live as I do out of obedience, using available resources to create a lifestyle that can sustain the work I am meant to be doing, or out of fear, turning away from the call to give away what I have?

Even having the time to think about these things seems like a completely undeserved luxury.

Wednesday, 25 November 2009

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.

Wednesday, 30 September 2009

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.

Tuesday, 19 May 2009

On Fear

FranIAm made a post on fear in which she asked us to discuss our own fears.

My comment was long. I don't know whether I like it or hate it, but it seems significant enough to post here.


Fran, thank you for this post, and for being so open about your own fears.

Money fears get to me, too, more than I'd like. At the moment I mostly deal with them by being very avoidant about money; I'm a bit of a spendthrift, I have debt that has piled up while I've been a student (though not as much as some, because I've been able to continue working), I tell myself that my studies are more important and I'll deal with the money stuff afterward. Afterward is starting to get awfully close and I suspect it is not going to be pretty! In the long run I know I have to grow up about this a bit.

The money issues, for me, are about scarcity of resources; having enough to survive. Another area where these fears are apparent is in my relationship with food: again, I'm worried about not having enough. I mostly manage not to overeat too badly, but one only has to glance at my cupboards to realise that I'm a champion hoarder. I probably have enough non-perishable food to get through a month, and that's not through any systematic effort. Empty shelves make me physically uncomfortable.

I can look back to childhood experiences for those manifestations of scarcity thinking. It's fairly obvious where and how I picked up the habits. But these worries about the scarcity of external resources are really only scratching the surface of my fears. Underneath there is a deeper concern: the fear that, somehow, I am Not Good Enough. Not Good Enough that people who claim to care for me would look after my physical needs if I were unable to do so for myself; Not Good Enough to be helped back up if I fall, comforted if I am in pain, held if I'm lonely, loved. It's not that I fear not being loved, so much as being, ultimately, unlovable.

Thankfully I have plenty of evidence that this is not the case, but it still frightens me. And it's still a strong enough possibility in my mind that I sometimes get spooked and think that those who have power over my life might take a dislike to me and actively try to hurt me. Male authority figures who are taller than me are the most terrifying; after five years I still feel incredibly anxious every time I have to meet with a certain person at Academic Institution, even though he has shown himself to be of good will. And one of the reasons I feel so comfortable at Leafy Suburb Church is definitely that the priest and deacon are both female. Working with conductors is also difficult, and though I manage this relatively well I feel far more stress with a man up there waving the stick around than I do with a woman. Again, this is traceable to specific childhood experiences.

The result of all this is a grasping after control. It's ultimately futile, but my full cupboards are a vain attempt at having control over my food supply; so is much of my interest in gardening and foraging, though those have also brought me great joy. I fear my physical disabilities not so much because it is likely I will end up with much more severe chronic pain than I have now, but because I am terrified that I will lose the ability to do enough work to look after myself. I have in the past been extremely clingy and co-dependent in relationships, bending over backward to please a partner and expecting that they do the same for me and then being devastated when they won't or simply can't. I have been extremely intolerant of other people's failings when they have let me down, and even more intolerant of my own failure to keep everyone happy--which is pretty much impossible, as any fule kno.

I do better now, I think. I'm certainly much happier, and certainly less ruled by fear. There are a number of reasons for this. One is just that three years of therapy taught me a lot about re-framing, and I don't interpret so much of the world from the assumption that people hurt me on purpose. I've learned that what people want to do and what they would like to do are often separate, that nobody has enough information to do the right thing all the time, and that most people have no more ill will toward me than I have toward them. There was a period of time when I knew this on an intellectual level but could not grasp it on an emotional one, and that was a very difficult stretch, but being as objective as possible did help me to become less afraid. It's really not all about me and my fear, despite the increasing length of this comment on said subject.

Another reason I am less afraid is because I do actually have more control over my life now than I did. I've had diagnosis of two long-term conditions, both of which were affecting me hugely in ways which were not taken seriously by others. Neither of these are likely to ever be cured, but both of them have options for management which reduce my difficulties, and as I learn more about how these conditions affect me and what works for me and what does not, I gain even more control. It's been a hard shift, going from having a goal of running the London Marathon to having a goal of staying off prescription painkillers until I'm 40, but that's a world and a half better than being in pain all the time and not having any clue what was going on and being told it was all in my head. Now I'm in pain about half the time and can make good decisions about whether to medicate or rest. (The physiology of pain is an interesting side-note here, too; chronic pain can really, REALLY mess with brain chemistry. It certainly has an effect on my mood, though my pain tolerance is relatively high in terms of ability to function physically despite pain.) And I'm getting more skilled at managing the other perils and dangers of this earthly life, and more confident that if everything goes wrong I will still be able to feed myself.

Another reason I am not as fearful as I once was is because, for whatever reason, some people saw fit to help me. And they kept trying, and kept trying, and kept trying even when I was really rather horrible to them, and somehow eventually I was able to see it, and believe that maybe, just maybe, if these rather wonderful people cared enough to love me, I might be lovable after all, or at least not abhorrent. There is one person in particular in the last few years who was a huge support to me; I've not worked out whether her effect on my life is because she happened to be there at the right time and I was ready for those changes or if her particular capacity to love was different enough from my previous experience to get through to me. It may be some combination of both, I'll probably never be able to figure it out. But now that I have that hope to cling to I look back and see that actually, many others have helped me, cared for me, loved me even when it has been hard for them. They far outweigh and outnumber those who have hurt me, either through incompetence or through lashing out in fear and pain themselves. They even outweigh those who might have been truly sadistic (though the more I think about it the more I think those were just very, very fearful people, acting the only way they knew how). And realising that and allowing myself to feel loved and risk loving has opened the floodgates, and suddenly I love more than I fear. The flailings and thrashings of people who are frightened do make me sad but they don't hurt me as much as they did, because I know they are hurting so very much more and I just want to show them that they are loved, intrinsically lovable children of God. I want to sow harmony where there is discord, I want to sow hope where there is despair, I want to sow joy where there is sadness, healing where there is injury, all that other stuff from the prayer of St Francis of Assisi. There doesn't seem to be any other sensible response to the depth of love that I have felt, even if sometimes it seems like a distant glimmer, even if sometimes I feel alone and frightened.

I have limited energy and limited time and have to pick my battles to an extent, but I think maybe that's what discernment is about. Not about what to do--what to do is to spread love and hope in the world--but about how to go about doing so.

The word verification is "twament". I'll probably have to re-post because I spent so long writing this, though. (Yeah, I did. Second word verification is "insts", which isn't nearly as good.)

That's where the comment ends, but I should add a few things:

Those of you who know me well will be able to read between the lines on some of that. Please respect my desire for anonymity in this forum.

Some of this makes it sound as if I'm never afraid, never act badly out of fear, am always able to somehow get above scarcity thinking. That is not the case at all! But I've gone from my fears being so overwhelming it was hard for me to get dressed in the morning to being able to participate in life to a much fuller extent, to being able to engage with my fears on a more meaningful level than just hiding under the duvet. I may only just pass as 'normal' but it's a huge change for me. And for me, whether I'm able to function seems to have a lot to do with how I relate to fear, and how I relate to fear seems to be directly affected by whether I feel loved and lovable. Your mileage, of course, may vary.

There may be another post on fear, language and scripture at some point. Or there may not. I'm meant to be doing a degree...

Monday, 16 March 2009

That'll teach me to count blessings...

This week was already going to be a very heavy week in terms of academic and performance work; several deadlines at once have decided to gang up on me. Next week is also pretty bad but at least some of the worst deadlines will be past by then.

The last time this happened, and some other life stuff was happening as well, I ended up handing a written assignment in two weeks late and woefully undercomplete. That's not bad compared to some previous assignments when I was significantly less well; some of those were seasons late, even though they were much smaller assignments. I did the prudent, responsible thing and spoke to people about it before it was too late. I filled out a mitigating circumstances form, detailing the various mitigating circumstances (which were multiple), and handed that in too. I rectified one of the worst mitigating circumstances (which was actually something Academic Institution should have done at the beginning of October, and failed to do because of administrative problems and understaffing). And I've set aside time, after this particular knot of deadlines is over, to re-do that assignment so I actually learn the material.

Today, at the end of a long and exhausting day in which I lost more time than I can afford to travel and was already wondering how I would make it through the rest of the week, I opened my post to find a letter from Academic Institution saying my claim for mitigating circumstances has been rejected. Apparently, it does not relate directly to the timing of the assessment affected. Without wanting to go into too much detail, I don't see how that can be the case.

The person at Academic Institution who was my greatest advisor and advocate has moved on. I could ask her advice, and she'd gladly give it, but she has her own personal and far more serious sorrows to deal with right now.

I'm trying to keep a sense of perspective about this, and rather failing. This is my final year. I had to take a year out already when I was ill, and I started six years later than most, also due in part to illness. I've worked very hard to put my life back together, and I've had a lot of help from people I don't want to disappoint. I want to finish. I am doing the best I can. This couldn't have worse timing: I can't take the time to respond properly to this letter, to appeal this decision, without sacrificing some other deadline.

I am going to say my prayers and go to sleep now, because there is nothing about this situation that is made better by me being exhausted. But I don't think things will be any different in the morning, except that it will be seven hours later and I will still have just as much to do.