It’s a glorious day and I should be out spreading bat poo in
my gardens in preparation for spring planting. But I’m not. I can’t afford even
a thimbleful of bat poo right now. If I was truly resourceful then I could
rustle up some bats and collect their poo, which is actually called guano. I
wondered where the organic manure companies find guano (I have never seen a bat
in a diaper) so I googled it and learned that guano is found on the walls of caves.
I want to take a moment to express my appreciation for the men and women who
crawl around in caves scraping guano off the walls and bagging it up so I can
put it in my garden. (I hope you guys wear gloves.) Or not, actually, since I
can’t afford to buy guano this year because I have to pay so much in taxes. I
can’t afford food, let alone guano. This year is the first time in 30 years that
my husband and I have no children to declare as dependents on our taxes. Ouch. I
need to borrow a baby.
My accountant tells me that earning more money is a good
thing. I’m not convinced. I think I saw a place on the tax return where you put
how much you earned the previous year on line 142 and how much you earned this
year on line 141 and then you subtract, and the result comes out on a line
labeled “pay this much more to the government this year, sucka.” I’m going to
ask the IRS to apply my taxes this year toward a down payment on the purchase
of Airforce One. I could own Airforce One free and clear in just a few years, I
think. Then I could lease it to the president.
I have no clue how to do my own taxes. My jaw drops every
time I hear someone say, “I’m going to do my taxes this weekend.” Really? And
I’m going to build a space shuttle this weekend. I sometimes wonder if people
who say they do their own taxes are lying to impress me. However, I know for a
fact that my brother really does his own taxes; but he also knows how to build
a space shuttle. I could sooner assemble a Sears swingset with instructions in
Chinese than do my taxes. (I have actually done that, even with the wrong bolts
provided in the package; so maybe I could build a space shuttle if I was
supplied with instructions in Chinese.) I believe that my taxes are unusually
complicated. My taxes have more schedules than the NJ Transit System. Do other
people’s taxes have so many schedules? I couldn’t possibly figure out all the
schedules if I didn’t have a really really really good accountant to guide me
through the maze of numbered lines, itemizations, credits, depreciations,
exemptions, deductibles, inflatables, dirigibles, alternatives, initiatives, value
of seaweed purchased for my nutrition biz, porcupines, life rafts, and Ping-Pong
balls. (In hindsight, I imagine it is not advisable to put porcupines and life
rafts in the same sentence as it could blow up in my face.)
I confess that I have a complicated and emotional
relationship to my finances. My mother had a talent for managing money and she
was my financial adviser until she passed over in 2005. When I lost her, I lost
my fiscal anchor. Since that time, I have engaged in many extraordinarily
creative financial contortions to afford the cost of putting three children
through college. I have bought food on my credit cards (not recommended). I
have transferred credit card balances from one card to another offering a
special 0% rate for one year on balance transfers, and then transferred the money
back when the other card made a 0% offer a year later (very much not recommended).
I have called credit card companies and convinced them to lower my interest
rates. I have called utilities and health care providers and haggled to lower
my bills. This actually works more often than you would imagine. I convinced my
propane gas supplier to give me the same per-gallon promotional rate that the
company offers to brand new customers to entice them to sign up. It’s the
lowest rate available. I have been a customer for 23 years, so shouldn’t they
give me a rate as good as they give a new customer? (I’m pretty convincing, huh?)
You would be amazed how arbitrary medical costs are. I once called the hospital
to haggle over payment for an outpatient procedure and when the account clerk
heard my story she erased the whole fee. She said that fee was for health
insurance providers and since we were required to pay out-of-pocket by our
insurer, she would waive the fee. Go figure.
My accountant assures me that I make good financial decisions.
I call him my financial therapist. He knows that taxes are an emotional
rollercoaster for me, and that I miss my mother terribly whenever I have to
deal with my money situation. Once, when I had a meltdown during a conversation
about my financial situation at tax-time, my accountant said to me, “remain
calm.” I wrote those words on a post-it and put it up above my desk. “Remain
calm” has helped me bumble along for many years. Money is a constant worry for
me and I have to work hard at letting go of that worry so that it doesn’t cause
stress. As a nutritionist, I know that stress has a huge detrimental impact on
our health. I refuse to let stress make me sick. I invented a mental exercise
to help me refrain from obsessing about money. I close my eyes and visualize a
red box. I take the lid off the box and I put all my worries about money into
the box. I put the lid back on. I slide the box onto the top shelf of my closet
and tell myself that I will open it another time and sort everything out. In
truth, there are much more important things in life than money, and I have been
graced with all of them. Leave the taxes on the shelf and pass the gratitude,
right?
Every year I have to remind my children that when they get
tax refund money, it’s because they overpaid, not because the government is
sending them a bonus. Tax refund money is your money, you earned it, and the
government had no business with it in the first place. The best case scenario
is to come out owing or receiving less than 20 bucks. Breaking even. Perfect
calculation. Or, really, the best case scenario would be if the government
would spend the money I pay in taxes on things of which I approve instead of
largely spending it on things for which I don’t wish to foot the bill. I wish
that just once I could designate 100% of my taxes to go to Head Start. I
pretend that’s what I’m paying for when I write the check; otherwise I couldn’t
do it.
I’m attaching a picture of purple delphiniums instead of a
photo of my taxes because I fear the identity thieves lurking on the internet
who would love to get their hands on my taxes. I have a spectacular purple
delphinium blooming on my deck and it takes me out of my head so I don’t think
about the boatload of my hard-earned money going straight to the federal
government. The delphinium demonstrates that I can grow excellent things in my
yard without buying that coveted bat guano. This year I just might put a purple
box on the shelf in my closet instead of a red one. It’s tax season and I’m
remaining calm.