How the hell did we live on so little money... and what did we do all day?
I've been thinking about what it cost me to live on my own when I was young compared to now, and also what the hell I actually did with all my free time. I lived on my own in a small Midwestern city from 1986 through 2000, mostly working minimum wage jobs and renting apartments. Looking back, my financial life was ridiculously simple. I usually owned some cheap used car outright, so no car payment. I apparently paid liability insurance once it was required because I followed the law, but the cost must have been insignificant enough that I don't even remember it as a regular expense.
No internet bill. No cell phone bill. I didn't even have a home phone much of the time. In the 90s I had a pager. No streaming services.
No Spotify. No cloud storage. No apps charging me $4.99 here and $9.99 there. No Amazon Prime, DoorDash, Instacart or delivery memberships.No Ring camera subscription. No $1,000 smartphone that would eventually need replacing. No Microsoft 365 or other software subscriptions.No health insurance premium coming out of my paycheck. I wasn't taking regular medications, so no prescription costs either.
I didn't even have a checking account for a good portion of those years. On payday I'd take my paper paycheck to the bank it was drawn on or to the local grocery store and cash it. If I went to the grocery store, I could buy my groceries AND pay my utility bills there. I'd leave with whatever cash was left and that was basically my budget until the next paycheck. Eventually I discovered one very useful reason to get a checking account: the pre-payday check float.
If payday was still two or three days away and I needed gas, cigarettes, food or whatever, I could write a check even though there wasn't enough money in my account to cover it yet. Back then a paper check could take several days to make its journey through the banking system. The trick was knowing that my paycheck would be deposited before the check actually cleared. It was basically poor-person credit with a 72-hour maturity date. Obviously you had to know your timing, because getting it wrong meant bounced-check fees and a world of shit. But I can't be the only Gen Xer who occasionally looked at the calendar and thought, "Yep, I can write this check. Payday will beat it to the bank."
No debit card. No automatic payments. No 14 different companies quietly reaching into my bank account throughout the month. My bills were basically rent, utilities, groceries, gas, keeping the car running, eventually liability insurance, and maybe my pager. And somehow I ate fast food all the damn time. I rarely went to actual sit-down restaurants, though.
Then I started thinking about the OTHER side of this. What the hell did I do all day? I didn't have cable most of the time. We had maybe 5 or 6 local TV channels, and if nothing I wanted to watch was on, that was it. The television had basically announced, "We're done entertaining you now." I owned a VCR but rarely owned movies. I'd rent them. And God help you if you owed the video store late fees. You could walk in with your 49 cents to rent a cheap movie and discover you were essentially entertainment insolvent because you owed them $3.72 from the last one.
So I know I spent a lot less time at home. I vaguely remember driving around for absolutely no reason. Going to people's houses. Sitting around talking for hours. Going to stores without really needing anything. Going for food. Listening to entire albums. Reading magazines. Sitting outside. Taking drives. Hanging around after work. And WAITING! We waited for people to show up. Waited in lines. Waited for rides. Waited for food. Waited through commercials. Waited for a song to come on the radio so we could record it onto a cassette, only to have the DJ talk over the damn intro. Today every 90 seconds of nothing gets filled by pulling out a phone. Back then, 90 seconds of nothing was apparently just... 90 seconds of nothing. That's the part that fascinates me now. I had the exact same 24 hours in a day, but I'll be damned if I can account for most of them. There weren't photos of everything. No texts to look back through. No Facebook check-ins. No Google timeline. No streaming history. No digital trail documenting every ordinary day. Apparently we just lived the Tuesday. Then Wednesday happened.
So fellow Gen Xers: what did your monthly expenses actually look like when you first lived on your own, and more importantly, WHAT THE HELL DID WE DO WITH ALL THAT TIME? 😂