Archive for February, 2011

February 28, 2011

Spending Challenge: February Ends, March Begins

Wi$e-Guy  Money Roll

“Wi$e- Guy Money Roll” by Gnerk on Flickr

Holy Monday! I woke up today tired to the middles of my bones. I really could’ve used one more day off with nothing to do but relax. Oh well. Being in the office brings its own set of perks so I won’t try and dwell on it much. I tried drinking some coffee but it’s so yucky here I only managed to swallow down half a cup. It was a hectic, trying weekend with a birthday party on Saturday that was lots of fun, a BBQ at my parents’ house that was delicious, two days in a row with no naps, MutantDaughter with an ear infection that is clearing and MutantEldest seemingly coming down with his own “thing” even though I told him he’d better not even think about getting sick and he’d better have a serious talk with his throat and tell it to knock it off with the whole hurting every time he swallows thing. I also worked my booty off in the play room all weekend (forgot before pictures), hauling three bags of toys to my grandmother’s house (her best friend lives in a very poor part of town and likes to give the kids in her complex toys because the other families look after her) and setting one more aside for the Vietnam Veterans. It’s looking much better but I still have work to do. The kids like it though and that’s a good thing. Just have to teach them where to find their toys and to put them back when they’re done (repeat to infinity).

I was also fighting with a wave of gloom that just wouldn’t leave me alone, always sort of lurking right beneath the surface. It drives me crazy when I get like this and can’t shake it off. It is this complete feeling of resignation in a way and it can get overwhelming. Basically, I get so exhausted and frustrated and have no one to really share my troubles with (difference between this and burdening someone else) and I just feel like this is it, this is my life, and it’s freaking hard, but it’s not going to change—not any time soon, not in any real way. Everything under my roof, good and bad, relies on me and no one else. One person responsible for four lives. And like I’ve mentioned many times, I have an excellent support system in my family. Don’t get me wrong. MutantWino is the one who pays for MutantEldest to go to Karate and keeps him motivated (he goes too so they share this amazing thing together). MutantPirate has come to my rescue with one child or another’s pick-up or drop-off more times than I can count. And there are my MutantAbuelas—one who cares for my kids when they’re sick so I can go to work, cooks an occasional meal for us, and pays the lawn guy (she refuses to let me take over this even though I bring it up constantly. I’m never home when they go since it’s on a weekday and she’s basically told them to never ever bill me). My other grandmother drops in every once in a while with some snack or small meal she bought somewhere. She also slips me a ten or twenty every once in a while “to help out”. And of course, there are my parents. If it wasn’t for them and their own modest financial security, I honestly have no idea what my life would be like.  

But there’s a big difference in having support and having a team. I don’t know if this makes sense to you, but it’s the best way to describe it. I think of it like a basketball team. First of all, right off the bat, I’m short one player and it’s likely that fifth player spot will never be filled. Second of all, three of the four remaining players are rookies and so green they can often be more than a handicap than contributors. So that leaves one player in a game that requires five. And even if that player is a star player, a star player can only play at top quality for so long. Of course as my fellow teammates get older and stronger, they’ll be bigger and better contributors. But, the fact remains I’ll always remain one man short and the co-captain slot will always be empty. Of course, no co-captain is better than a harmful co-captain but it’s still a gloomy predicament either way and sometimes, like this weekend, it all gets to be a bit too much and I’m prone to headaches, lots of sleep, and small, sudden weeps I manage to hide from the kids with expert skill.

But, I know what you really want to know is—how’d my month go? Today is technically the last day of February but I get paid once a month on the last day of the month and that is my first day of my fiscal month. So, my February is over financially speaking and I ended with about $5 left in my spending budget. I counted all of the money I have in cash, and all of the money I have in my ING checking, and all of the money I have in my credit union checking and I have managed to accumulate…

$876.34!

This is actually $31.51 more than my calculations predicted I would have so I must’ve missed some sort of income by accident or incorrectly entered an expense or something like that. Either way, I have almost $900 to start March with! This is super duper exciting for me, you have no idea. I haven’t heard from Ex yet about what to expect income-wise this month so I still don’t know if I’ll have to borrow from my parents again this month or if I’ll actually be able to begin paying them back. I’m of course hoping for the latter because the former totally sucks. So on that note, I’m going to go ahead and give myself $650 for a spending budget this month as I’d originally planned for February but will scale back to $500 again if Ex falls below the amount I need. If the amount is even lower than I would need after scaling back, I’ll have to go to my parents again. It’s all about buffers, baby. Budgets make buffers.

Every month I try and figure out what the big challenges could be for me, financially, in the coming month. This month, I think it’s going to be food. I’ve pretty much used up all of the meat that was in my freezer with the exception of the pork that’s currently in my crock pot and a couple of grouper filets. I also did a pretty good job of raiding the pantry, freezer, and fridge so it’s definitely time to stock up on food in general. I’m completely out of milk, eggs,  juice, tortillas, fruits and fresh veggies, and the aforementioned meats (also, ice cream but we all know where that lands on the whole need/want spectrum). I’m down to the last scrapes of coffee, bread, sugar, and rice. I still have lots of frozen veggies, pasta, beans, shredded cheese, tuna, ham, peanut butter, jelly, and canned tomatoes. SouthernSavers and coupons, prepare yourselves! The other worrier for me is Gas. Prices have skyrocketed and even though the least expensive gas station in the entire city is around the corner from my house, it’s at $3.38 a gallon and that was yesterday. Who knows where it’s at today? I am on Empty of course and have to fill up tonight.  Last month, I put gas in twice—the first was a fill up and lasted 15 days. The second was a bit over half and lasted 8 days. We’ll see how it all unfolds one way or another. I feel like there’s dramatic music in the background and someone saying “These are the days of our lives…”

In crafty news, the hooks are sleeping and I’m still tracking yarn costs. The prices have been pretty steady with no major sale the past few weeks I’ve been tracking which means a really good sale must be right around the corner right? I’m really hoping to find a Buy One Get One Free deal on Red Heart Super Saver or Caron Simply Soft. Those are the most affordable options and I know the material’s not the most luxurious thing in the world but my Mom made it clear she wants this thing for heavy duty wear.

Lastly, in book news: I am still hacking through The Passage. So far, I love/hate it. It’s one tragedy after another but it’s crazy and cool too. It’s LONG as hell (766 pages) and I’m just itching to know if humans stand a chance or what because it looks pretty horrible right now (page 501). It’s also not helping my super gloomy mood with all of this death and destruction and humans acting crazy. It’s sort of depressing in an inevitable apocalyptic sort of way kind of like my love life. The Lonely Polygamist is waiting in the wings and I’m kind of extra excited to read Outlander after Molly mentioned it’s super spicy in the comments. Oooh a sexy book? I haven’t read anything sexy in ages! AND I just found out I won a book on Goodreads! How exciting is that? I won something! And it’s a book! There’s also Soulless which I’m really intrigued by and can’t wait to read it. MutantEldest finished The Lost Hero this weekend and started on The Red Pyramid so there’s that to read too. Too many books? Never! By the way, what say you? Should I actually give myself a new reading goal this year or do I just keep going and see how many I can take down this year?

February 25, 2011

8/52: FO Friday + Babbling

I don’t know if I can channel how emphatically I’m thinking this but just know it’s really, really heartfelt when I say, “Thank the sweet eight pounds six ounce baby Jesus it is Friday.” I don’t know even know why really but I feel like I’ve been put through the wringer this week and I’m just done. It was so hard to pull myself from bed and get into the office today, not because I don’t like my job because I do—a lot actually, but because I’m just worn the heck out. MutantDaughter spent the entire day sleeping yesterday. And when I say that, I’m completely serious. I think she was awake maybe 2, 3 hours max all day yesterday. She got a fever in the afternoon and her left ear started leaking this brownish clearish pinkish stuff that dries into a sticky crusty disaster. This with the complete and total sleepiness which is not anything like her at all freaked me out a bit and I called the doctor. I had a prescription for some ear drops from the previous battle with this same exact ear and same exact situation and they told me fill it, start it, and have her come in tomorrow. I’d already anticipated a need for the doctor earlier that day and begged Ex to please schedule and take her and he agreed (Shock! Awe!) so I went and spent over an hour in Walgreen’s. This is not good for the pocket book and I admit I did some stress-related shopping on top of the only item needed—Q-tips. I spent $13.90 so I’ve got $10 to go on my Spending Challenge and that should work fine for some milk and eggs. Doctor says it looks like a middle ear infection and the ear drum opened up and is spewing everything out. Delicious. Just have to keep doing what I’m doing and it’ll clear up soon.

I’m really hesitant to start guesstimating because it feels like I’m taunting fate, but it looks like I might have managed to accumulate about a $700 rollover. I’ll have a concrete number on Monday when I get paid and the new month begins and will announce it with much pomp and circumstance. I’m trying to figure out a budget for next month’s non-bill expenses and my first attempt was almost twice what I’d spent this month so that got scrapped. By the way, every month I do this and every month I think I’m budgeting conservatively and then add it up and oops! Just goes to show you, we really underestimate financial numbers. After reworking it a couple of times, I’m down to about what I’d initially planned as a budget for February– $650. I’d like to try this number out and see how it does. This month has been ok overall and has made me feel a bit better about maybe making $650 a regular number. It is, after all, a 30% increase and I was able to manage ok with the $500. It does make shopping a much more carefully executed sort of thing in that I have to do thinks like consider all kinds of things that could possibly come up in a month that would require some sort of cash. But, I guess that’s the point. It’s supposed to be like that instead of some mindless activity. This is conscious spending, Mutant. It’s not more work than impulsive spending, it’s different work. But, that’s the Expenses side of my life.

On the Income side, Ex is moving into his parents’ home this weekend so he doesn’t have to pay rent which may bode well for me. I’m trying to see if maybe he’ll give me a guess as to how much and when he’ll pay me so I can then underestimate it by about 20% and plan for that. Maybe I seem cynical or whatnot but this is the kind of guy who got out of his lease by lying about getting a job in New York. The reality is on March 1, he’ll owe me well over $3,000 and yeah, if I’m ever going to get my life on solid ground, I need that money and for him to pay me consistently. He did tell me the salary at the new job is at least twice what he’s got now plus commission so he should be steadier in that sense, especially when the garnishment goes into effect, but he doesn’t have a start date yet and I don’t have a court date. There is a light at the end of the tunnel, sometimes it just flickers or grows really dim threatening to disappear completely.

I’m working on The Passage. It’s Creepy (capital C intended). And it’s got lots of yucky bits which I find fun and hard to read at the same time. At first, the book was sort of driving me crazy because I swear to you he throws like one hundred characters at you in under fifty pages. Characters are always hard for me to manage in my brain, I have no idea why. I considered writing notes but figured I’d probably just lose the paper anyways and besides it’ll settle to just a few eventually and it has so that’s nice except that it’s all done quite tragically and horribly so that’s not nice but hey, it’s fiction and fun at that. The library has Red Pyramid ready for Eldest and an organizing book, a crochet book, and The Lonely Polygamist ready for me. Not to mention nice crispy brand new copies of Outlander and Soulless and PostSecret are waiting for me in my bookshelves. Oh yes, books and books and books galore.

My kitchen remains clean, my dining table remains clear. I almost screwed it all up last night being so exhausted from the day but I ripped myself a new one about how I’ve done this too many times to know better and that I know exactly what’ll happen if I let things slide just one night. It’s never just one night, don’t kid yourself. And that was that. I got to work and cleared everything away in about twenty minutes before collapsing exhausted in my bed. Tonight shall be Frozen Box Pizza Night so I won’t have to worry about dirtying the kitchen at least. I’ll likely stop at the library for some kiddo movies. Tomorrow there’s the birthday party. It should be a nice weekend. I’m going to finish sorting out the rest of what’s going back into the hall closet though I’m pretty sure I’ve cleared away almost everything that’s getting cleared.

By the way, I was thinking about creating a concrete Chores Plan for the kids. The two this would apply to are the 7 and 4 year old. What I was thinking of was basic chores that they are required to do because they’re part of the team and we all have responsibilities. But, I thought it might be a good idea to add a couple of things they could do to earn money. They both get a small allowance ($4 for Eldest, $1 for Daughter) and I was thinking this might allow them to supplement their earnings. The tasks would be small and the reward would be a quarter each I’m thinking. Ideas on age-appropriate things they can do? Right now, they’re responsible for making their beds in the morning, cleaning their plates and place mats after dinner, hanging their towels, putting away their folded laundry, and putting their dirty clothes in the hamper. Things I was thinking of as additional include watering the plants, feeding the fish, emptying the bathroom trash can, help putting away Baby’s folded laundry, sweeping piles into the dust pan and trash, emptying the dishwasher of the kid stuff, wiping their bathroom counter (so gross with the neon toothpaste), and…

I’m trying to think of something for the toys but I think that might only become clear when March is over and the playroom is organized. Any other ideas? What kind of child labor do you have going in your house?

I’m going to kill two birds with one stone and use my FO Friday picture as my weekly photo set. Some might call it cheating, but crocheting IS a part of my life so I think it counts. Otherwise, you’d get a boring picture of a bird on a car.

An ancient friend of mine’s little brother had a baby last week so I made her something. It’s kind of a big deal when the baby siblings have kids, I think. I haven’t had that experience yet but I’m pretty sure it’ll be really moving and sort of crazy if/when that happens with MutantWino and/or MutantPirate, my younger brothers. I think that’ll just make me feel really old. Anyways, the hat and booties were pretty simple to whip up but I’m a perfectionist and each one took two attempts. They’re from the book Crochet from the Heart and I think I may add this to the Wish List of books to own (borrowing it from library right now) because it’s full of very solid basic patterns that are insanely easy to modify, customize, etc to your liking. I think this type of thing is the best way to really learn crochet and so far I’m much more pleased with the book than I’d anticipated. These are my favorite kinds of books, the ones that at first glance you dismiss but then they surprise you again and again.

February 24, 2011

Quick, Happy, Spending Challenge Update

jackpot

“Jackpot” by @Alex on Flickr

I got my Amazon disbursement today for a few things I sold– $65!! Instead of allowing this to supplement my budget, I’m only allowing myself to remove the shipping costs from my money spent this month since this more than covers it and I’ll add the rest of it to my rollover amount to help cushion any income issues with Ex. I added the $5.62 I spent yesterday at CVS stocking up on my beloved Purex 3-in-1 (6 boxes, 120 COMPLETE loads no additional fabric softener or dryer sheets needed) and I have $24 left for the month! This means now I can buy milk, eggs, and pancake syrup all of which we’re out of and all of which we consume heavily during weekends :) I’m so happy!!

I have to go to my other office now so I don’t know if I’ll be able to update again but I’m just so excited about this tiny development I had to share!

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