Money Matters.

Sometimes it feels like all I do is make money and spend it.  Not exactly making my mark on the world, or saving it.  But spending your money can be one of the most socially conscious and political acts you perform.  A bit sad, perhaps, but not if you really think about it.  As an individual, your ability to improve the world you live in can seem laughably limited.  Voting is a case in point that everyone will understand.  And most of us are too busy or lazy to engage in any extra-curricular altruistic or charitable activities.  But what we all do, all the time, is spend money on ourselves and our loved ones.  And unlike voting, what we spend our money on is not inconsequential.  (Calm down, I vote - thereby apparently earning my right to complain about the state of the nation.  Every election, I throw away both my votes on the Green Party; only to watch them get passed over yet again like a homely wallflower.)

In a democratic capitalist society, most significant change or progress is actually brought about by businesses seeing a demand in the market place or a threat to their all-important brand.  No point in decrying that or getting all cynical about it - better to think of it as an opportunity for you to have a say.  Obviously it costs more money to make a more responsible product & in order to make a profit, that extra cost gets passed on to the consumer.  So in order to be a responsible consumer, you will have to fork out more cash.  But the good news is that the more people that choose to pay for products and services that more reflect their values, the more likely that the demand will be noted and rewarded with competition.  And hopefully as a consequence of that, the businesses themselves will have their production needs better met as there will be more of a demand.  Of course, there is always the issue of legitimacy and less than ethical businesses jumping on the bandwagon but those can be dealt with through the usual avenues that questionable business practices are investigated. If you are concerned, then do some research.

It's so much easier now to find free-range chicken, eggs, bacon and pork.  Easier to find environmentally-friendlier cleaning products.  Easier to find organic, vegetarian, vegan, gluten-free foods.  (Ugh, just threw up in my mouth a little.)  Easier to find Fair Trade products.  (What's not easier to find are clothes made in NZ but I am working on that.)  But that didn't just happen because businesses decided to do the right thing, screw profit.  Not to say that their motives are all questionable; just that the market has to be there for it to be worth it, for them to succeed.  With big businesses, there has to be enough of a pay-off, kudos-wise.  It happened because consumers decided that some things were more important than getting bargain bin prices.  More important than living in the Now with easily disposable products and toxic by-products.  So decide what you think is more important and make yourselves "heard".  Put your money where your mouth is.    

PC or not PC?

As soon as I even see the letters P and C together in a non-computing context, I completely lose interest in whatever I am reading.  (Yeah OK, in a computing context too.)  This goes double if they are preceded by "un-" or "anti-".   I say, the sooner we do away with these terms, the better.  Let's say what we really think and be prepared to suffer the consequences.  Let's stop hiding behind ridiculous terminology.  If you don't really care about something enough to actually do something about it, don't pay it lip service.  If you're going to be a cunt, then be one and don't try and flip it by accusing others of being too sensitive or not having a sense of humor.  I don't agree that everything we say outside the privacy of our homes should be sterilised so as to stay in line with what has been deemed appropriate.  But I also disagree with those who shoot their mouths off and then don't stand behind their own words.  When I lived in London, people (strangely enough, white male people) would constantly make the most ignorant, bigoted remarks/jokes then would tell me that they were just winding me up?!  I would then make it clear that I was now wound the fuck up and they should be prepared to deal with that.

Quite clearly I don't exactly have the most PG sensibility.  My language and sense of humor is not always for the faint of heart.  Sometimes I am just straight-up bitchy and shallow.  But I am always ready to back myself up or to apologise for being a dick.  I do try and gauge my audience and adjust my content so as to not offend the people I am directing my hilarious comments to, as well as those in my immediate vicinity.  Apparently that is what's known as being politically correct.  And I thought it was just not being a jerk.  What the hell is wrong with thinking before you speak?  Or just taking a look around?  I don't think that's being hypocritical.  You wouldn't tell your grandmother a dirty joke or your boss a drug-fueled exploit. (Actually get a few drinks in me and I lose all ability to be situation-specific content-appropriate.) It's just unspeakably arrogant to decide, without really thinking about it, that everyone within earshot should not be so sensitive.  I am constantly having conversations inflicted on me (usually at one of my temp jobs) that I am offended or irritated by but can't really respond to because they are not actually talking to me.  Doesn't always stop me but would my silence be considered acquiescence?
 
I have had an issue with political correctness for as long as I have been aware of the term.  It has always seemed to me that the wrong people get upset about it.  Because it is just a trick.  It's just lip service.  It's just using words to rename things, people and concepts without really challenging the establishment or making any real changes to the power structure.  It is alarmingly easy to appease those much lower in the totem pole by just giving their jobs more official-sounding names or magnanimously "outlawing" certain hurtful taunts.  A rose by any other name should still stand up for their rights.  Don't fall for that shit.  Just because they are no longer saying it, doesn't mean they're not thinking it.  I would rather know who stands against me.  I respect honesty above all else.

Of course, the worst thing about PC has been the backlash against PC.  Nothing annoys me more because somehow people have been given (or rather given themselves) permission to be more thoughtless, insensitive and obnoxious than ever.  Perhaps not ever but more racist, sexist and homophobic than has been deemed seemly in quite some time.  And while it may seem that this is the honesty I ask for, it is not.  Because it is underhanded, trying to deny the right to respond. A sphincter says what?    

Buy now. Pay later.

Other than learning how to deal with social adversity and being different, it's hard to recall what the point of high school was.  Obviously there must be a great deal of knowledge that I have retained and allegedly it was there that I learned how to acquire information and how to think for myself.  As the years have progressed though I have to say that I think that the main reason to finish secondary and tertiary education is that people discriminate against you if you don't.  Predominantly I consider high school to be a place where young adults are subjected to last-ditch attempts at brainwashing, socialisation, labelling and peer pressure.  By and large, I think that actual education and free-thinking are pretty low on the priorities of many of these great institutions, deferring to discipline and conformity.  I think that for most young adults, high school is mostly a holding pen that we are obligated to be babysat in until we are slightly less repellent to our elders & that the quality of education at most high schools is not simply not high enough to make willing scholars out of any but the most predestined.

It seems to me that if we all have to be in high school then there should be a stronger emphasis on learning life skills that will help you from making some pretty big mistakes;  information we could all actually benefit from and that would actually relate to our lives.  One of the biggest misnomers is that common sense is actually common.  Of course, it is common for parents to complain that life skills, sex education, etc are their domain and that schools should just stick to the 3Rs.  But if they were indeed doing their jobs properly then they wouldn't be so concerned that these kind of classes will rush their kids into having sex or other experiences they are not yet ready for.  Or that putting an emphasis on something other than higher education will lead their kids to abandon it altogether.  If high schools have classes that teach you how to cook and sew, then why can't they teach you other basics such as how to budget and avoid/manage debt.  (Of course, they may well do now - I wouldn't have a clue.)  I just wish I had learned a lot earlier certain lessons about money and those determined to separate you from your hard-earned cash, about their tricks and strategies.  No-one ever taught me about debt.  All I really knew is that there were two types of people in the world - people who saved their pennies and people like me.  And as long as I paid rent and as long as I had a job, I never really saw the harm in my lack of impulse control and forethought.  That was before I discovered the world of credit.

It took me ages to realise what a hole I had dug for myself.  And even longer to realise that my previous choices mean that I have far fewer now.  Debt means that people stay in undesirable situations, jobs, relationships because they can't afford to leave.  Debt means that people have to put off things they long to do.  Debt means having to spend money on... debt.  Having money saves you money.  Once you're in a significant amount of debt, the future looks grim or at least pretty joyless.  It feels like two steps forward, one step back.  Interest rates on credit cards and hire purchase loans are so high that it can be hard to do more than just tread water.  I pay a lot of money every payday to my credit cards and yet the day when I can pay them all off is so far in the future that I can't bear to think about it.

But I have no-one to blame but myself, though I certainly had a lot of help from banks and other businesses.  I am naturally impulsive and I have somewhat of an addictive personality.  Ten years in hospitality means that I have discerning tastes way beyond my means.  Also I would often spend money generously just to counter the stinginess I often saw in customers.  I was trying to live a life that I felt befitted me.  I definitely made this bed.  (And I enjoyed doing it.)  And my life now isn't so bad!  It is comfortable and it has a lot of love in it.  I have a lot to be grateful for.  I just wish I could have avoided this whole mess.  It comes pretty close to an actual regret.  Especially since it was so avoidable.  If only I had been warned.