Showing posts with label financial foundation. Show all posts
Showing posts with label financial foundation. Show all posts

Friday, April 19, 2019

5 Years Later: What Have We Learned?

Lately, I've been a somewhat reflective mood. March 1st was literally 5 years to the day when life as I knew it in NYC changed permanently. What shall we call it? The day my ex-husband decided 100% I had no human worth or the day I fled for my mental sanity? Well, whatever you call it a lot of things have changed & I keep marveling at how things have turned around.

For one thing, I've figured out exactly how to structure my entertainment career. I had exclusive representation then realized it wasn't for me. Maybe it was just the manager I had but I felt like there was too much controlling nonsense going on and I'm not the type who needs Superman to swoop in and save her. A manager contact I actually know said I likely don't need a manager, just a good agent. It felt like where every attorney clamors to get the big law firm job, you get the big law firm job then you do it & realize it's not what you had in mind. In my case, I felt like I was being repressed and having my sense of self-sufficiency taken away. I felt like I was being forced into a mold that didn't fit who I am & I don't want to do a career based around what I'm not. I want a representative who accepts and likes who I am. Somebody who's not going to tell me to hide my film company experience or my law licenses or my producing abilities or get attitude because I'm not some idiot. Someone who's not going to try horning in on things I did by myself or expecting me to placate the insecure assholes who want me to dim my light so they feel better about themselves. I realized I'd rather have my own film production company and create my own content but you need money to do that properly. You'll make far more money doing legal work than you will waiting tables. Recent conversations with sorority sisters who also work in decision making parts of larger companies in the business also made me feel better about this choice since they agreed that I shouldn't have to hide my legal background or my film company experience on my own website and personal social media pages. I'm even getting that creative spark back to start doing writing again & have ideas on what I see going on that nobody is addressing or speaking my voice on. A suggestion to do standup is also something I'm giving real thought to and wondering if I can get receipts if I'm charged for open mic so I can deduct those as business expenses.

I've also been able to afford things I wanted to get and been able to feel more whole again. Getting clothes that were too big for me altered (still working on that). Got renter's insurance, set up an IRA again, got savings accounts, did LASIK and my cosmetic dental work and even got DVDs I didn't get in the big DVD split. Life feels less like deprivation to me now. I even got a new official legal bag and a baseball style jacket and a short sleeved hoodie (things I'd wanted for years & couldn't find). Since my legal hustle has improved and I've made better entertainment contacts, things feel like they're looking up. I've been going to yoga when I can, have a kitty cat around who likes me (not quite like having my own but she is a lot like one of my old kitties in her own way; I'm probably too busy to keep one at this point anyway), have had friends and FWBs who take me out on occasion, fixed problems in my room and living situation I thought would never happen, etc. There's always going to be room for improvement but it feels like many of the problems I've had to deal with aren't impossible to overcome. I even have far better looking in terms of romantic prospects though I'm holding out for Mr. Big Stuff at this point since nobody's come close to surpassing him and I don't think he'd have bothered apologizing to me before if he didn't care at all. He seems a lot like Captain Horndog in the sense that no matter what I do or how hard I push him away, he's just not going to let me push him out of the ring that is my life. I don't feel like a lot of people have that kind of spirit and temerity to deal with the redhead even if she's told you to fuck off, leave her alone, that sort of thing. Part of me feels like maybe he won't ambush me with saying he's going to take up with some other bitch; I know I couldn't do the "let's be friends" thing since I'd really feel resentful of not being given a true shot and like I meant absolutely nothing,

I've been contrasting the new normal with how things were 5 years ago. I still remember it but it's very surreal to me now. I had no means to be independent, I was living in the Scarface mansion, this might have been when I met this really cute guy at an event and he was wowed by me being able to drive a pickup truck after I'd done that out of mere necessity (getting the cat who lived there his cat food since no one else was around to get it and there was no other vehicle I could use for that purpose), I was full on in Phase One of the divorce & had no idea if I was going to be around after October 13th of that year. Months were endless for me, I felt like a ghost and I was fighting to keep things that were just slipping away and vanishing. It also felt like I'd just woken up from a coma when I went to the Scarface mansion & everything had changed.

The perfect symbol of my life is the Cadbury Chocolate Creme Egg.

When my whole "Sex & the City" lifestyle first started, I was eating tons of those. I was staying in the East Village and saw them in the nearby CVS on sale. It was "Chocolate!!! Must get!" Those were something I was able to get and having them helped my emotional state a lot. It's literally super chocolate, a must for the chocolate fiend. Anytime I saw them on the cheap, I bought at least 3 of them. They also got me through 2015 when I was dealing with being on public assistance. I hadn't really had them so much before that whole situation happened.

This year, I go to find those and can't find them to save my life. I look online and no such luck. I can't even figure out what happened. Did they get discontinued? Were they recalled? Why can't you find them? Anything else just pales by comparison. It's made me annoyed but it's also felt like the end of an era, the era of me feeling cheated and wronged from what happened to me. Sometime last year it just felt irrelevant but now since I've been able to do for myself more and get things I've needed for ages but hadn't been able to do in years past, it feels like the scales have balanced out and I don't have to feel cheated and deprived anymore. I also feel like I've survived the worst and anything else that comes my way is far easier to deal with. How can you possibly tell someone who's survived the things I have that she needs to be concerned about what the rest of the world thinks of her or that she's got to cater to someone else's self-esteem problems? On what universe would that ever make sense? I also keep hearing and reading about situations where people followed their hearts, charted their own paths and it led to success. I'm just wondering when the heck I'm getting MY due on such things. As I said, there's still room for improvement though things are far better than they were 5 years ago.

Friday, February 2, 2018

Look at Me, I'm Self-Employed

Yeah, this post title is deliberate as it's from a song called "Takin' Care of Business." I've been self-employed for quite sometime and I feel it's necessary to tell you the good, the bad and the ugly of it.

The upsides are you work for yourself. Nobody gets to tell you you can't do something you want to do or who to work with or not work with. No workplace gets to censor your creative voice or demand you to put up with incompetent behavior. You get to keep a bunch of money for taxes and pay Uncle Sam in the end instead of waiting around for a refund. In theory, your time is yours.

The downside is you typically have to build a business. That part is extremely difficult, especially if you're not an expert marketer, come from tons of money or some great school where you've got built in contacts (and even going to an Ivy League school doesn't make you an instant millionaire as a gentleman in my life would freely point out). You also have to find people who actually advocate for you & think of you for things instead of the other guy. Your taxes are also a tad more complicated & forget about getting those done for free unless you're dead broke. Not to mention you most likely don't have stable income & you aren't guaranteed a given rate or paycheck. There's a lot of uncertainty to it all.

As a person who refused to work as a waitress in college because she didn't want to work for tips and refused to do commission based jobs or miserable base pay + commission, self-employment and this business building stuff is especially scary. I still have to control panic and stress attacks when I don't get a paying assignment on a given day. Plenty of people say I stress out too much and definitely have far more faith in me than I have in myself some days. I've been called "a shark," "a survivor," and I'm convinced there are people who think I'm Superwoman while I'm frantically thinking and telling people "No, I'm not."

When people think you're Superwoman, they never believe you have weak moments or are in need of help from anyone. They think you can magically take care of yourself and make things happen. I guess if you knew my full story, you might draw such conclusions about me.

One thing you learn as an adult is that nobody really has it together. You think they do but in actuality, they are dealing with credit card payments, bad credit scores, taking help from relatives, enduring insane housing conditions, suffering from health issues, all kinds of stuff. It makes you miss the days when your parents were superheroes and took care of everything no matter how bleak things looked.

I've seen this happen in the business world as well. It seems the self-employment panic attack happens even if you are paying bills successfully and businesses can close and merge after many years in existence. My former therapist told me she experienced that for years when she started out and told me I just needed not to fixate on that or stress out if I didn't get an assignment on a given day. I try to use that time to do other business obligations & tasks I need to get done that I'd usually be too busy for like business networking, responding to e-mails, submitting for casting calls and even simple relaxation.

You learn that the house isn't build on the solid foundation you assume it is, whether that's a business or personal existence.

The best way I could describe being self-employed is living in a perpetual state of unease and worry about whether you're going to make your bills this month. The constant worry that if this goes sour, everything will come crashing down around you. You ask yourself "How are you going to deal with it?" Some choose self-employment and some are forced into it. I was definitely forced into it due to being so unique when it comes to my skill set & talents. From what I hear about people's jobs, though, I feel like it's a better route than a job I'd hate where I'd be forced to change my entire identity. I definitely know life is precious and time is fleeting so you may as well do what makes you happy vs. worrying obsessively about your credit score.

Knowing the big truths makes it feel more encouraging, like I'm on this journey and I'm not going to be in the exact same place 5 years from now. More recently, I've been looking back on where I was 4 years ago. I actually saw a pic from a fashion show I did nearly 4 years ago since a friend shared it on her Facebook timeline. I had vivid memories of doing that show and how I was feeling at that time; modeling that night was a literal escape from the hell of my household with my ex-husband.

I have also thought about where I was when I started on my new legal work almost 3 years ago and what I've learned in that time along with the progress I've made in my creative career that I never got when I was married.

But knowing all these things, does anyone still get the fear that all their effort will be in vain? That the worst case scenario is going to happen and no matter how much you try to prepare for it, you know there's no way you could handle it long term? That it couldn't become your new normal & you'd want to die if it did?

My big fear is being forced to live in NC again; I'm a really crappy Southerner, you know. I don't like country music, I don't have a Southern accent, I spent a childhood overshadowed by my sister and it's just far too small for me. My eccentricity might be noticeable in NYC & I might be "weird" here but this is a city of weirdos so nobody hassles you for your own individual weirdness unless it's in the form of "she needs to be locked up" crazy. I stuck out like a sore thumb in NC and in my childhood though I've been gratified in recent times by people who knew me back then saying I was pretty, had worth and all that good stuff. It made me realize my lifelong problem wasn't the problem I thought it was & I know how to manage that one far better, in a more healthy and positive way. If I didn't know how to cook, didn't possess charm + manners & have more conservative leanings on some subjects (including a belief that God exists), I think they'd revoke my Southern card.

Being self-employed feels like being on a tightrope extended between 2 high rise buildings with at least 20 floors & knowing that there MIGHT be a net at the bottom if you fall but you don't know how sturdy the net is, if anyone's going to be holding that out for you, and you have no safety harness to rely on. But I consistently have to remind myself that much of my life has been like this. Getting thrown out by my lowlife ex and my transient life was definitely like this; yet so many people claim I'm a survivor and have "survived" this. I feel like I'm still recovering but there are things I'm not dealing with anymore that made me realize "hey, they're kind of right."

I've also questioned whether anyone really has an easier existence than me & I feel like the answer is "no, their existence is just difficult in other ways." The big questions come up a lot when you've lost a parent, gotten divorced, lived as a transient or talked to people who sound like they're doing a lot better than you (I've found out those people have envied me or thought I had it made in various ways).

I'll be the first person to tell you self-employment is not for everyone. You have to be extremely ambitious, determined, motivated and a freaking force of nature. You also have to do you best not to let the anxiety and instability eat away at your soul. It shouldn't be glamorized though it is how most businesses came to exist & there are all sorts of stories about famous owners and celebrities who had extremely difficult times to get where they are today. I like to think maybe my dark days are getting brighter and I'm either going to be confronted with full sunshine or I'm going to be dead and leave behind an indelible mark on the world. So many people never show you the reality & I feel it's only fair I oblige by sharing my truth with others. They also say writing reduces stress so if you feel it, you may want to try it sometime.