Money · Wisdom

A Matter of Money

For fourteen years, I looked away when I saw something I wanted, but didn’t need.

This wasn’t some extreme, religious practice to deny myself. Rather, it was something I have learned to practice early on in my adult life; something I realized very quickly would be the key to having enough: Contentment.

This morning I scrolled through google news (I really need to stop, ya know!) only to find that half of the articles were about – you guessed it – MONEY.

Our Government extending the CERB benefit.

Capitalism – should it be demolished?

The Current Debt of our Country.

Superstore Ending the $2/hr pay increase as COVID-19 risk subsides.

Home owners forced to sell their homes because they couldn’t pay their mortgages.

And you know what I find extremely funny? The comments! You would think from the statements that were made that the Canada we live in is a 3rd world country where people are starving and have no opportunity to work! And that homelessness is just a step away for the average person.

“Debt or not, people NEED this money! Just increase taxes on the rich!” was one comment I read.

“Have you ever tried to live off of a minimum wage income? IMPOSSIBLE!” another commenter stated.

“Company owners should NEVER make more than their employees, they’re the ones who actually do the WORK!” said another.

Now before I say another word about these comments, let me tell you my story.

I grew up in a sheltered, “bible belt” area in Manitoba, Canada. I was raised in a middle class, mennonite family who worked hard and spent wisely. But I made my own choices, and around the age of 17, I found myself pregnant, working at a minimum wage job (Dairy Queen) at the beginning of my grade 12 year. 

In my opinion, when one finds themselves a pregnant teen with no husband, she has two options: Selfishness or Selflessness. Basically I needed to decide: am I going to continue to make choices for myself and what’s best for me? Or will I think of my child and what’s best for him?

Long story short, I chose to think of the baby.

I married my boyfriend (A wise decision in my particular case because he is a GOOD, hardworking man… I’m aware that often this wouldn’t be the best route!) I quit high school one credit short so that I could work full time and get mat-leave. I chose to surround myself with wise people, leaving my party friends behind. And I looked the other way when I saw things that I couldn’t afford.

This became my path:

A 70s trailer with mice (and rats), instead of a brand new condo or home.

Hand-me down outfits and self-help wardrobes.

Second hand furniture. If it was free, even better. 

My “beauty” care was called soap and deodorant.

No cell phone. One vehicle (a used, $3,000 jeep… not a brand new lease!!)

No internet. And definitely no daily “Timmies”.

None of what my “millennial” generation deems essential.

And yet, these same people, who deem minimum wages “impossible”, don’t realize that it’s VERY possible.

START LOW. Period.

DON’T SPEND WHAT YOU DON’T HAVE.

You can not start off life like your “rich” or “middle-class” parents ended theirs!

Really!

They took their whole lives to get to the place where you ended off. Don’t assume that’s where you can start.

Slowly, as my husbands work experience grew, our one wage grew. My mat-leave ran out. His raise almost covered it. I took a correspondence course and graduated with no celebrations. No parties. Just a mailed in diploma. Very anti-climatic. But SO worth it!

I then stayed home and realized how much I could “earn” by NOT working: I shopped for deals, made meals from scratch, started a garden, made cakes to sell and babysat for a bit of extra cash. There were no daycare costs, no “take-out” bill because I was too busy to cook, no second cell phone bill, no high gas bill because I drove almost nowhere. And I calculated that our savings in doing this was almost as much we would’ve made if I went back to work.

I guess the point of my story – the point of me sharing, is to say that the Western Entitlement attitude HAS to stop, or our country will bankrupt itself.

Down the road, my husband got to go to a nine month college course. He got a much better paying job and later, had an incredible opportunity to buy into a small rural internet company. For a year, he was the only employee and worked day and night to keep the company growing. In time, he hired two more employees. They DID make less money than him, but they also never had to deal with angry customers, late night service support, or canceled events or outings because of emergency outages.

And speaking as a previous business owner, I have to say that many, many of them deserve ten times the pay their employees make.

You. Have. No. IDEA!

It sucks to own a company. I can’t speak for huge companies, but I watched my husband’s life basically drain out of him for the three years he worked to build up his small business. And when he got the chance to sell and become an employee again – you bet – he ran at the chance! Even when it meant losing some of the “benefits”.

So please, please people. Do not think that business owners are undeserving of a bigger check.

They’ve earned it. 

And to top it off, far too many Canadians, don’t even want to go back to work! They simply want to have a share in what they have not rightfully earned. Our government is paying able-bodied people money to stay home and watch Netflix! Why ever would they want to look for a job?

As the debates continue, I just cling to the hope that wisdom will prevail. Someone has to pay for the government handouts. Either our generation or the many future ones to come. Equality doesn’t mean everyone gets the same amount of cash. Equality means equal opportunities for everyone to get it.

This means that if you are unwilling to start low, your bank account will never grow. If you don’t put in the work to get an education, you will never be able to get a higher paying job. If you are a lazy employee, you don’t deserve the promotion that your colleague got. If you think you deserve a $90,000 a year salary, benefits, and the ability to choose your own hours, you better get your head checked, because it AIN’T gonna be handed to you! Those who are there, either worked hard to get there or their parents did.

Equal opportunities. Not equal “stuff.” And we do have equal opportunities for education, healthcare, jobs and life in Canada. But it does come at a cost: Hard work.

It was the hard work of previous generations who made our country what it was. Let’s not throw that away.