Way back in July, I left you in the lurch about that
four-season porch I was lusting after. This week and next, I’ll complete the
saga.
Having decided I wanted a porch like I’d had in Minnesota, I
had an agent from a reputable company look at my patio concrete slab with roof.
I also contacted credit unions and banks about fixed-rate equity loans. I
learned that the price, after rebates, would be $21,100. I could borrow that
amount for 10 years for $226 a month. Those were the facts.
For several hours, I dwelt in Cloud Cuckoo Land, blithely
imagining my life on that porch: the writing I’d do there; the cats sleeping
there in winter with the wall heater warming their bellies and in summer with
the AC cooling their tongues; the evenings reading by the lamp’s light; the
peace of sitting and watching the fireflies light up the back yard. Ah. It
warmed the cockles of my heart as the Irish say.
Then reality strode into the labyrinth of my mind.
It first came with a shadow of unease that I didn’t recognize
until I’d had another cup of tea and gone down into that deep center of myself
where I dwell in the Oneness of Peace, Contentment, and Love.
I began to think of coming up with $226 a month on my fixed
income. Since leaving the convent fifty years ago, I’ve kept track of my
spending. I know how much money I have and where it goes when I spend it. So I
knew that a monthly payment of that amount would leave me with only about $25
for emergencies. In other words, I’d have no discretionary funds. I’d be
strapped for money for the next 120 months.
Moreover, I’d spend the next ten years of my life worrying
about emergencies and what I’d do if something untoward happened. I’d worry
about being in debt when I died and my family having to pay off that debt.
I’d worry about the utility bills going up and my health insurance and prescription premium rising (as they had ever since I retired some 17 years ago). Bottom line: I was going to spend the next ten years worrying about money.
I’d worry about the utility bills going up and my health insurance and prescription premium rising (as they had ever since I retired some 17 years ago). Bottom line: I was going to spend the next ten years worrying about money.
Now none of us know how long we have to live, but as we age,
we know the likelihood of death is probably more imminent. So was I going to
spend the next 10 years—maybe the last 10 years of my life—worrying about
money? Was the four-season porch worth all that worry?
I did then what I’ve done since 1992 when I first encountered
the book The Artist’s Way by Julia
Cameron. That is, I used my “Morning Pages” to help me reconcile my dream of a four-season
porch with the reality of its cost. I needed to find the clarity that was
welling up in the deep center of myself.
So the next morning, per usual, I wrote my three morning pages
in longhand. This takes me about forty-five minutes, and I’ve been doing it for
about twenty-five years. Those pages have helped me meet every vicissitude of
my life.
Once again, they came to my aid. As I began to write about my
feelings, my fears, my dreams, my worries—all those things that were bubbling
up within me—I covered pages one and two. By the time I came to page three, I
was ready and eager for insight and it came.
So next Sunday, I’ll share with you the final porch chapter.
I hope it will content you as much as it contents me.
Peace.
The photo, from Wikipedia, is of an Asian Emerald Cuckoo.
Your post today resonated with me. I too would love to have a front porch to sit out on... and have contemplated the cost, etc. And I too have read The Artist's Way by Julia Cameron (years ago). But the realities of aging on a limited income do come into play. Since my car accident a few weeks ago and the necessity of purchasing another car has become an unexpected expense, I imagine 'the porch' will not become a reality any time soon (if at all). And you could well be right - spending the next 10 years worrying about money would take all the joy out of your new porch. However, perhaps a windfall will come to you through your writing! That would be perfect...
ReplyDeleteDear Rian, a windfall from writing would be wonderful!!!! But I'm not expected anything like that because self-publishing means I do my own marketing and I'm not savvy with regard to social media. I've been so grateful to fellow bloggers who have written about the convent memoir, but thus far it's sold fewer than 225 copies. I'd dreamed big there too, but I'm learning to be grateful for what is. I'm learning, that is, to embrace the moment and all it brings with it.
DeleteI'm sorry to learn of your auto accident. I hope you weren't injured. Did you blog about that? If so, I missed it while I was on my blogging hiatus. Let me know, please. Peace.
Sounds like you are going about your decision in a wise and systematic way that, in the end, you'll be at peace with. Have you considered just having your slab with the roof over it just screened in rather than a full remake into a three-season porch? Whatever you end up doing---and I can't wait to hear about it next week---one things is universally true: no matter how hard we try, we really can't go home again.
ReplyDeleteDear Jean, I didn't consider anything but the four-season until I was doing my Morning Pages. Surely that was an example of "tunnel vision." You know I'm sure we can't go home again, and that isn't what the porch is about--wanting to be back in Stillwater, Minnesota. Instead it's about the feeling I have when I'm on a porch with the cats and the sun is shining through or the rain is spattering and I'm reading a good book. Peace.
DeleteI can certainly empathize with not wanting the last years of one's life spent worrying about finances. It's true. Everything is going up. Last month it it hit me--electric, gas, cable, rent, food, all have risen drastically during the last couple of years. Each month I put a few dollars away for things I enjoy and the rest is for bills and emergencies. One never knows when something is going to happen. I'm anxious to hear your decision. Wondering if you settled on having a porch built, but a smaller and more affordable version.
ReplyDeleteYes, it's so true that the cost of everything just keeps rising. I try, and mostly manage, to live within my budget and my means. This four-season porch really captured my attention though and I lost my sense of reality for a while. Peace.
DeleteI suspect that the dream was full of the many delights that you wrote about here, but that you chose safety in the present for dreams of that porch. But what do I know? I look forward to hearing your thoughts. Sending you many blessings from me to you. :-)
ReplyDeleteDear DJan, I like your phrase "safety in the present." I can apply that to so many things--like remembering to lift my feet when I walk through my house and not to shuffle because I have rugs here and there and stumbling on one could lead to a fall! Peace.
DeleteI think you got a God Whisper as to what to do.
ReplyDeleteDear Judy, I think you're right! Peace.
DeleteIt can be hard sometimes when our most special dreams clash with our reality. After putting down your thoughts, I'm sure you found what you needed to do about your enclosed porch.
ReplyDeleteDear Inger, it's so true that as you say--when I put down my thoughts and see them on the page, looking back up at me, I find answers to the concerns of my life--be they health or money or my writing. That just happened again yesterday and this morning. Peace.
DeletePorch or no porch (or a different kind of porch)--that is the question!!
ReplyDeleteDear Fishducky, ah yes, "To be or not to be." Peace.
DeleteWill be interested in hearing your decision. Know you will have given it most careful thought. I do think the anxiety about available dollars would take a lot of the joy out of your dream porch.
ReplyDeleteDear Patti, I agree with you that "the anxiety" about money would take much "joy" out of sitting on that four-season porch! Peace.
DeleteI have come to a space in my life when I can no longer handle the stress of debt. I got rid of my line of credit and my 35,000 limit credit card. I am down to one credit card with a $500.00 limit. That’s it. It brings me more peace than I can say. I don’t really get to go anywhere or buy much but that’s okay.
ReplyDeleteDear Birdie, I so understand. I went into credit card debt one Christmas season in about 1998 and needed a whole year to pay off the gifts I'd given. After that, I paid off my credit card each month and didn't buy something if I knew I couldn't pay it off when the bill came in the next month's mail! And yes, I think that's very much "okay"!!!!! I admire you for doing what you did with the credit cards. Peace.
DeleteThat porch sounds so wonderful, but I also hate to worry about money. I'll be awaiting your decision ....
ReplyDeleteDear Cynthia, reconciling the two really take my writing down my feelings and recognizing the unease I was feeling. I hope next Sunday to be able to write in such a way that I can convey exactly what I came to. Peace.
DeleteI am sure you came to the right decision on this, Dee.
ReplyDeleteDear Arleen, what I'm sure of is that you came to an excellent decision with regard to your outdoor room! I so hope you are enjoying it. Peace.
DeleteI'm sure you made a less stressful choice - eager to hear what it was! My library group, having a few years ago worked on The Artist's Way, is now working on It's Never Too Late to Start Again, also by Cameron. So that has brought me back to Morning Pages which I didn't stick with the first time. Your success with them may encourage me to be more committed this time...
ReplyDeleteDear Molly, when I first did the Morning Pages I found that the "artist dates" were the hardest part--taking myself someone once a week and letting myself just enjoy being alone didn't always feel right because I lived alone and spent most of days alone! But I did find some new places to go in Stillwater and so made some discoveries.
DeleteI need to look up the book by her that you mentioned.
Truly the pages have helped me greatly as I've gone through so much change in the last 20 years. Renovation of my 1870 home in Minnesota, then moving here, many physical problems, retiring, dreaming of making it as a writer. So much has gone into those Morning Pages. I hope you will find them as helpful as I have. Peace.
Thank you for this post, Dee. We are contemplating a move across the country. One of the first questions asked by my husband re: the move was, 'Would you be happy growing old in *name of potential new city*? I had to give that one a hard think.
ReplyDeleteGreetings from SF, B
Dear Bea, I think it's always, for me, a "hard think" when I'm about to embark on a change. Change is risky and risks threaten most of us--although I find sometimes that they enliven my spirit and challenge me to embrace something new. They invite me to "let go and let Oneness work within me."
DeleteI'm wondering where you are now with this move. Did your "hard think" bring you to some surety? Peace.
I am sure that you can to the decision which is right for you, and look forward to reading more.
ReplyDeleteA visit to Cloud Cuckoo Land is often not only pleasant, but healing (whether or not we set up camp in that land).
Heartfelt hugs as always.
Dear Sue, thanks for saying what you did about healing and Cloud Cuckoo Land and not having to set up camp there, but at least visiting it. I've never thought about all that before and I find that your words give me a lot to consider as I work in my Morning pages. Peace.
DeleteI reduced my life to essentials three years ago. If I can't pay for it, I don't buy it. I have one puny credit card and a fixed income. Laura's father lost his job last month, and this month we are adjusting to $200 less cash. Fortunately we were able to transfer her to another health insurance. Dee, I've always had porch envy. But it always will be envy, no porch.
ReplyDeleteDear Joanna, having just discovered the posts about your recent falling and your needing therapy and all this is happening, I can truly appreciate that right now you are going through a stressful time. I hope that all is working out. the fact that three years ago you made such an important decision must be helping you and your family today as you tighten your belts.
DeleteI seldom feel much envy, but I admit that I dream, too, of being successful as an author and I do feel envy for those authors who experience success. I feel it even as I'm happy for them. It's a strange mix--I wouldn't want them not to have succeeded; I'm glad for them. But oh, I would so like to have my writing reach a wider audience. That's a dream too! Peace.
Some things seem like a good idea until we did into it a bit more we think of the pitfalls and suddenly it no longer seems such a good idea
ReplyDeleteDear Jo-Anne, as reality set in with regard to the porch, I surely began to see those pitfalls. I've always worried about money, ever since I was a child and my dad drank away his paycheck each week. My grandmother sent us "Care" packages of food. Mom did her best to manage the little money we had, but I always worry there will never be enough. Peace.
DeleteIncredible piece of writing dearest Dee!
ReplyDeletei loved your way of self observation and firm eye on facts
dwelling on clouds of dreams is also necessary because it gives us joy ,hope and strength to step ahead and fight for turning these dreams into reality
when we were living with my in laws for 16 years and each days was in hell most of the time
those tough times made us dream about our own separate house which seemed impossible with fixed income of hubby as he was only one who was earning ,he wanted me to take care of kids instead of helping him in rising income
just like you we dwelt on dreams cloud and though facts were so threatening we took 3 loans from different banks ,for those loans we payed far bigger amount of increased money for 7 years yet we did not loose the faith that
however these days will pass
we suffered with scary situations due to lack of money as our both younger kids were only child of 3 years and baby of 4 months then
but by the grace of God time finally passed and today we live in our own heaven not spoiled by anyone else
Dea Baili, thank you for sharing the story of you and your husband and how you worked so hard to manifest your dream of your own separate home. I am so glad that happened for you. It took much work and many years, but now there is, I think, a deep, down happiness in you that comes through everything you write. Your faith is deep. Peace.
DeleteOh dear, how I know that feeling. I am constantly totting up the incomings and outgoings and, although I am comfortable if I don’t splurge, grand plans are not provided for.
ReplyDeleteHow sad when it’s only money stopping us from getting somethings we know would please us greatly.
I wonder what you’ll do.
Dear Friko, I hope to post next Sunday about that decision. I'm content with it, but it has brought other decisions with it! I'm so glad I do these Morning Pages and that they help me work through the muddle in my mind.
DeleteI'm glad that your life is comfortable so long as you don't "splurge." That's how my life it, and I think it helps me be grateful for what I have. Peace.
Hello Dee! How about a compromise? Can you alter the plans in a way that will make the porch more affordable? Looking forward to your decision.
ReplyDeleteDear Lori, have you ever seen the musical "Oklahoma"? There's a song in it--"With me it's all or nothing . . ." and that's how I've been deep down for most of my life--the whole idea or nothing. Now the question is, can I change????? Can the little engine that could go in another direction? Tune in next Sunday! Peace.
DeleteOh Dee you are such a tease, we are all waiting with bated breath for the next instalment. What are you going to do, the porch will be your happy place, but may cause financial misery … Or have you looked within to find happiness without a porch!
ReplyDeleteBring on the next post!
Wren x
Dear Wren, looking within to find happiness is surely always the best route to go! Peace.
Delete