Archive for July, 2011

July 29, 2011

July Closure, August Goals

Miniature Roses in a Shot Glass

Today is payday and so ends my fiscal month of July. I’m honestly very relieved. My income hasn’t been this low since November 2010 and even then I managed to pull in a couple hundred bucks more than this month. But I survived and didn’t borrow a dime to do it so that’s a win in my life.

As August comes around the corner, here are the things I’m looking at.

Financial

Eldest’s party is coming together with a pretty large group (15 – 20 kids alone) which isn’t surprising. I am aiming to keep the cost of the party and the gifts under $400, if not $350. This is going to include a reptile show I was able to find for $250. I have a lot of ideas for gifts so I need to narrow them down and start hunting. Or crocheting. Or both.

This month marks my one year anniversary at work. I am officially part of the Retirement Savings Plan where my employer makes a contribution equivalent to 5% of my pay to my403-b. My employer will also match me up to another 5%. So contributions equal to 15% of my pay for only a personal 5% contribution is a no-brainer. I signed up for a 5% personal contribution which went into effect this month.

I only had 4 no-spend days in the month of July. As much as I want to join Sharon and Carla for the seven straight days of fiscal fasting, it’s just not a good time for us to do that. Instead, I’ll be going on my own fiscal challenge and am aiming to double the number of no-spend days from July. So, 8 No Spend Days in August (technically starts today) for the Mutant.

I’m experimenting with a new system where my bills are paid from one account and my spending is done from another.

I am staying on top of the Income Deduction Order. Ex’s next pay periods are August 12 and August 26. I am pushing for the 12th because the company originally received it May 27 and are past the deadline to be in compliance. I’ve been working with Ex’s employer’s garnishment company directly although Ex doesn’t know. He’s continued to be vague about the process on his end saying he had to send it to another city and that he already did but he doesn’t have any contact up there to confirm they actually have it blah, blah, blah. Me: Smile and nod.

If the garnishment goes into effect or Ex pays as he’s supposed to, the priorities with the money will be 1) padding my super slim budget for back to school (currently it’s at $50 for three kids and no lists have been sent) and 2) rebuilding the savings accounts I had to drain to compensate for the evaporation of 2/3 of child support this past month. Specifically I’m looking to put $1,000 into the starter emergency fund, $450 into the education fund, and $300 into the Christmas account. They’re listed in order of priority.

Of course, money isn’t everything (seriously?) and so I’ve come up with a few personal goals this month as well.

Books I'll Be Reading- Most of Them

Personal

I’m committing to working out for at least 30 minutes every day the kids are with their father. The excuses are over. After all, maybe one of the reasons I’m tired all of the time is that I’m not working out!

I’m going to make a concerted effort at getting as much stuff ready the night before instead of putting it off until the morning mad rush. I’ve done it in the past and it’s been a huge help. After all, it’s not fair I’m the Nightmare Mommy first thing in the morning because of my lack of organization. So, clothes and lunches and bags ready the night before and I’ll likely be enlisting the kids’ help.

After being constantly inspired by Judy, I’ve decided to have a family meeting on Monday, August 1st. We’ll talk about things happening this month and we’ll go over budgetary issues as far as things relating to them– specifically back to school items and allowances. This is where I’ll also explain the concept of getting ready the night before and what is expected from each of us to that end.

I’d like one outing with a girlfriend this month for some lunch and chit-chat. I need woman to woman time but often can’t swing it thanks to time and money restrictions. It’s a priority. It’s budgeted for. I’m doing it.

I’m going to keep smashing away at the book tower in my house. I got totally slowed down by Ishiguro’s Remains of the Day. It’s lovely to read but it’s slow and taking me forever. It’s just not a page-turner. Not that there’s anything wrong with it, the writing’s inspiringly lovely. But, yeah it’s slowing me down. So I’ve actually started another book that Jacq recommended to me a while back called Loving What Is which is so insightful and helpful so far, that it will likely be featured here in its very own post.

Finally, I’m going to dedicate some serious mental and mind power to this blog. I’ve been doing a lot of thinking lately and I have a clearer idea of what I want for and from this blog. I want my blog to remain authentic. I don’t want to feel forced to write particular content to drive a particular viewership. However, this doesn’t mean the content I am writing isn’t suitable for a wider audience than I have now.

I can’t believe I’m going to say this, because I run the risk of sounding cocky, but I’ve seen so many blogs for so long now, I finally believe that my writing is better than a lot of what’s “popular” and that there is an audience out there who wants my kind of content. No, I’m not a personal finance blogger and I don’t want to be a personal finance blogger. But, I am a single mom blogger, I want to be a single mom blogger and I want to be a well-rounded single mom blogger which understands personal finance is part of the picture, but only part.

I’ve taken a very laid back and natural approach with this blog, if you build it they will come style, but I’m changing that and making a larger effort to get my content out there. However, I’ll be doing it on my terms and avoiding the things other blogs resort to in attempts to drive traffic that I don’t really appreciate as a reader—namely asking for votes, purposely participating in flame wars, posting sponsored product reviews, or hosting sponsored giveaways. I’m going to rely on my content, technique, and style but do a better job of putting myself out there. I’m aware I’ve probably shied away from going for gold because of a fear of exposing myself to the big, bad, and nasties of the world. Well, I’m over it, and it’s thanks to you.

I want you, my tiny and amazing group of readers, to know that I do very much listen to you. I hear your words of support, encouragement, and kins(wo)manship. I pay attention when you express gratitude and appreciation for particular content. And you bet I note when you all go mute on other content. I want to continue helping, supporting, encouraging, and inspiring you because you help, support, encourage, and inspire me.

So, here’s to August! It promises to be a busy month, but I’m ready for it.

What about you? Is August a big month for you or are you going to take the mellow approach to the last full month of summer? What are your top priorities coming up?

July 27, 2011

Ten Challenges to Stimulate Your Savings

Frugality - Penny Pinching
“Frugality” by Living Studios

Whatever the reason, and there are so many, sometimes we need to come up with some extra cash or at the very least, scale back some expenses. To this end, people embark on Fiscal or Spending Challenges. They all work in generally the same way—reduce spending in a particular fashion for a set number of days. At the end, put whatever savings you get (no matter how small) into a savings account of your choice. Here are ten different challenges you can try.

1 ) Dining Out Challenge

Sit-down meals, take-out and delivery, or fast food all take a larger toll on our funds than eating from our home. For a mild challenge, aim to eliminate one category of convenience eating for one week—for example, no fast food. If you’re looking for extreme changes, eliminate at least two, if not all three, of these categories for one month.

2 ) Clothing Ban

You know you don’t need any new clothes when you have mountains of laundry and your family is still able to easily put together complete and tasteful outfits from your closets and drawers. Put the freeze on spending—no clothes, shoes, or accessories for one month. If you want to make this challenge a bit tougher, get rid of one article of clothing for every day of the challenge. If you’re able to sell at least some of the clothes you unload, you’re really amping up your savings.

3 ) Stick to the List Challenge

If your weakness is being lured away from your shopping list, this might be the challenge for you. Write up a list before you get to the market and don’t let anything else in your basket. When you go pump gas, leave the drink in the fridge. When the mission is to find the perfect shoes for the interview, forget the cute sandals and the perfectly priced dress. For a mild challenge, aim to ban all impulse buys for just one week. If you really want a shot at curing this practice, aim for at least 30 days.

4 ) Plastic Freeze

If swiping your debit card is making your funds too easy to get to, put the booger on ice. Go cash-only for a week or even a whole month. Online purchases count as credit card swipes. Paying your bills from your account don’t.

5 ) Say No to the Store

It seems everyone I talk to has a store that is their weak spot. Something about it wreaks havoc on your mental wiring and suddenly Wants and Needs are all in the same pile. For me, it’s Target. Maybe for you, it’s Amazon, the thrift store, e-Bay, CVS, or the convenience store. Whatever your Store, skip it for a month and see just how much of a drain it is on your wallet.

6 ) Limited Spending Challenge

This is one of the more common financial challenges. It’s highly customizable and is often an eye-opening experience on just how low you can go. If you’ve been tracking your spending, figure out what your average spending on non-bills is, either weekly or monthly, and challenge yourself to reduce that by a certain percentage. Go for a quick and easy 10% or get drastic with 50%.

If you’re not tracking your spending, this just might be the reason you start as it was for me. Figure out the amount you think you spend monthly on your bills. Subtract it from the amount you think you receive a month. And then commit to living on only a percentage of what’s leftover.

(Income – Bills) / Percentage of your choice = Spending Challenge Amount

7 ) Complete Fiscal Fast

Seven Days. Zero Dollars. It is that simply difficult. You can’t stock up before you start, except gas. Take your wallet from 60 mph to 0 and keep it idling for seven days. Half Dozen Daily is getting ready to embark on one. Think you can do it?

8 ) No-Spend Days 

Seven straight days is definitely challenging. For some people, it’s even impossible. For this challenge, pick a target number of no spend days for a month. Taking a cue from the Complete Fiscal Fast, seven is a good way to start. Can you take it higher?

9 ) Coupon Challenge

The only challenge that requires preparation a month ahead whether or not you’re new to couponing. For newbies, take advantage of the preceding challenge month to stock up on coupons by buying the Sunday paper every week, asking friends for their discards, printing coupons online, and collecting those little blinkies in the supermarket. Track your grocery and drugstore spending and what your average savings, if any, are without coupons. Finally, visit couponing websites to educate yourself on how couponing works.

If you use coupons now but think you can do better, save your receipts from your shopping the month leading up to the challenge. At the end, figure out what your average savings are currently and challenge yourself to increase them by a certain percentage next month. Generally, the higher you are, the harder it is to keep going so keep that in mind. It is truly a challenge to average savings above even 50% (it CAN be done).

When the month of your challenge starts, get your coupon on. Make sure, like the previous month, you’re tracking your average savings and see what the difference is at month-end.

10 ) Power Down Challenge

Can you say no to electricity for seven nights? In this challenge, your family unplugs every night, at the same time, for seven nights. Candles and battery-operated devices are acceptable but you can’t recharge until the power comes back on. This challenge has a two-fold benefit. One, it will surely help reduce your utility bill while quite possibly pointing out power leeching devices and habits in your home. Two, it’s a great way to test your family’s Disaster Readiness level. Having experienced hurricanes myself, including Category 5 Hurricane Andrew in 1992, I know how important Disaster Readiness is, and how easily it’s forgotten.

Have you embarked on a financial challenge? What was your experience?

July 26, 2011

Shitty Saturday

The Crime Scene

Mutant Disclaimer: Let me begin by saying I’m not a fan of peppering my writing with foul language. When I write the way I speak with my friends, my brain is alarmed and tries to cover my eyes. Had the events which I will describe below transpired on a Friday, this post would likely have been titled “Fecal Friday”. As it were, the events transpired on a Saturday and leaked into a Sunday and so there is no title more suited than the one you see up there.
All of this being said, I feel obligated to provide this caution: If you are unable to read tales of parents in the trenches without experiencing a level of squeamishness, 1) Do not have children and 2) Forget the rest of this entry and follow me to Google + which is so much fun.

What you see pictured above is usually nothing more than the kids’ bathroom in my home. It’s mostly an unremarkable sort of space, although you may have noticed my attempt at incorporating a modern child’s sense of whimsy into the original 1960s décor.

This weekend, however, it was the scene of several frustrating and simply disgusting events which unfolded.

MutantBaby is mostly daytime potty trained. For the uninitiated, this means he’s quite good at marching into the above bathroom, dropping his pants, lifting the lid and seat, and proceeding to (mostly) pee in the vicinity of the toilet bowl.

However, Baby has always had problems of the bowels. As an infant, these manifested themselves suddenly and dramatically. He’d be drooling and gurgling and gooing on his tummy and suddenly—a look of horror would flash across his face. He would cross his legs at his ankles and proceed to straighten and lock them in a vise-like grip. He would cry, scream, moan, and whimper and suddenly return to normal. The only evidence to be found would be a tiny spray of poop in his diaper which would inevitably go unnoticed and burn his skin.

The doctors did nothing. They’d say, “He’s constipated. Change his diet and get him regular.” Nothing worked. And sometimes it was obvious his poop was hard and uncomfortable but more often than not… it seemed Baby just didn’t like pooping.

Now that he’s older, he still struggles. The signs are different. Now, he suddenly withdraws from whatever activity he’s engaged in and hides himself somewhere. He gets a very focused look on his face and quiets down. After a few minutes, he emerges and heads to the bathroom where he proceeds to clean himself thoroughly. Most of the time, a small piece of the poop that was trying to escape is in his underwear.

He started doing it on Friday. Usually, it’s no big deal because he does it a few times and then just goes and really lets it all out. But, this didn’t happen Friday.

Saturday, the behavior continued and proceeded to occur on a much more frequent basis. I’m talking about at least once an hour, I’d catch him making a dash for the bathroom. I talked to him and told him his body was trying to get out a lot of poop and all he had to do was sit and let it out. Nope.

I think it was after about the third pair of dirty laundry and after the sixth time I had to stop what I was doing and follow him into the bathroom, I bribed him. “If you just sit and do your huge poop, we will all go to Toys R Us,” I explained to him in front of the other two kids. They celebrated. But nothing happened.

I gave him an insane amount of plum juice. I even gave him some of my Cuban coffee. I told him to just sit and do it and so I gave him books and a Nintendo DS.

Nothing.

Finally, I changed course and just let him go outside with the others to play figuring physical activity and lots of water would help.

He kept sneaking in to clean fugitive poop pieces.

It was during one of these sneaks, I caught on and visited him in the bathroom to find the toilet heaped with a pile of diaper wipes.

You see, the child had used the whole roll of toilet paper that day and realized how smart he would be if he went and helped himself to the box of wipes and cleaned his little tushy like such a big boy. I freaked of course, yelled something like, “Oh my God! No, no, no!” and bolted to the kitchen to get my gloves and a plastic bag so I could rescue the toilet from the wipe mountain.

It was when I stuck my head under the sink to retrieve said items that he flushed. “Nooooooooooooooooooooooooo!” I screamed as I ran back to the bathroom. They were gone.

And for some reason, this actually calmed me. “Oh, they went down. Ok.”

Well, the day went on and the poop pieces and the dirty underwear and at one point he came into the house and hid himself behind an end table. A-ha! I watched him closely with my patented Mom-Is-Not-Watching Watch Method and he went walking so very carefully to the bathroom. I followed quietly so as to not alarm him. When he began cleaning himself, I walked in and picked him up and plopped him on the toilet.

I told him he just had to poop already that this was crazy doing this and his body really needed to get this out and it wasn’t going to hurt because it was still soft and he looked at me and said, “Mommy I pooped!” And I said yes but he needed his BIG poop because the little poops weren’t good at emptying out his butt and he interrupted “No Mommy I pooped a huge poop!”

Yeah right. Let me see.

I was in the bathroom the whole time. I was holding him for crying out loud. So, I have no idea how to explain there was suddenly, in less than a minute, a giant poop log in the toilet.

“YES! You did it! Did it hurt?” “Nope!” “Alright!”

The kids came tearing down the hall asking if he pooped and celebrating too and I told them to hurry up and get in the tub because we were going to clean up and go to Toys R Us.

And there was hooting and hollering and I flushed the toilet and of course it got clogged but I plunged it a bit and threw dish soap at it and it was getting there. So I went and got dressed and cleaned up some more and told them to get out of the tub so we could go. And they were so excited. They got out of the tub, and went about the insanity of getting dressed.

A few minutes later, Daughter had apparently run somewhere and was running back to her room when she slipped and fell and started crying. It always happens. They track water out of the tub all of the time. I rolled my eyes and Eldest came and reported Daughter had slipped and fallen but that there was a very giant puddle in the hallway.

And that’s when I saw it. There was water all over the hallway.

I rolled up my jeans and ran over there. Water was coming out of the bathroom. Oh. My God.

Water. Everywhere!!!

It took me a few minutes before I realized the Hello Kitty band-aid on the floor in front of the toilet was sort of moving. The water was coming from under the toilet. And why the hell was the tub taking a million years to drain?

I called my parents. I called my landlord. My Dad and I used a snake on the toilet and I was being so clever with my gloves until while I was pushing the snake up, suddenly something happened and sucked my glove down and brown water filled my glove. Oh Christ’s sake, I wanted to cry. When we’d try a flush, everything would come up the tub.

That was when I realized the water in the house was the tub draining itself. Oh, great. Waste water.

It was a nightmare. I cleaned up the bathroom as best as I could and blocked it off until the landlord’s plumber could come the next day. The kids were not happy they couldn’t go to Toys R Us after all. I took like thirteen showers and still felt absolutely disgusting.

The next day, the plumber came. He saw what was going on and would have to unclog it from the roof. Apparently, my father’s and my efforts to snake were downright stupid because of the plumbing system in the house.

So he got to work.

It wasn’t pretty.

Water came back in the house under the toilet. At one point, the tub was filled with water so brown it was almost black. When he was done, he showed me a pile of diaper wipes on my patio that were revolting to look at.

When my Mom called to see how she could help, I had a moment of genius and asked if she and my brother, MutantPirate could take the kids to Toys R Us for me. She was hesitant but I must’ve sounded borderline psychotic because she agreed.

I cleaned that bathroom all day with an assortment of things ranging from boiling water to bleach to Comet to more boiling water to floor cleaner. I scrubbed with mops, rags, and sponges. I mopped a million times.

It still gives me the heebie jeebies.

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