The Good Things that Come from Added Financial Support (By: Michele Babcock-Nice)

Money

Money (Retrieved from blogs.kqed.org, January 16, 2016)

This week, there were three lottery tickets that were sold with winning numbers for the lottery jackpot of $1.6 billion.  Just hearing about the extremely high jackpot was incredible to me, not to mention more incredible that the winners of the three winning tickets will be splitting those monies between them.  That kind of money is simply that which I am unable to fathom.  I mean, what does one do with 100s of millions of dollars?  Certainly, it is nice to have money.  More than just enough to live on, with a bit of a cushion or buffer, is always good.  But, being the winner of a lottery jackpot requires a lifestyle change that is likely a difficult adjustment for some.

Believing myself to be a person who is not very “lucky,” I am not a gambler.  There are definitely certain calculated risks that I have taken in my life, I have invested in the stock market in the past, and I have earned some money on some investments, however I am not one to play the lottery.  In fact, I think I may have played the lottery only once.  That was in a similar situation in the past few years when the jackpot was insanely high.  I really just played it for the fun of it, and bought only one ticket.  The odds of ever being the winner just never pan out in those types of situations anyway.  Why put money out there if there will be no return on it?  And I already know that I am generally not a person who is “lucky,” so why waste my money.  That’s my philosophy.

I am a person, however, who will apply for scholarships, grants, fellowships, and monetary awards.  In the past, I have applied for several of them, and have received them. Most recently, between six to seven years ago when I was earning my healthcare certificate at a local technical college, I received the Hope Grant which helped finance my studies.  I am thankful to all of the taxpayers out there in Georgia who supported my education in healthcare.  I believe the grant I received was about $750 per semester for three semesters. That was really helpful!

More recently, in the past three years, I have applied for several scholarships and a grant to support my studies in counseling.  Unfortunately, while I have been eligible to receive them, I have not been selected to get any of them.  I applied for merit and academic scholarships at my university, and would likely be among the top candidates for receipt of them, however none have been awarded to me.  Within the past two months, I applied for a $5,000 grant in the counseling field through a national counseling organization, and was not selected for that either.  More recent than that, I wrote an essay for yet another national counseling organization in application for another scholarship, and am waiting to hear back – probably that I was not selected to receive it.

Certainly, I have the writing skills, and I have the knowledge, commitment, and dedication to always do my best in whatever I do.  However, receiving $500, $1,000, or – can you imagine – $5,000 would really go a long way for me.  I often wonder why it is that those people who sometimes have the greatest financial need are those who are most often overlooked.  I would be happy to provide my tax returns for the past several years to reflect my financial status and to prove my financial need.  This, however, never seems to be good enough.

So, here I am again, back at square one.  I am glad not to have gotten my hopes up about any of those grants or scholarships.  I could have recently applied for a fellowship, as well, but the particular organization that hosted it wanted winners to invest too much out of pocket than I am willing to do.  At any rate, it would have been nice to receive even a small scholarship or financial award rather than financing so much of my education for my second graduate level degree through student loans.  Obtaining the $5,000 grant could have already paid down the interest that has accrued on my student loans.

I cannot say that I did not try.  At least I made the effort to apply for these scholarships and the grant.  Now I know that I would not have received them whether I applied or not, but at least I applied.  One never knows unless you try.  I have gained nothing, but I have lost nothing either.  I am not that discouraged because I did not elevate my hopes for anything, though it would have been nice to receive a small sum to support my efforts toward becoming established in the counseling profession.

 

Being Most Thankful for Family (By: Michele Babcock-Nice)

Happy Thanksgiving! (Retrieved from www.vintag.es, November 27, 2014)

Happy Thanksgiving! (Retrieved from http://www.vintag.es, November 27, 2014)

On Thanksgiving, what I am always most thankful for is my family.  My family is always there for me in thick and thin.  My family has weathered many storms and enjoyed sunny days together; I can count on my family for love, compassion, and support, and I provide the same to them. I don’t have a very large family, nor do I have much money, but I have a big heart, full of lots of love. My love is shared with and among my family, for whom I am most thankful on  Thanksgiving and every day.

Other things for which I am thankful include food, faith, community, freedom, education, technology, career, and health.  I am thankful for food, though it is not easy to get by from month to month with food prices continuing to rise.  I appreciate my faith because, if it was not for that, I would not be where I am today, and things would likely be much worse.  I am grateful for community, such as organizations that provide fellowship, to my family.

I am always thankful for freedom and I remember my grandmother’s stories about when she lived in Communist Poland, with people fearing for their lives when homes were raided in the middle of the night and people were never seen again.  I am grateful for education, though the large debt required to pay for it is a hardship.  I appreciate technology that makes life easier.  And, I am thankful for career in many capacities, including that of being a mother, as well as for the potential of a stable gainful and enjoyable employment in a workplace with decent people, if that is ever attainable.  I am thankful for my good health so I do not have to pay out-of-pocket to see the doctor as a result of being without health insurance.

So often, organizations such as colleges, churches, and charities have fundraising drives to help give to those in need.  When I am asked to donate, I reply that I could benefit from some assistance, myself.  As a poor single white mother, so often such places overlook people such as myself, as has occurred again this year.  People in my shoes are reduced to begging for even a little bit in return.  People may maintain the perspective that whites have privilege and that is definitely a stereotype that hurts poor white single mothers such as myself because the majority of any aid, as I observe, goes to people of other races.

I am also thankful for the holes in some of my shabby clothes and worn-out shoes, the place that I live even though it is not my own, the student loans that provide opportunity, my nearly decade-old vehicle that is still in great shape, and that sacrifices that I am able to make for the benefit of my family.  I am thankful for the $15 haircut that I get every two months instead of going to a salon and spending loads of money, and the $3 bottle of fingernail polish that I can use for a manicure or pedicure instead of going someplace to have it done for me.  I am grateful for the free lunch that I eat twice each week at my apprenticeship, and for the store closing sale at the local KMart where I can save a few dollars on Christmas gifts for my son.  I am thankful for what little I have because more is always spent than saved.

These are additional reasons why I am thankful for my family, particularly at Thanksgiving.  Every so often, there is that rare person who comes along who might be caring and/or supportive, but with my family, I know they will always be there, in good and in bad, in sickness and in health, for richer or for poorer.  People should be more important than money and possessions, and indeed, my family is most important to me.

So, on this Thanksgiving, I invite you to think about family, values, and people in need.  Think about and be thankful for people who are close to you.  Think about people whom you see at work or in church every week who have little or nothing, and who are usually overlooked in their need.  Take action on what you can do rather than what you cannot.  Open your heart and mind to see what you do not want to see, and take action for what you otherwise would not have done.   A little bit goes a long way, especially for folks who don’t have much.

Happy Thanksgiving!  Remember what you are thankful for!

[Author’s Note: Within one day of posting this article, I was solicited by a man on LinkedIn, out-of-state, to contact him by whatever means necessary.  People really need to get their heads out of the gutter, and be open to simply being helpful to those in need without being offensive and/or wanting something (inappropriate) in return.  Solicitation is so offensive, degrading, and dehumanizing to me; is nothing that I have ever done; and it is incredible to me that so many men (I’ve experienced this many times on LinkedIn) do it.  It is unfortunate and tragic for humanity that there are those who attempt (and succeed) in taking advantage of people in need in a sexual manner.]