| I don't even know why I'm bringing this up, especially since I'm well aware that compared to so many other people, I'm incredibly lucky. Not to mention, you probably won't understand what I'm feeling because let's face it … you're not a mom, you seem to work 24/7, and you never take a vacation. In other words, you're "immune" from so much of what us "mere mortals" are going through. |
| If it were not for the fact that everyone is staying at home, I would think you were about to ask for time off for a summer vacation. Or, maybe you are planning a stay-cation? |
| Neither. I was doing my usual disclaimer before I lamented that August will be over before I know it. And when I look back over the summer, I'm going to find myself asking, "What summer?!" |
| The summer of COVID-19. It will be hard to forget. |
| I know. There are so many people, as in millions, who are truly suffering – whether physically, financially, or both. |
| Do not forget "mentally" as almost everyone, whether they realize it or not, is experiencing increased levels of stress. But, we are both very lucky. So, beside the obvious, what is your issue with this summer? |
| Now I feel guilty saying anything. But it's as if summer never happened. I feel like ever since corona-craziness hit over spring break, every day, every week, every month, just feels the same. With the only thing changing being the level of stress. |
| Sounds like that Bill Murray movie. I think it was called "Groundhog Day." |
|
Exactly.
|
| So, if someone asked you what you did this summer, what would be the first thing you would say? |
| Working seemingly non-stop on Red & Black. |
| Ok, I suspect if I had asked you that question a year ago, you probably would have said the same thing. |
| Maybe. Probably. But with us trying to get our new website up and running, it has been even crazier than normal. |
| I understand. However, we have the luxury of having always worked from home, so that aspect of life did not change. For some people, their work life is now extremely different. |
| Funny you say that. I was talking to a good friend and mentioned just that, which led to us talking about when Nick was unexpectedly fired years ago. All of a sudden, he had not only lost his job, but was home all the time. It changed the dynamics of our life literally in seconds. Nothing was the same from that moment on. |
| There is an understatement. And, I remember our conversations about how to explain it to the girls, who were very young at the time. Including the concept of working from home. |
| Yes, but even years later, once divorced and "doing" Red & Black full-time, it was challenging to work from home over summer break. And that was without all the complications related to the coronavirus. |
| I know how much COVID-19 affected Sawyer going to camp this year. Not only in terms of the weeks you stressed over whether to allow her to go, but also all the precautions that had to be taken in advance and in preparation for her return home. |
| This year was extremely different from the last 11 years. Especially because, on top of all the new rules and safety precautions, it was her first time as a camp counselor. I'm glad it worked out, otherwise she'd have gone stir-crazy at home since I was restricting a lot of her normal "outside-the-house" activities. |
| Yes, I could tell the months of staying home was getting to her. If it had not been for camp, it would have been a daily battle for you – trying to find the balance of keeping her safe yet also allowing her a life. |
| No kidding. But I'll say this, being stuck at home, Sawyer started cooking more and really enjoyed it. And I did too. It not only helped occupy her time, but she made dinner some nights. And they were delicious. |
| Do you still barbeque a lot? |
| Oh, yes. We're doing lots of barbecuing and lots of home cooking. I'm not quite ready to eat out in restaurants, and take-out is nice, but gets expensive. |
| Funny thing is that your eating habits sound old-fashioned. Back when families used to have meals together at home – instead of everyone grabbing something on the go. |
| Well, we're all stuck at home. What else are we supposed to do? In fact, if anything, I feel like we're eating too much. |
| If it makes you feel any better, that is extremely common. Many people turn to food, especially comfort food, to cope with stress. |
| I don't know if it being "extremely common" makes me feel any better about it. No more so than if you told me it's "extremely common" to feel stressed out about the coronavirus and the fact it seems to have taken over and changed everything. Including summer. |
| So to recap, this summer is filled with stir-crazy and/or bored kids, juggling work and summer break, barbeques and home cooking. And, if I had to guess, you probably had an overly optimistic list of things you wanted to do this summer that is not getting done. It sounds to me like a normal summer. |
| Yes, when you put it that way. I regret even starting this conversation, but can't help how I feel. And just because we're extremely lucky compared to others, it doesn't change the fact we still have to deal with the situation. |
| No argument there. However, I was merely addressing where this conversation started, which was you stating that you felt like you did not have a summer. |
| OK, so I did have a summer. But, as you pointed out, in so many ways it was just more "extreme". I guess it shouldn't surprise me that you'd see that. After all, as I often say, you're a bit more extreme … |
| I find that comment extremely … accurate. |
If you find yourself feeling, like Red, that in the scheme of things you've been extremely lucky this summer, consider reaching out to help others that are suffering. For example, Black donates to the local Feeding America Food Bank as the need for food has skyrocketed.
Every year on #GivingTuesday, Red tells Black that she knows how important giving is – whether time or money – but, unlike Black, she doesn’t have a meaningful charity that’s been part of her life for decades. We often “repeat” the conversation below, but this year, Black suggested that Red use #GivingTuesday to think about what charity inspires her or holds special meaning, and then get involved. Making it personal often ends up making it a year-round passion rather than a one-off obligation.
But no matter how you approach charity, beware of potential scammers. And, if in doubt — check them out! (Black likes GuideStar and Charity Navigator.)
| I know today’s Giving Tuesday, but what I always find so amazing is how you treat every day as “Giving Tuesday." |
| What makes you say that? I do not donate to an organization or charity every day. |
| You’re always so literal. I meant that the spirit of “giving to others”, whether donating or providing support in some way, seems to be part of your daily life. |
| I think you are exaggerating. |
red headassets.rebelmouse.io
Blackassets.rebelmouse.io | Really? What about your involvement with The Make-A-Wish Foundation? That’s been going on for years. And it didn’t take a “holiday” to get you involved. |
| Actually, it was a golf tournament decades ago. But once you see the difference you can make, even if it is a small donation because they add up, it becomes a way of life. Or, at least, it did for me. |
| I know you’ve quietly done things for other organizations and people, too. Living in the Houston area, we have no shortage of natural disasters, and we’ve seen people’s generosity. But what I like about GivingTuesday is it’s not waiting for a specific event because there are so many worthwhile charities that need our support every day. |
| Agree. And, although I am not always a huge fan of social media, #GivingTuesday – note the hashtag – started in 2012 to harness the power of the internet for hashtag activism and, more specifically, to inspire people and companies to give back. |
| Well, social media or not, I know how important it is to give back and help others. And it’s not always about money. Sometimes they need people to donate their time or expertise. I just wish we didn’t need a tragic event or “special day” as a reminder. |
| So, now that you have been reminded, stop talking to me and do your fair share for #GivingTuesday. Trust me, you will be glad you did. |
Today (Black would probably say “every day”) is the perfect day to give back to others, so check out this great list of ideas and pick one (or more) and become part of #GivingTuesday!
What’s so funny about the holiest day in Judaism, Yom Kippur, the “Day of Atonement”? A day where you fast as a way to help you deeply reflect on your past year, asking forgiveness, and then promising to do better.
Well, technically, nothing is funny about the holiday, but every time we think of this speaking engagement, it makes us laugh (as it did our audience) …
| I know that Yom Kippur isn't exactly known as one of the "fun" Jewish holidays, but every year, I can't help but laugh at what's easily my number one Yom Kippur memory. |
| That is what makes memories … memorable. And, finding something to laugh at on Yom Kippur, the Day of Atonement, which is probably the most important and solemn Jewish holiday, would be memorable. |
| I can't believe you're not even curious what it is!? |
assets.rebelmouse.io | You know I love to "connect the dots", and all you had to say was Yom Kippur, fun, and memory. Obviously, it was when RabbiScott asked us to speak before his congregation on Yom Kippur. |
| Well, I still find it surreal that we were asked to speak about money on one of the High Holy Days. And that we titled our presentation, "Oy Vey, You Want To Talk About Money?" |
| The day is about reflection, making fundamental changes – or at least adjustments – and trying to become a better person. And, just because it is a spiritual journey, there is no reason you cannot make learning fun. |
| True. I remember the time Rabbi Scott put a piece of aluminum foil in the children's Yom Kippur service program to help them understand that Yom Kippur's a day for reflection. But even you must admit that making a congregation laugh about money on a religious holiday is a bit much. |
| But, memorable. A few years later, I met someone who attended that service, and he said he's never forgotten it. |
| For the content or all the food analogies?! I can remember we started by saying how we just wanted to give everyone some food-for-thought and then saying, "Oops, since Yom Kippur's a day of fasting, maybe bringing up the subject of food wasn't such a good idea." |
| Of course, it did not stop us from doing it, again and again. |
| How else could we explain our unexpected journey into personal finance without mentioning it started at our first speaking engagement … which was at a Jewish Federation breakfast? |
| Or, how our detour into criminal justice started with me meeting with the chaplain at a men's prison? But I knew it was meant to be when she told me they had the only kosher kitchen in the Texas prison system. |
| And each time we looked at each other and then the audience, and we all laughed! With each mention of food, it just got funnier and funnier. But there was no way to avoid it. |
| I know. How could you tell the story about realizing all the money you were mindlessly spending at Jamba Juice without mentioning your almost-daily smoothies? Or, how you went grocery shopping at Whole Foods because it was convenient but not cost-effective. Anyway, until that day, I never realized how so many of our stories have to do with food. |
| I think the highlight was toward the end when I was explaining how I felt overwhelmed trying to tackle personal finance. That at times, things seemed insurmountable, and then you told me … it's like eating an elephant, you can do it, just one bite at a time. And everyone started laughing again. |
| On any other day, I doubt that analogy would make you think of food. But, on Yom Kippur, and especially since we were presenting after at least 15 hours of fasting, everything makes you hungry. |
| I guess it's like being so tired that you get slap happy. But I never thought a day of atonement and reflection could end up becoming a day of laughter. |
| On Yom Kippur, we wish people an "easy fast" or a "meaningful fast"… and if a bit of laughter, even if not intended, helps, what is wrong with that? |
| Good point. For that matter, you don't need to be Jewish to take a day, or even just an hour, to stop, to think, and to improve. |
| No fasting required. |
No matter the reason for a garage sale – whether to get rid of things you’re not using anymore, an attempt to declutter, or estate sale “leftovers” – they can be about so much more than just “stuff”. And is why we’re rerunning one of Red’s favorite posts. Plus, Saturday’s National Garage Sale Day. (Yes, that’s a real thing.)
| Thanks for the accounting of your garage sale. But, given how many hours you spent preparing for it, and then the actual sale itself, did you calculate how much you“earned” on a $/hour basis? |
| No, all I know is that it seemed to take forever to go through everything in Mom’s house and decide what to keep, what to sell, what to donate. And what to trash. As far as the garage sale, I’ll give you your half the next time I see you. |
| Keep my half. You did all the work. I did not even offer to help. |
| And that was a big help. Thank you. |
| Obviously, you must be exhausted because you are making no sense. |
| Sorry, but I have a specific way of running garage sales, and the last thing I needed was another “cook in the kitchen”. |
| Not a good analogy as “cook” is a four-letter word that I do not use. |
| Cute. But seriously, I knew if I had asked you to help, you would’ve. But I can only imagine how you’d have reacted when you first saw all the stuff for sale. Especially as I treat garage sales as a way to get rid of items that I know have very little value. I’m not trying to maximize the money I make; I’m just trying to make the stuff “go away”. In fact, I don’t even put prices on them. |
| That all makes sense. Except for not having everything pre-priced. That would drive me crazy. How do you know what to charge people? |
| It’s an experience thing and another reason why I didn’t ask you to help. I have a sense of prices, but not something I could quantify in advance. When someone arrives, I tell them that everything’s cheap and give them an example. They usually look at me like, “Wow, she means it.” And then I tell them to collect what they wantand that I promise to give them a good price. And I do. |
| Is that why you and Mom never had joint garage sales? I cannot imagine she would let you determine prices on the spot. |
| Actually, she’s the one who “taught” me not to price things. That if someone picks up something or you see them looking at it, they’re interested. And that’s all you need to know. Where we differed was in how much to charge. To her, it was fun, but also a way to make money. To me, a garage sale isn’t my retirement account. It’s my way to get rid of stuff, especially big, bulky stuff. |
| In other words, people are paying you to haul off your trash. Or, save you trips taking stuff to your local thrift stores. |
| Exactly. Although I still take a lot of items to thrift stores that would probably sell for a decent price at a garage sale because I believe in what they’re doing, and I know that my donations make a difference. But I forgot how fun a garage sale can be, meeting people and laughing, just making connections, and knowing that someone will now enjoy and/or use your things. Or, in this case, Mom’s things. |
| Is there a particular age group that came to your garage sale? |
| It was truly a mix of people. Not counting the kids tagging along with their parents, which reminded me of when the girls would set up a lemonade stand to benefit Make-A-Wish at my garage sales years ago, they ranged from 20-somethings to senior citizens. But I’m almost afraid to ask why you asked. |
| I will not get into studies and statistics, but younger people are really into the environment and reusing older things, especially clothing (which is one of the three “new” R’s – reduce– reuse – recycle). So, garage sales, along with thrift stores, are becoming more popular than ever. |
| I love it! And the idea of so many of Mom’s things, now that she’s passed, will get to live on and be enjoyed by others. |
| At the risk of sounding like a MasterCard commercial, there are some things that money cannot buy. Like sentimental value and fond memories. |
| I know. Which is why the process of sorting everything was so time-consuming. Interestingly, when that came up in conversation during the garage sale, so many people could relate and then shared their own stories. It was as if they wanted me to know that Mom’s things were getting a good home. |
| Well, if you add that to the cash you made, it sounds like a very successful garage sale. Hopefully, the next sale, being an estate sale with larger and higher-priced items, will be as successful. And, although I tried to get you to use a professional“estate sale” company that would do everything for you, I am beginning to understand why you decided to do it yourself. |
| The hardest part was culling and organizing, and there was no way I’d let strangers go through all of Mom’s things. And the internet makes “advertising” the sale and posting items online very easy. All-in-all, there’s no reason we can’t do it ourselves. |
| We?! |
| Yes, because your ability to combine photos into a single image and correct my grammar is important. But your spreadsheets will be critical. |
| Now, that I can do. |