Stop Trying to Make It Easy

hard work ethic
My hard working, never say stop Grandmother with one of her favorite tools – the meat slicer

Back in the summer months of 2014, I decided to break one of my financial commandments – no spending money on a gym membership. I started to be bored working out at home, in the very sparse and dungeon-like confines of the basement, where I keep my heavy bag, jump rope, and a variety of weights. No longer inspired to exercise by myself, I needed a change of scenery.

Although it was hard to commit to the monthly payment at first (my frugal grandmother would have thought this a very frivolous expense), I jumped in and was quickly happy with the decision. My gym is clean, the staff is friendly, and there is more than enough variety of equipment to get in any type of workout that you choose. And the fact that it is extremely close to my house makes it all the more appealing.

On the surface, total win.

The only issue so far? The months of January and February. After the New Years cocktails are a fleeting memory to most people, stampeding crowds of fitness wannabees descend on gyms and fitness centers, with dreams of getting in better shape, taking every parking spot in the lot and leaving not a treadmill open.

It’s enough to make me look forward to the “dungeon” again.

The sad part, or perhaps not so sad, is that by mid March at the latest, the massive crowds will have fizzled out. Hopes and dreams for the quick fix will have been dashed. The monthly payments will be still taken from their bank accounts, even if they never show up again.

In time, I’ll be able to park anywhere I want, and every dumbbell and elliptical will be there for the taking.

New Year’s resolutions will be abandoned, and there will be clear sailing for the rest of us until next January.

Quitting is the easiest option when you realize the quick fix and the short cut will not work. They will never work. Leaves me wondering why everybody wants it so easy.

Stop trying to make it easy.

The image for this post is a favorite of mine. I have plenty of pictures of my grandparents that remind me of how they got where they needed to be. By working their asses off. By continually grinding.

Once they had their minds set on becoming responsible, productive American citizens who would eventually employ fellow citizens, they became unstoppable.

They never looked for the easy way to do anything. With my grandparents, the very thought of “the easy way out” or less than maximum effort would have been laughable.

I don’t even need to bring to detail their early years, the years of the factory jobs and building their own businesses from practically nothing. I can just use an example of when they were in their 70s and 80s, working every day. Rosina, in a restaurant kitchen for half of her day, then in her private kitchen for the other half. Twelve hours. Without consideration of “making things easy.”

I had prime role models growing up.

With their help and guidance, it’s now easy for me to get through the months of January and February at the gym, sailing right through the spring. It’s easy to feel privileged and blessed with abundance when money is tight for some, because of the way they taught me to spend and save.

In car crazy America, I have no problem driving less because they never drove at all. I’m inspired to keep my small mortgage instead of “moving up”, as they never needed a bank to give them one in the first place.

My route to the gym passes on the road to the cemetery where my grandparents are now. Done purposefully or not, I don’t know. I do know I can’t pass by without a signal that the hard work is about to commence.

As I drive by, I remind myself to try and embody the lifestyle that they embraced. Go hard. Be fast. Don’t stop.

And for Heaven’s sake, stop trying to make it easy.

6 Nuggets Of Financial Wisdom From The Old School

My grandfather, young and handsome!

My grandparents could not take advantage of much education when they came to America as they had to go to work at a young age. But in many respects, my grandparents managed to acquire more financial intelligence than most of us, including me and you.

Makes little sense, right? How can someone’s grandparents possibly be smarter than they are? The older generation did not have access to all that we do. This is the information age. We have Google and Bing to search at the speed of light, and Twitter and Facebook to share any piece of information that we have in real time.

Most of us would also have an edge in education, as well. My grandparents never attended college. They went to work as soon as they possibly could, to aid in the support of their family. So, naturally, our intelligence must be more advanced too, right?

Look at me now, typing away, publishing my words on-line and competently stringing a few sentences together. You might say this talent makes me a little smarter than, say, my grandmother.

We may be able to gather information more quickly, that’s a given. More intelligent? The jury’s out on that one. As far as being common sense smart, the previous generations might have it all over us. I’d like to offer some of their “money handling” examples:

They spent their money wisely – Yeah, at times my grandfather would splurge on a lottery ticket (or two). And yes, my Nonna liked to buy a surplus of imported cheese that was fifteen dollars a pound. But most times, they were not crazy with their money. They went to stores infrequently, shopped sales when they did go, and they didn’t have any expensive hobbies like golf, boating, or weekends in Las Vegas. Things were pretty simple. And when your needs are simple, you tend to not spend money.

They saved the same way – Since there wasn’t a lot of spending going on, they saved a lot of money. As they worked hard and built their business, they were also able to build a house in 1969 without taking on a mortgage (that one still amazes me). They purchased another restaurant after operating their first one for several years. You’re able to do that by saving- not dropping all your cash.

Their house was not an investment – Very simply, they bought their house to live in. Period. They weren’t concerned about the house’s market value, if they could tap it for equity, or if they could retire if it was sold. They lived there. It was their home – not a piece of an investment portfolio.

Meals were prepared at home – There were very few trips to restaurants when my gram and her sisters were around and cooking at full throttle. Dinners out were special occasion only. For them, the term “take out” meant taking out the garbage. These girls made some of the greatest lunches and dinners to ever hit a table. It never occurred to them;

“Gee, why cook? Let’s go out for dinner tonight!” or “Honey, I’m tired from my day doing piece work at the factory…can we go out?”

Ridiculous. They knew they would never get a meal of the same quality at a restaurant as one they cooked themselves at home. I feel the same way.

They brewed their own coffee – Especially in my grandmother’s house, the coffee pot was ritual. Granted, in my grandparents’ prime, the Dunkin Donuts and Starbucks of the world were not at all prevelant. But if they were around today, I’m sure they would probably think “Really?? People like paying seven dollars for a cup of coffee?” Myself, I’m not here to bash Starbucks. I love their coffee, and every six months or so, I’ll treat myself to one. But every day, like some people? Not me. That’ll really put a hole in your wallet.

And last but not least…

They were happy with what they had – Keeping up with everybody else was not in their playbook.  They didn’t give a shit about what the neighbors had. If there was ever any envy or jealousy, it was about who had a bigger fig tree or had the best spread on the Sunday dinner table. My grandmother’s one extravagance was a fur coat, and she wore it out. She wore the same dresses, and my grandfather wore the same flannel shirts, forever. And they were perfectly happy. They weren’t concerned with clothes, jewelry, fine wine, or exotic vacations. The only concern was whether or not you had enough to eat.

What say you? Should we adopt some of the financial principles of yesterday? Or should we continue guzzling Starbucks and lusting after BMWs while the economy falls further into the outhouse? Agree or disagree, comments please!