I’m Poor

“I’m poor” is a phrase that I’ve been hearing a lot lately from friends, especially when I’m trying to plan a nice evening for us outside of our apartments. Every time I hear that phrase, I cringe and hold my tongue. For many individuals my age, it can seem like we have no money. Student loans, renting our first apartment, car insurance, renters insurance, pets, cell phone bills; it all escalates quickly. But, are we really “poor?”

Different images can pop into our minds when we think of the word “poor” or “rich.” When I think of “poor,” I think about a homeless person sitting on the side of the street, or a single parent who only works a few hours a week and is about to lose his or her house…and possibly their child(ren). When I think of poor, I don’t think of people in their early-mid twenties. Sure, we don’t have a lot, and we haven’t even started thinking about saving for retirement, but most of us have an amazing support system, like friends or family, or other financial resources (financial counselors) that can help push us in the right direction.

When I think of poor, I think of individuals whose family members left them to fend for themselves, put them into foster care, went to jail, died without saving a single penny to give to their children (who are already homeless with nothing), the list goes on. When I think of rich, sure I think about individuals that have mansions in California, nice cars, wear Gucci, etc. However, I also think of people who have enough money to pay for their own car, provide food for themselves (and possibly another family member), have a pet or multiple, go out to eat with friends, but most importantly, I think about myself. When I thought I had nothing, whenever I’ve felt like the world is falling apart around me, I have my family, friends, significant other, and my dog. I have a plan B; I have a backup system. This helps me know that even if I don’t have much in the end, everything will work out.

I used to be the type of person who took on everything, who thought she could figure it out on her own, who was afraid to ask for help, and who was used to having other adults “taking care of” it for her when it was physically apparent that she was struggling. Now, I’ve learned to say “no.” I’ve learned to ask for help directly and from multiple resources. I ask for help because I am rich. I am rich because I have a strong support system. I have a strong support system because I’m attracted to people who know what it means to care. I am not poor. I am the opposite of poor.

Granny Smith – over and out

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Mom..Dad..I’m Home!

After college, I did what 45% of college graduates do and moved back home with my parents.  Now, did I really NEED to move back home? No. But I did because they were more than willing to take me in, and, like millions of other college graduates, I have to pay back my student loans.

Moving back home has been an easier transition than I expected. When I was in college and would come home for a weekend or the holidays, my parents always wanted to know where I was, they bombarded me with questions, and felt the need to cling on to me every moment. I felt like I couldn’t get away from them…and of course, when I would leave to go back to school, my dad would shed a few tears.

But, now that I have a full-time job, I only see them for about four hours a day..and I guess that’s enough for the both of us. Moving back, I thought that my parents would purpose chores, curfews, etc., but they’ve actually backed away from those items. I certainly don’t feel like a guest in my own home, but I do feel like they’ve realized that I’m an adult with a grown up job who’s just trying to make it week-by-week.

However, I realize that my situation isn’t exactly the norm, and that many new college graduates, and even grown adults, struggle when they choose move back in with their parents. So, below, I’ve compiled a list that I’ve received from the lovely internet, with a few tips that should help you survive when you move back in with your parents.

1. Set reasonable expectations. True, you may have been able to come and go as you please, leave your room a disaster, and have a new guest over every night before, but this arrangement may not work for your folks. Set some reasonable expectations — for everyone involved — before you even step through the door.

2. Set some ground rules. Alright, you may have to have a curfew so your poor mother doesn’t think something terrible has happened to you if you’re not home by 4:00 in the morning — but your mom also needs to understand that she can’t just barge in to your room without any notice. Set some ground rules as soon as possible to make sure everyone is clear on how things will work.

3. Expect a combination of a roommate relationship and a parent/kid relationship. Yes, you’ve had roommates for the past several years, and you may view your parents similar to them. Your parents, however, will always view you as their child. Do your best to keep this in mind as you figure out how things will work once you move back in. Sure, it seems ridiculous for a roommate to want to know where you’re going every night. But your parents probably have a legitimate right to ask.

4. Set a time frame for how long you’re planning on living there. Do you just need someplace to crash between when you graduate from college and when you start graduate school in the fall? Or do you need somewhere to live until you can save enough money on your own to get your own place? Talk about how long you plan on staying — 3 months, 6 months, 1 year — and then check back in with your parents once that time frame is up.

5. Discuss money, no matter how awkward. No one really likes to talk about money. But addressing the topic with your parents — how much you’ll pay in rent, for food, to get back on their health insurance plan, or if the car you’ve been borrowing needs more gas — will help prevent a ton of problems later.

6. Have your own support networks ready to go. After living on your own, living with your parents can become very isolating. Do your best to have systems in place that provide you with an outlet and support network that is separate from your parents’.

7. Thing creatively about how the relationship is give and take — both ways. Yes, your parents are letting you stay at their place, and yes, you may pay rent to do so. But are there other ways you can help, especially if money is tight for everyone? Can you help around the house — with yard work, fix-it projects, or technical support for the computers they can never get to work right — in ways that will make your living relationship much more symbiotic?

8. Remember that the person who moves back in with your parents is not the same person who left. Your parents may have a very specific — and outdated — idea of “who” is moving back in with them. Take a deep breath and do your best to remind them that, while you left the house as an 18-year-old college freshman, you are now returning as a 22-year-old, college-educated adult.

9. Remember that time at your folks’ is still an opportunity to build your own life — not put it on pause. Just because you are at your parents’, waiting until you can move out on your own, doesn’t mean your life is on pause. Volunteer, date, explore new things, and do your best to continue learning and growing instead of just waiting for your first opportunity to move on to somewhere else.

10. Enjoy yourself! This may seem completely unthinkable if moving back in with your folks was the last thing you wanted to do. However, living at home can be a once-in-a-lifetime opportunity to finally learn your mom’s secret fried chicken recipe and your dad’s amazing way with woodworking tools. Live it up and take in as much as you can.

Granny Smith – over and out