spiritual

* This post is from about a year and a half ago. I loved his story and I still agree with the sentiment…curious to hear how you feel.

In an interview he did in 2007, Peter O’Toole, that beautiful, blue-eyed, scalawag actor, was asked the question, “What do you want written on your tombstone”?

He leaned back and told the story of his beloved tattered leather jacket.
He said it was soaked in sweat, covered in blood, Guinness and corn flakes?!
Which of course made it his favorite.
Eventually it went to the cleaners.
It came back with a note pinned to it, that all these years later still made him chuckle.
It read:

“It distresses us to return work which is not perfect”

That’s was his answer, and I couldn’t agree more!
Because otherwise, what’s the point!?

When I leave this mortal coil, I want to be “distressed.”
I want to show I’ve lived.
That perhaps it wasn’t a pure and “perfect” life, but dammit! It was a life well lived!

Just like his jacket, I want to be worn in, with the wrinkles and scars to prove it.
I want to be covered in sweat, and dog hair, with smeared lipstick and wine stains.
…Maybe even corn flakes!

I want unpaid parking tickets in the pockets.
Along with a motorcycle key, a condom and a wad of foreign currency.

I want my leather to smell like a combination of caramel, tobacco, Shalimar, and coffee,
I want it to be found on the back of a chair in George Clooney’s suite in a Paris Hotel.

I want to remain impossibly irresistible yet perfectly imperfect.

Then I want to be “returned to sender, postage due.”

How about you?
Xox

The Sound Of Silence
-By Simon and Garfunkel

“Hello darkness, my old friend
I’ve come to talk with you again
Because a vision softly creeping
Left its seeds while I was sleeping
And the vision that was planted
In my brain still remains
Within the sound of silence.”

I woke up on the wrong side of the bed Monday.

I went to sleep in lovely Los Angeles, California and woke up on the dark side of the moon.
It was desolate, deplete of oxygen, and I found myself suffocating in sadness.

I had nightmares all night long, you know the ones. You can’t for the life of you remember anything except how awful they left you feeling upon awakening.
A pit in your stomach, a heart full of dread and a bitter aftertaste as a parting gift.

The dogs are fine, our health is good, the weekend was unremarkable…

So what gives?
There was no apparent reason to feel such malaise, but I have the kind of mind that searches for a reason, so I spent an hour digging up the corpses of buried woes.
It’s the opposite of a gratitude list.
It reminded me of a mutant case of PMS on steroids.
I’m sure you can relate.

Starting with Woe Number 378:
Why can’t I lose that stubborn twenty pounds so that I can be the weight I was MY WHOLE LIFE – until I turned fifty? There is not a bag of potato chips big enough to sooth me. Could it be because I eat the same amount of food that my 6’4″ – 250 pound husband does. Sometimes more? Nah. I didn’t think so.

Number 217
God dammit, some days I’m so God damn old.
I wrote the previous post about it. Hey, maybe that’s what sent me off the deep end.

BTW – I couldn’t write on Monday – just wasn’t feelin’ it. I couldn’t have found an inspirational thing to say to you if you’d have paid me a million dollars. Seriously.
Not sure today is any better, but misery loves company, so I thought I’d share.

I function at a pretty high happiness level, so this felt like shit and I was desperate to feel better.

Sat down to meditate…it felt like the express elevator into the abyss, so I took a pass.

I took off on my power walk like I always do in the mornings. It helps balance me.
That’s when I listen to all the inspirational talks I have on my phone. It sets the mood for the day, and usually when I get back – I’m pumped! AND I’ve accomplished the 10,000 steps needed to keep a flat “writer’s ass” at bay.

Every step from that point on is gravy. Even the ones to the fridge. It’s the law.

But Monday I was so low that the walk only got me to a place where I could suppress the ugly cry.
Tears were right at the surface.
Big ones. Unspecific but insistent, with sobbing and snot and oy, oy, oy-ing.

Number 442
The boxer-shark-puppy has dug up half the back lawn and it is a continuous mud pit. The dried mud is everywhere, paw prints, nose prints, butt prints, you name it; to the point where I’ve stopped sweeping or washing or hosing the outside living area. We all just sit in the filth.
She has also become extremely destructive, eating our plantation shutters, chairs, and a carefully curated list of items she knows I really love.

When I returned from my calming, centering, inspirational walk, the puppy had breached the defensive fort my husband had built to keep her away from the shutters, finding an opening and then dropping in from above, like Tom Cruise in Mission Impossible.
The old dog just watched while she gnawed a shutter-slat into a toothpick.

So I had to beat my dog. Number 12.
There came the tears. I hate training and punishment. I cried my head off – she filed her nails and popped her gum like the brat she is. (Relax – it’s one of those flimsy little coupon flyers wrapped in a plastic bag, so it sounds worse that it feels – followed by a time-out in a small bathroom.)

At noon I recovered enough to go help a friend brainstorm some work stuff, which focused my mind and actually felt really good. As I walked up the driveway upon my return, a light rain was falling. I was at once reminded of the puppy destruction displayed in the side window, the fact that our gutters are filled with leaves and our trim needs paint along with the pit of impending mud in the back.

That acted like a one way ticket straight back to hell.

Which led to the “Come to Jesus” talk last night.

Not the puppy and I – me and my husband.
I think he was a little scared of me in my melancholy state. Probably because I started with the declarative statement: “I know I’m a piece of work right now, and you love me but you’re probably not in love with me – anyway…”
Looking at me like you do a wild beast that’s about to rip you to shreds, he backed away, shaking his head, and silently (that silent part is SO smart) got the crate back down from the attic so that the puppy will live to see another day, and we can salvage some window coverings and continue to sit on chairs with legs.

Then I watched “When Harry Met Sally” to remember how to smile, and went to bed.

Some days are beyond salvaging.

All this to say: Holy Shit! I have horrible days. I do!

Dark side of the moon, sounds of silence, I can’t meditate, so don’t ask me to, beat the dog, see every flaw, cry baby, demon possessed, post menopause PMS, wild beast, unreasonable, pick a fight, non-salvageable days.

Here’s praying today’s a better day.

Dear God (or Source or Whomever),
Every day is a gift.
Filled with potential.
Please don’t let me spend another day in hell.
I won’t call the day wasted, even though it sure felt like it.
I’ll just consider it part of the ebb and flow of life.
It will make me appreciate the good days that much more.

…Oh, that’s sneaky God. That thing you do.

Water never tastes as good as when you’re really thirsty.
Food never tastes better than when you’re famished.
It never feels as good to sleep as when you’re exhausted.

Okay.
I get it.
Wise guy.

Xox

“Youth is wasted on the young” ~ George Bernard Shaw

I was just thinking about that today.
About youth and aging.
About perky tits and chicken neck waddle.
About going from looking in the mirror and worrying if you have enough concealer to hide the zits, to being completely helpless without the assistance of a supersonic magnifying mirror made by NASA to apply anything besides Chapstick.

By the way, what happened to my lips?

Every morning I send out a search party to find my upper lip.  It disappeared around five years ago, and I miss it.  If you see it out on the town, wearing a wildly undefined coat of Chanel red lipstick, please tell it I’m looking for it and to come home.

What I was really pondering, was my ability as a young woman, to fluctuate between being utterly fearless, to riddled with insecurity, indecision and doubt.

It was quite a swing, the speedball of emotional cocktails – and I know I’m not the only one.  You can’t hide.  I can sense you there.

Things that used to terrify me, sending me into a cold sweat, have now become second nature. And vice versa.

These days I have no problem letting someone know if they’re out of line. I have mastered the art of confrontation (which when done well, really is an art) to the point where it doesn’t even feel like a disagreement and often we all end up laughing, hugging, singing Kumbaya, and taking a selfie.

I also spontaneously hug people – in public.  Complete strangers. It can be triggered by the most random of things, a great haircut, a cool tattoo, an interesting laugh, what they’re eating, a cute dog or if I happen to see them crying.

As a younger woman I would have rather died, run over by a clown car full of disapproving authority figures.

Back then what I lacked in depth, I made up for in reckless abandon.
I was born with very little modesty.  I’d show my boobs to anyone who’d ask ( yes there were requests), pee without closing the door, and walk across a beach or crowded pool party in a bikini without a cover up.

I know! I was oblivious. There are pictures.

Now just recalling that makes me sick to my stomach.

I’d also sing at the drop of a hat.  At the top of my lungs.  That is until I turned thirty and developed crippling stage fright, which only released its grip on me after fifty when I no longer gave a fuck.

I care less and less about making a fool of myself, which is one of the HUGE benefits of getting older. I cannot overstate that.

 If only I’d felt that way back then. I’d be Lady Gaga by now.

As I established earlier this month, the older I get, the less fucks I give.  I have a limited amount left and I don’t want to waste one.
I’m a Nazi about only spending time with the people I want to see, doing the things I want to do.
I no longer give a fuck about chipped nail polish, carrying the “right bag”, who the latest, greatest anything/anyone is, how big your diamond is, how much grey hair I have, the ebb and flow of the stock market, keeping up with the Kardashians, or who wore it better.
I have bigger fish to fry.

All I give a fuck about is my health, my family, my husband and what my dogs think of me.

A friend complained to me recently, ” Oh God, I don’t need any more friends, I have forty years worth, and I don’t see enough of the ones I have!”

Not me! It seems I make new friends faster and more easily as I’ve gotten older.

Either people have become less discerning, or I’ve suddenly become much more interesting and engaging. (I’m not sure which one bodes better for me.)
Maybe it’s true that like a fine wine, I have improved with age. The jury’s still out, but what I DO know is that I’ve become infinitely more approachable.
And curious.   

I was so busy being self involved when I was young, ( if it had been an Olympic sport, I would have medaled), that I really didn’t give a rat’s ass about anyone else.  I also thought I knew it all.  Now I’m certain of ONE thing only:  I don’t know shit about shit.

Here’s the thing,  other people seem SO frickin’ interesting to me. Everyone’s doing something fabulous that I need to hear about right now! Their lives are complex, multi-faceted nuggets of wonder and goodness. When did that happen?

In my opinion, youth is wasted on the young because of their lack of appreciation. Also, because in not knowing any better, too many fucks are wasted on frivolous shit that doesn’t matter a day, let alone a year or ten years later.

And by the fact that in the moment – being young seems like it will last forever.   Doesn’t it?

Curious to hear what you think.
Big love,
Xox

“I’ll know that I’m finally happy the day that I invite the demons knocking at my door to come in and sit down for tea while I take a seat nearby and smile at how old and tired they all look.”

~Marisa B. Crane

Enjoy your tea, loves!

xox

*You could also add: We can make ourselves happy too. Same amount of work.
Here’s a short essay that states that in a different way – take a look.
xox

Why I’m rewriting Murphy’s Law
by psgrout

Pam Grout is the author of 17 books including E-Squared: 9 Do-it-Yourself Energy Experiments that Prove Your Thoughts Create Your Reality and the just-released sequel, E-Cubed, 9 More Experiments that Prove Mirth, Magic and Merriment is your Full-time Gig.

Chemistry
chem·is·try
ˈkeməstrē/
noun
1. the branch of science that deals with the identification of the substances of which matter is composed; blah, blah, blah, more scientific jargon.

2. the complex (understatement) emotional or psychological interaction between two people.
“their affair was triggered by intense sexual chemistry” (THAT’S the one I’m takin’ about.)

synonyms: affinity (not) attraction ( attraction is to chemistry, what propane is to rocket fuel) rapport (weak) spark ( ha! that’s putting it mildly)

“there was a chemistry between them” (…and they didn’t sleep for a week)

So, after the post about my lapse of good judgement due to some “intense sexual chemistry”,

http://www.theobserversvoice.com/2014/09/his-wife-saved-me-from-becoming-the-other-woman-a-cautionary-tale/

I decided to give this elusive beast more thought; seeing that it can ruin our lives and such.

So what is chemistry anyway?
If I knew the answer to that, well, I would be bottling it and living on my private island with all the subjects of my “research.”

There are studies that chalk it up to smell, to pheromones. According to the dictionary, Pheromones are chemicals, hormones, capable of acting outside the body of the secreting individual to impact the behavior of the receiving individual.

In other words, little invisible sexual secret agents, that overrule all common sense, decorum and self-respect. They blindside us, leaving us slaves to our lady parts.
Men, I suppose you can blame your struggles with self-control on chemistry and pheromones – but what’s your excuse the rest of the time? – just sayin’.

Tweet: People that say they don’t “believe” in chemistry, have never experienced it.
Right?
I just felt the slow, collective, nod of thousands of heads.

I mean, it can strike you when you least expect it.
It’s a form of sexual terrorism, with the MOST wicked sense of humor.

Chemistry has no conscience, that I know for sure.
It seems it’s the strongest with the most inappropriate people; at the most inopportune times.

Haven’t you ever locked eyes across a crowded party with…the cater waiter?
Come on! I know it’s not just me!
What about the guy in the Home Depot outdoor department? Or the beautiful man in Starbucks?

A friend of mine locked eyes with a stunning, young woman, on an airplane, seated in first class.
He was walking down the aisle to his cheapest of the cheap seats, in the waaaaay back of bitch/coach.
He knew she felt the chemistry too when she walked all the way to the back of the plane to use the restroom, forgoing all the comforts of the first class potty, just to flirt with him.

They exchanged magazines, book titles, recipes and phone numbers, gossiping and giggling like two teenage girls, and annoying everyone around him, late into the night.
The pheromones were so strong, she had to be warned sternly, several times, to go back to her first class seat during turbulence.
Sadly, she was met at the gate by a much older husband and three little kids – and my friend is gay.
Hey, I’ve already told you, chemistry knows no boundaries.

My philosophy is this:
Feel the chemistry. Marvel at it. Admire it even. Then walk away.
Except if you’re single, some chemistry is a must have in any relationship, because, take it from me – if it’s not there, the first time you get a whiff of it; you’ll bolt.

My heart still flips over when my husband enters a room. Not every time – but most of the time.

Listen, mark my words; that wild, mad, leave your wife, make bad decisions, rip your clothes off in public, kind of chemistry does NOT make for good RELATIONSHIPS.

Relationships require some intellect, intimacy and love.

Chemistry is not to be mistaken for love. Ever.

Pheromone fueled chemistry rules the region south – of – the – border; if you catch my drift.
It’s the stuff of books and movies and it NEVER works out in the end. Trust me.

Knowing the difference can save you a lifetime of hurt.

Sympathetic kiss,
Xox

Have you got a juicy chemistry story for me?

“Love comes to those who still hope even though they’ve been disappointed, to those who still believe even though they’ve been betrayed, to those who still love even though they’ve been hurt before.”
– Anon

Who hasn’t wanted to throw in the towel, join a convent, become a loner, join the Foreign Legion, live on a deserted island with only a soccer ball to give them shit, and padlock their heart for safe keeping, throwing away the key, after a love affair has crashed and burned?
Show of hands?

I have mucho experience in this field. I have been epically dumped, numerous times, so I’m an expert. And that’s all the dirty details you get today.

Except…
Each time, even as the sheets were cooling off, I worked really hard to keep my heart open, cuts, bruises, skid marks and all. I could be laying in my bed, boo-hoo-hooing my head off, snot all over my pillow, and the mantra that would keep repeating in my head-full-of-sorrow would be this:
“Keep your heart open Janet, don’t close your heart.”
Well, maybe not at first – but it always did sooner rather than later.

And you wanna know why?

Because it gave me another chance to fall in love, and THAT is one of my top five, all time, stupid smile on my face, greatest things EVER, why we are here, wouldn’t give it up for the world, FAVORITE things to do.

I love feeling that chemistry when you first meet someone new. The giggly phone calls, dating, getting to know someone, and eventually feeling that little tingle that let’s you know – holy shit… I’m falling in love.

Again.

This wounded heart is on the mend. I recognize that feeling, its…love.

It amazing how resilient that muscle can be. Love is like a magic elixir that just washes away all the pain and hurt, all the betrayal, doubt and fear.

Until I met someone new, (and I know you think that will NEVER happen again, but I can assure you – it will), I’d marinate my heart in love by watching movies and reading books that reminded me that I could feel it again. I’d even hang around my lovey-dovey married friends.
Like an athlete keeping their muscles supple by stretching. Often it was an excruciatingly painful process.
I would have much rather stayed bitchy and bitter.
I’m sure you know what I mean.

But the alternative, an atrophied heart, hard and cold, unable to let in the love, was unacceptable to me.

Tweet: I’m a lover. It’s the dealer breaker between Me and life.

I’d rather love than be right.
I’d rather love than feel vindicated.
I’d rather love than be mad.
I’d rather love than get even.

Before you smack me, take a minute. You know I’m right.

Tweet: Because love really is the best revenge.

* This also works inside a relationship when you forget why you love them and you want to grab them by the throat and see them suffer…oh, maybe that’s just me.

Sending you big, big, love,
Xox

In 1994 I traveled with a friend to the Big Island of Hawaii and the trip turned out to be magical.
No really. Magic happened.

I hadn’t thought about it for many years, but on my walk today I started remembering all the amazing things that took place, especially on one particular afternoon, and that usually means I should write about it.
So here goes:

We were guests of a friend who was working on a movie being shot on the Big Island. The studio was springing for her condo up in the hills overlooking the deep, blue Pacific, so she invited us to spend some time in her pre-paid paradise.

Pretty magical already, right? Just wait.

I can’t exactly remember how, but we met a really wonderful woman who worked at The Four Seasons, with the dolphins.
Best. Job. Ever.
She was around our age, easy to laugh, spiritual, toned and tan. Her connections allowed us to use the facilities and more importantly, go out on a lava rock jetty with the waves just below us, trade winds billowing through our beachy hair…and meditate. It was ridiculously spiritual, just like you imagine it would be.

Does it get more magical than that? You betcha.

While our one friend worked all day on her movie, my other girlfriend and I rented a convertible and decided to explore the island.

Someone had told us about a magical black sand beach at the end of a five-mile hike, so that was the focus of our journey.
We started that day like we did most, bathing in a tranquil cove, where the water was as calm and warm as a bathtub. We spent about an hour floating and soaking the sleep out of our eyes, rinsed off at an outside shower, threw shorts and t-shirts over our bathing suits – and took off. Well, not before stopping at the local gas station/market to fill up, get a diet coke, a Yahoo, a kit kat and a peppermint patty.

You know, key components for creating magic.

I remember following someone’s directions and finally arriving at an unmarked, gravel pull off on the side of the road. Besides a few cars parked nearby, there were no signs of life. Was this the way to the black sand beach? We sure hoped so.
My friend and I decided to head down and take our chances and ask the first person we came across.

The temperature was perfect, with a breeze and lots of shade, so the hike started off easy.
God was a show off that day, as we were surrounded by dense, lush greenery, and every kind of flora and fauna Hawaii had to offer. We started down; admiring, well, everything, until we came to a fork in the dirt path where we stopped, looking around for a sign of some kind, or a clue as to which direction we should go.

I remember this as clearly as if it happened yesterday:
We were in a clearing with a path veering to the left, and another one on the right, wondering which to take, when out of nowhere, a small scruffy dog with tufts of hair all askew appeared.

My friend called him Gremmie since he resembled a gremlin, and he answered to it. He interacted with us for a minute or two, seeming friendly but preoccupied.  Clearly he was on his way somewhere special and we were keeping him. He seemed familiar with the area so we asked Gremmie the way to the beach.

Without hesitation he gave us a look of great conviction, as dogs do, and started down the path to the right – so we followed.

We walked for a long time with him running ahead of us, turning around occasionally to check our progress.
It was evident he was a pro, weaving in and out of vines and narrowing paths, sure-footed, with the confidence of a dog twice his size. Toward the bottom, the path got steep with deep ruts in the cliff side. Little Gremmie seemed to know the way, jumping and traversing obstacles, stopping to make sure we made it to the bottom. I think I saw him give me stink-eye on a particularly tricky part, eyeing my lame “hiking boots” with their worn out soles as I slid on some loose dirt. Seems he had opinions about my poor choice of hiking attire.

All in all, it took us just under two hours to make our way down, but it was worth it because there we were standing on an endless stretch of uninhabited beach.

A beach of black sand.

Gremmie didn’t stop for long. He obviously had an agenda as he ran ahead to a river of fresh water that had cut a swath through the rain forest, down from the mountains, dissecting the beach, making its way to the sea. It must have been raining at the top of the mountain because the water was moving pretty fast and it was too wide to jump across.

My friend and I were assessing the situation, figuring out if we could make it across when we turned to see Gremmie running way up-stream. I mean like where we could barely see him. Then, just like that, he jumped in and swam for all he was worth, traversing the current as it swiftly carried him down river toward us.

Keeping his head bobbing above the water, his legs going a mile a minute, his small, scruffy face a study in concentration, he zoomed past us toward the open ocean.

“Go Gremmie, go!” we screamed over the sound of the crashing waves, “Swim!” and just at what seemed like the last possible second…he made it across.

“Yeah! good boy! Way to go!” He shook off, not even out of breath, and looked across at us, jumping and screaming like crazy women. He looked bemused, head cocked to the side. This was no accident. This dog knew exactly where to enter the water in order to make it across before being swept out to sea.

Standing on the opposite side he barked. “Okay, now it’s your turn” said the dare on his face.

We entered the water about half the distance from where Gremmie started, and I was surprised by the strength of the current. It was determined to make its way to the waves and if you were stupid enough to go in you were going with it. It was about waist-deep, with a current that swept us both off our feet, so we swam like hell, carried downstream toward the sea. After several harrowing minutes, we both made it across where we flopped down on the coarse black sand, laughing and gulping in giant lungsful of the warm, thick, humid air.

Gremmie looked on exasperated. “Come on! There’s more! and he took off running. We just wanted to take in the grandeur of this incredible place so we sat down, watching him turn into a tiny, scruffy, speck in the distance.

After a few minutes of listening to the roaring waves, looking out at the whitecaps, I turned back toward the hillside in the direction we’d just come. “That’s going to be a hell of an uphill hike” I laughed, but it wasn’t funny.
The thought of it was killing my black sand buzz.

My friend was ignoring me. “Wouldn’t it be awesome if dolphins started jumping, right out there?”  she mused, pointing straight ahead toward the open ocean. Before I could reply the sea started boiling as a pod of dolphins began leaping out of the air one after the other, right in front of us!
We jumped to our feet, screaming!

“What the hell?”, “Oh my God!” We were literally dancing as they jumped and played.

“Wish for something else!” I yelled. “This place is frickin’ magic! Wish for a man! A handsome man! “

But my friend wasn’t going to waste a wish on such nonsense.

“I’ve heard there are wild horses all over this island. Wouldn’t it be great to see one?”
We started looking around. I half expected a Unicorn to go prancing by, when I noticed my friend was walking behind us, into the rainforest type greenery that met the sand at the bottom of the cliffs rising above us into the clouds.

She seemed to be walking with purpose, so I followed her into the cool shade of vine-covered trees, ferns, and tall grass. I can’t tell you how long we were there, fifteen minutes, half an hour? I was just enjoying the pleasant change in temperature, when my friend stopped, grabbed my arm, stooped down low, and whispered – you guessed it – “horse!”

Not fifteen feet away was a wild horse, I kid you not. It let my friend approach it and pet it. I’m not kidding. The whole scene was surreal, like something from a movie. When the magic horse finally decided to leave, we were downright giddy as we made our way back onto the black sand.

“What is this place?”

We laid on our backs laughing, looking up at the crystal blue sky. Just so you know, there is NO sky as blue as a Hawaiian sky.

After about an hour, I was starting to feel a little light-headed, and my friend had developed a splitting headache. It soon became evident she was in no condition for the hike back up the hill.

Shit. What to do?

I could see Gremmie in the distance running back our way, but unless I could strap my friend to his back, or he could run and get assistance, like Lassie, he was going to be of little help.

We were in full brainstorming mode, when I started to hear the rumble of an engine over the sound of the waves. It seemed to be coming from the hill we’d hiked down earlier that day.

And just like something out of Indiana Jones, a beat up pickup truck broke through the trees, splashed across the freshwater river, and came straight for us. My friend could barely stand up, so I talked to the guy who happened to be a very nice, local mountain hippie. Think Matthew McConaughey in his naked bongo playing days.

And maybe just the best miracle of the day.

I explained our situation, and he agreed to give us a lift back up the hill to our car.
My friend laid down in the flatbed, while Gremmie and I kept her company. The guy explained that Gremmie didn’t belong to anyone really, he was just a local dog that everyone looked after. That explained his devil-may-care attitude.

The ride was rough but it was a blessing, delivering us to our car in under 20 minutes compared to the several hour hike in the heat, uphill, that would have most certainly killed us.

Hey, my friend was sick and I was hungry!

We still marvel, to this day, about all the magic on that beach.

Did that really happen? 

I wonder about Gremmie sometimes. That scrappy little guy. He’s gotta be about 150 yrs old by now.

Is he still guiding unsuspecting seekers down that hill on a magical mystery tour to those sands of black? What do you think?

Xox

*yep, that’s me on that beach, right after the hike down the hill, feeling exuberant, and I think denim, overall shorts need to make a come-back! HA!

The other day my sweet, beautiful friend was mourning the death of her perfect FICO score.

She had been like a lot of us. She had done everything right. She watched her debt, bought her own house, payed her bills on time, even paying most of the balances in full every month – then disaster struck.

No, not the Great Recession, although I read an article in 2010 that said something like 80% of our FICO scores took a hit. (Gasp)
Nope.
She decided she’d had enough of her soul sucking job. She pried the fingers of the corporate world from around her neck and made a break for it. It was never her intention for her finances to be less than stellar, but sometimes shit gets real, and now, several years later, after the dust has settled, her FICO score sucks.

I have another friend whose ex-husband drove their relationship and her pristine FICO score off a cliff and into bankruptcy. She’s worked really hard to build it back up and overcome the shame of it.

There is a lot of shame attached, like a scarlet number is etched on your forehead.

This pissed me off! These are both incredible women. These are not bad check writing, run-up-the-credit-cards-on-late-night-internet-binge-shopping, kind of girls. And I know about twenty more.

Guess what ladies. YOU ARE NOT YOUR FICO SCORE.

Sometimes when you embark on a new life things get trashed, thrown into the chipper. Divorce, layoffs, mortgage under water, illness.
One of the things that can get caught in the collateral damage besides your pride, may be your FICO score.

People, it’s okay. Your score may have taken a beating, but hey, you’re still a good person.

I remember being so proud after I met my husband and we transferred my house into both of our names. The banker came out flushed and grinning ear to ear, looking like he’d just had illicit sex, (because to those banker types, FICO scores are a BIG turn on) anyway…he announced that our scores were in the high 700’s – one number apart. He refused to tell us which person had the higher score, which was smart and proved that the blood was returning to his brain.
I’m sure he could sense that we were competitive.
Listen, I just assumed it was my husband since he is methodical, thrifty, and exhibits self control – and he assumed it was me – for no good reason other than he loves me.
That’s why this marriage works.

So…you can imagine my colossal dismay when after doing everything right, for so many years, after my store closed – my FICO score plummeted.

Debt ratio, plain and simple.

Some poor slob at Chase, mentioned the number once when I was feeling particularly vulnerable (otherwise known as 2010-11), and I screamed and went into the ugly cry. My response was so over the top they checked to see if it was a mistake. Then, after they could see that it was not, they stood far away from me, nervously twisting the piece of paper. Where minutes before their eyes were filled with judgement, now they were looking at me with eyes full of pity.

“So my life took a U-Turn! Don’t look at me like that – bitch!”
I AM NOT MY FICO SCORE!

And neither are you.

These fucking numbers keep us enslaved in a world of potential disapproval, like a judgmental parent.

“Oh, don’t leave that job it might lower your FICO score.”

“Geez, your funding that business on your credit cards? Isn’t that going to ruin your FICO score?”

“Shit, your house Is upside down, what did that do to your FICO score?”

Hey, I’m not advocating ruining your credit with nasty, irresponsible deeds. I’m just sayin’ to those of us that were uber-responsible:

Investing your definition of yourself in something so unforgiving is emotional suicide,

AND…
I think it’s a racket.

I for one was a slave to mine. I stayed too long in a job I should have left, I hesitated accruing debt in my business when the recession hit, (the people I know that did are still standing) and then, in the end, after being such a good girl, the very thing I feared the most – happened.
I got slammed, owing everyone in the world money.

I went to the bank. I pled my case. I pay all the minimums.
Too bad – tough luck – bye, bye…

FICO is like a toxic relationship. We give it our money, our attention, our loyalty and it doesn’t return the favor.

It issues us a number that defines us, like a teacher on report card day.

It’s been almost seven years, which is when you are issued your Get Out Of Jail Free card.

But I’m already free and so are many others like me.
Truth be told, I don’t look at it anymore, I haven’t for years.
I decided that with the limited amount of fucks to give that I still have left, (thank you Mark Manson, you can check out his essay on The Observer’s Voice Facebook page) I shouldn’t waste giving a fuck about this kind of stuff anymore.

Nope, we are not our FICO scores.

What a relief.

xox

And somedays they all come out to play…and that day is otherwise known as Monday.

Carry on.
Xox