Must Green Parents Be Rich Parents?

Before BabyG was born, MaGreen and I saved a little each month like a good bourgeois couple. Even though we didn’t make huge incomes from our teaching and editing jobs, we were paid decently. We lived in moderation but did not have to count every penny. Right after BabyG was born, the balance of our income and expenses did not change much. I took all of my vacation days and my supervisor allowed me some flexibility. Though it was stressful, MaGreen and I managed to care for BabyG without any substantial extra expense or loss of income. After two months, I had to return to the regular schedule for my full-time, five days per week desk job. And MaGreen had to kick her own studies into highgear. So we started to pay for childcare and we went from saving money to barely breaking even.

According to the 2005 US Census statistics, our income is thoroughly average. We make about 125% of the median family income for a 3-person family in the state of Texas. (In the US, the disparity of wealth is huge. A relatively small number of people make way more money than we do. For this reason, the average income is a lot higher than the median income.) In terms of income, our family is the representative American family. We’re the 21st century Cleavers. So if we are barely breaking even that means families below the median income – half of the families in the US – are probably not barely breaking even. They’re just breaking. Despite the high GDP per capita here, the United Nations Children’s Fund (UNICEF) ranked the US second to last for child well-being among economically developed nations. The US was at the bottom or near it for nearly every category including income poverty, reading levels, aspirations, and child mortality. Check out the full Unicef report (1.5MB pdf).

Unlike a very large percentage of our fellow Americans, I think we have the minimum “capabilities and functionings” to call our lives dignified. Our incomes, education levels, assets, and status allow us to raise BabyG with enough attention that she won’t have a childhood of deprivation. We don’t deprive ourselves either. But I want more than the minimum. I don’t just want to attain the lowest threshold of dignity. I want to spend less time at my desk and more time with BabyG. I want to have an exercise routine. I’d like to write my novel. I’d like to do more community organizing. So I asked my supervisor to get my workload reduced to 75%. Instead of working 40 hours per week on average, I would work 30. And it looks like my request might go through by August. I am very excited. Even though I haven’t even started the new schedule yet, I feel a tremendous sense of relief. The problem is that if I work a 75% schedule, I will make 75% of my previous salary. We will go from slightly above median family income to below the median and from barely breaking even to going into debt.

So I decided its time to count the pennies. We need to cut our monthly expenses by several hundred dollars! I logged into all of our accounts and compiled all the expenses from checks, cash cards, and credit cards. Then I assigned the individual expenses to one of the following categories: childcare, education (tuition and books for MaGreen and me), professional development, rent, miscellaneous (gifts, clothes, toys, etc.), groceries, eating out, telecommunications, transportation, energy, health, cash, bank fees, and entertainment. Finally, I made a table showing monthly totals under each category so I could get a sense of what stays the same and what varies.

Out of our expenses, childcare, education, and rent account for 65% of the total. Those are fixed costs. We can’t change those arrangements without hurting our quality of life and our future. Groceries are a whopping 8% of our expenses. Buying organic vegetables adds up. We thought eating out would be the obvious “culprit,” but even though we go to restaurants two to three times a week that’s only 4% of our expenses. We spend more on our telecommunications (phone line, cell phones, internet connection, and webhosting) than we do on eating out. Since I bicycle to work and MaGreen drives our old Mazda about ten miles per week, our transportation costs are low. And even though we buy our electricity through a windmill company, our utility bills aren’t that high. So it’s not clear to me what we can cut without sacrificing our emerging green lifestyle.

MaGreen went over the numbers and we talked about them over dinner. We decided to eat out less and cook more with cheaper ingredients without giving up on organics. We’re going to look for cheaper telecommunications deals. And we’re hoping that by tracking our expenses more carefully, we can generally rein them in. I’ll post how we’re doing the next time we do the calculations. Wish us well!