Nickel And Dimed: On (Not) Getting By In America

A parent in my son's preschool group chat tagged me out of nowhere. "Theo's dad, your son's lunches always look pretty nice. Starting tomorrow, pack one for my daughter too." "I'm not asking for free food. I'll give you ten dollars a day. That adds up. You can make a little extra on the side." I stared at the message, almost laughing from how absurd it was. My son has severe food sensitivities and a fragile stomach. Every ingredient in his meals is specially sourced, and a single lunch costs far more than five hundred dollars to prepare. And this man thought ten dollars could buy it? I replied with two words: "Not happening." The next day, my son came home crying. His lunch had been taken by another child, and the teacher had scolded him for being selfish. Fine. Since they wanted to push this far, I would show them exactly how far I could go.

My mom is a woman who takes frugality very, very seriously. When I suffer from a high fever, she feeds me moldy chicken noodle soup. In fact, I can only wear my older sister's hand-me-downs since I was a little girl. After working hard for so long, I finally qualify for the final interview of a top-500 company. I keep telling my mom repeatedly to not cause any trouble for me. Alas, my monitor winks out when I've reached the most critical point of my interview. At the same time, the router has lost access to the internet. I rush out of my room hurriedly, only to see my mom flipping off the main switch in the darkness. "Why did you leave the lights on at night? Imagine how much money you'll have to pay! I've already calculated everything for you. If we turn off the lights, we get to save a few pennies per night!" Thanks to those pennies, I end up losing my job that can guarantee an annual salary of a million dollars. Later on, my older sister, Andrea Fletcher, is diagnosed with a kidney disease. In order to latch onto Andrea's rich husband, Kirk Herrera, my mom forces me to work overtime at a shady factory just to gather enough money for Andrea's medical bills. Even when I'm about to die, my older brother, Anthony Fletcher, and my dad keep blaming me. "You can't even get hired at a proper factory! You really are useless, Alice! Your mom went through all those frugal nonsense just to raise you for nothing!" When I open my eyes again, I've returned to the day I'm about to attend the online interview. I just chuckle coldly as I look at Andrea, who has just found out about her kidney disease and is waiting for me to earn enough money for her kidney transplant. Then, I toss her expensive, specialized medication into the trash can. "What use is there for you to take the medicine, Andrea? What a waste! Mom already stated many times that being frugal is the way of life! "You should drink more water instead. Once your rich husband finds out how good you are at saving money, he'll definitely compliment us for knowing how to balance our finances!"

When I was at my absolute poorest, I got sucked into some kind of survival game. The challenge was to survive 7 days on just 50 dollars, and the winner would walk away with a million dollars. As someone who might as well be certified as a professional at being broke, I knew exactly how to survive on next to nothing. That prize money had my name written all over it.

I was the stingiest rich wife in the city’s high society. I did not spend money on beauty treatments or travel. In fact, I did not even own a single decent outfit or a handbag. Everyone laughed at me. They said I had the fortune of a wealthy family but not the luck to enjoy it. However, what they did not know was that behind closed doors, Arvid Hans, who was famous for his lavish spending, was a hundred times stingier than I was. He piled on gold and jewels to keep up appearances in public. However, with me, he was a miser, refusing to spend a single extra penny. We split every expense down to the last penny. Every meal and every prescription required a receipt and an entry in the ledger. He said this was to help me develop a business mindset. He said that fairness and caution were the keys to a lasting relationship. While other wives were decked out in expensive jewelry, I was dressed simply. He said I was naturally beautiful and did not need such trinkets to enhance my looks. Even our housekeeper was hoarding gold for investment. Yet he kept me from touching a single penny, citing the Hans family’s tradition of being frugal. For three years of marriage, I lived like a devout nun, strictly adhering to the “rules of frugality” he had tailored for me. It was not until Christmas Eve, when I returned a day early from visiting my parents, that I discovered someone else had been living the life of luxury meant for me.

The new colleague at my company is a stingy mother. On her first day, she shows up with a huge pile of expired snacks that her son refused to eat and hands them out to everyone. Once we're done, she pulls out her PayPal and says, "These are all imported snacks for my son. I'll need 50 dollars from each of you." During a company team-building event, she refuses to participate, saying she has to go home to take care of her child. The day after, she comes over holding her phone and asks me for money. "I didn't eat with everyone yesterday. Since the company is footing the bill, just hand me the cash equivalent for my meal." Furious, I rejected her request immediately. What I fail to realize is that she would bear a grudge against me over it. One night, her son comes down with a high fever, so she calls me and requests a ride to the hospital using the company car. Once again, I refuse without a second thought. Because of the delay, her son suffers severe cognitive damage. She blames me for everything that happened. In a fit of rage, she ends up running me over with her car. As I open my eyes again, I find myself transported to her first day on the job.

On the night of New Year's Eve, I wake up in a hospital ward with an IV drip connected to the back of my hand. A nurse passes me the hospital bill. "It's 300 dollars in total, including the emergency treatment fee and the cost for a bottle of glucose drips." When I turn on my phone, I feel my heart sinking. I only have 29.01 dollars left in my bank account. The wallpaper of my phone is a countdown of my family contract's app. Today is the date when I have to renew my family contract for the year. In order to accumulate enough money to go home, I've been working as a staff member in concert venues. Earlier, I had collapsed backstage, so I was quickly sent to the hospital. The dial tone keeps beeping for a long time. Finally, my mom answers my call in what seems to be a noisy background. "Mom, I'm at the hospital right now. I need 300 dollars to pay the hospital bill." "You're at the hospital?" Mom's voice turns shrill immediately. "Why did you visit the hospital during the holidays? You really are a jinx!" "I fainted earlier. I was working at a concert venue—" "What? So, you refused to do chores at home during the holidays! Instead, you decide to work at a concert venue?" Mom interrupts immediately. "I don't have 300 dollars on me! You'd better come up with a way to pay that bill of yours!" "Mom…" My hand tightens around my phone. "Today is the last day of my family contract's renewal period. I'll renew the contract once I pay the bill." "Renew the contract, huh?" Mom just sneers at me. "That's a part of your duties! How dare you use it against me! Helena Lambert, if you don't renew the contract today, you can forget about calling me 'Mom'!" After that, she ends the call. I can only grip my phone to the point that my fingers turn white. After that, I tap on a social media app in hopes that I can borrow money from my friends, only to see the latest post on the social media feed. My younger sister, Hannah Lambert, has posted a photo collage there. "I'm here with my parents to watch my favorite singer's concert! Snagging tickets to the first-row seats is definitely worth it!" The background of those photos is the same concert venue where I work part-time at. It's the most expensive venue in town. Apparently, tickets cost 2,900 dollars each.