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The Collapse & The Rising

apple blossoms

Getting to this point——deciding to winter in spring——was a long process. It was an excruciatingly slow descent from a period of general wellness and peace to this very dark, seemingly hopeless place.

Right now, I am sitting at the kitchen table. A eucalyptus and spearmint candle has been burning all morning. There is a vase of lilacs to the left of me. Between the scent of the lilacs and the fragrance of the candle, the room smells heavenly. It’s been a long-time since I could say that. For so long it was only putrid wafts of dirty diapers and dogs that could be smelled in here. Pleasant scents were a luxury that I “could not afford” during those years spent in survival mode. Just like baths. Baths for me, are like bookends that mark my stretches in survival mode. There is no room for baths in survival. The last time I took a bath was in 2019 and that explains a lot, I suppose.

Another thing that gets neglected during these stretches of suffering are my houseplants. From 2018 to 2019, my houseplants were lush and thriving. Three months ago, they were barely hanging on. How could I keep something as frivolous as houseplants alive, when every day was one long march of death, an agonizing struggle to do what needed to be done, until I could finally collapse into bed each night.

Now, this room smells like heaven. My houseplants are slowly springing back to life, there are even new leaves uncurling on my pothos, those miraculous, indomitable plants that cling to life, withstanding the harshest periods of neglect, and then with just a little attention, bravely send forth another little leaf to try again, in spite of it all.

Baths haven’t happened yet, but I turn 39 tomorrow, and I am thinking, just maybe…

I’ve just put the twins down for their nap. I am hungry but I want to write. My soul has been set on fire these last few days as I’ve launched myself full bore into the idea of wintering in spring, into the hope that things can finally change.

I keep closing my eyes and trying to remember when precisely it all started. The memory of a bitter cold evening in 2020 drifts like a photograph into my mind. The year was turning, we were moving into the depth of winter. I was in the house and I felt like I was suffocating, like there were 3 tons of weight pressing down on my chest. It was terrifying.

Despite the bitter cold outside, I told Roman and Marina to bundle up. We had to get out. We had to get out of the house right then. (I’ve known that feeling before.)

So we walked outside and over to the ballpark, a stone’s throw from our house. I took deep breaths and watched the icy blue sky as it turned from late afternoon to twilight. Wisps of pink and purple clouds were strewn across the blue, luminous and iridescent swipes of color that only a fading winter sunset can display. Puffs of grey smoke escaped our warm mouths and filled the freezing air for fleeting moments at a time. Puff, puff, puff as we walked along in the cold, our feet crunching over the grass that was just beginning to freeze. I took photographs. I still have them somewhere——the sky, Marina’s hand-knitted scarf, Roman’s bright red cheeks, the bare tree branches like spilled ink across the watercolor winter sky.

I wanted to stay out there, maybe forever. I felt immune to the cold because I had escaped. Maybe I embraced the cold because anything would be better than coming back inside. Anything at all.

But then my children were climbing on a cement statue and Marina fell, and she got hurt. And maybe because of the cold, her pain was exaggerated, and she started to weep. I took her into my arms, shushing gently, trying to calm her, as a mother does. But suddenly it all started to spin out of my control. The cold began to pierce the 3 of us and they looked at me with cold, tired, longing eyes and I knew that we had to come back inside.

Maybe that was the turning point, the beginning of the descent. I cannot recall with perfect clarity because we don’t remember the exact moment when these things start. We just know that it happens, slowly, insidiously. Things start to get bad, and then they get worse. Months or years pass. And then one day we wake up and we cannot recognize ourselves in the mirror, and the suffocating feeling has burrowed itself into the deepest parts of us. It is as though the entire body is painfully crushed into a terrible vice, and it just keeps getting tighter and tighter. The room spins at a dizzying speed. Breathing becomes an impossible labor. The heart races and hope feels desperately out of reach.

This is when the collapse happens. It’s dreadful and it’s terrifying. But, my God, it is necessary. Because it is the point at which we stand back up, and begin again.

So that is how I got here. And this is why I am wintering in spring. Because I have stood back up after the collapse. And the woman who cherished her suffering is dead. I will go on from here and I will write a new story.

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    My Journey to Financial Freedom | Part 1: The Fall

    Three years ago, I was nearly $60,000 in debt. I had a Bachelor’s degree that didn’t appear to be worth its weight in salt and a job that couldn’t cover a fraction of my monthly bills. I was terrified.

    Today, I am closer to complete financial freedom than I ever dreamed possible. Last week, I paid off my last remaining credit card balance. This two-part post is a celebration of this incredible milestone in my journey.

    In part one, I will explain how I got to that terrible place. In part two, I will explain how I’m getting out of it (and how you can do it, too).

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    A financial prison is the worst sort of prison to be stuck in. A financial prison does not have steel bars or a prison warden. You will not get sent to financial prison for committing a crime. There is only one person that can sentence you to financial prison. That person is you.

    There are two primary types of financial prisoners:

    1. There are those in financial prison who got there because they truly did not know any better. This type eventually realizes the error of their ways and breaks free.

    2. There are those who knowingly commit themselves to financial prison. This type is well aware of the consequences of living beyond her means; but she does it anyway.

    Of course there are also those who fall somewhere in the middle, like me… (Cue dream sequence.) It all started when I was 18. The guidance counseling systems in my high school and college were either completely inadequate or I simply refused to pay attention. I can’t honestly remember which it was, though I think it was the former. Either way, I was screwed.

    Before me, no one in my family had ever been to college so I didn’t receive much advice. I was thrilled to be out of high school and ready for the next step. I took my SATs one time and applied to one school. My parents, being average folks, made just enough money to prevent me from receiving financial aid; but not enough money to be able to pay my full tuition. For me, this meant loans: “lovely” student loans from “lovely” Sallie Mae.

    My mother co-signed and it was a cinch from there. Each semester I filled out a relatively simple form and like magic, Sallie Mae sent me a check. In fact, Sallie Mae was so generous that they allowed me to take out as much “extra” money as I needed every semester. It was fantastic! Yes, I had money to pay for books, meals, and extra curricula. I also had money to go out and binge drink, buy clothes I didn’t need, designer purses, and more. Sallie Mae was wonderful to me. And the best part if it was that there was no need for discussion. No one guided me, no one advised me, and no one asked me any questions. I showed up at the financial aid office a couple of times each year and it was always smooth sailing.

    On top of that, another great thing happened when I was 18! The credit card companies started to send me applications. And that was just as easy. I got one and then another and then another. Whatever I couldn’t cover with those pretty little checks from Sallie Mae, I could simply charge on my credit cards. College was good to me. I joined a sorority, I partied hard, I shopped until I dropped. What more could a girl ask for?

    It wasn’t all fun & games though. I worked through college. I worked at a children’s camp each summer; I was a Spanish teacher for two years; and toward the end of my college career I was a bookseller at Borders bookstore. All of the money I made working was spending money for me. I had Sallie Mae and the credit cards to pay all of my “real” bills.

    When I finally graduated, I was making a cool $8.25 an hour at Borders. I loved it. I was happy… until one day, out of no where, a letter came in the mail. I had a six month grace period and then I would have to start paying back those loans. My paychecks barely covered my minimum credit card payments. How was I going to make loan payments on top of that?

    So I sat down and did something that I’d never done before. I wrote up a budget. It was horrifying when I realized that even if I’d had no other bills, my monthly wages from Borders wouldn’t even cover half of my monthly student loan payments. The jig was up.

    All told, I came out of college with about $45,000 in student loan debt and almost $15,000 in credit card debt. I hadn’t even lived on campus; I commuted from home; my parents paid for some of my tuition; and I only went to a mediocre school. How the hell was this possible?

    All of a sudden Sallie Mae and the credit card companies didn’t seem so lovely anymore. There was one thought that kept repeating over & over in my head: Why didn’t anyone warn me? I felt cheated, betrayed, angry, afraid, and helpless. I wondered what the people in the financial aid office had been doing all that time. I wondered why my high school guidance counselor didn’t press me harder about applying for scholarships or grants. I wondered a lot of things, but mostly I wondered how the hell I was going to get out of the mess.

    I started sending out resumes for jobs with starting salaries that would at least cover my monthly student loan payments. I sent out resume after resume but before long, I realized another harsh reality. That Bachelor’s Degree in English with a Creative Writing Focus wasn’t so great either. Nobody was calling me back. I couldn’t even get an interview.

    The clock was ticking. I was halfway through my grace period. Then one day, one of my best friends mentioned an opening in her office. I looked over the job description and realized that it had nothing to do with what I’d gone to school for. I didn’t even know what it actually was, but the starting salary was more than what I needed. The rest was history.

    I’ve been at my current company for almost three years now. And yesterday I paid off my last remaining credit card balance! Additionally over these few years, I’ve cut my student loan debt almost in half and by next Winter, I will have it down to a quarter of what I started with.

    Stay tuned for tomorrow’s post, where I will share how I am doing it and how you can do it, too.

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