Showing posts with label debt reduction. Show all posts
Showing posts with label debt reduction. Show all posts

Sunday, April 14, 2013

Why Don't You Write?

I ask myself this a lot lately. I happen to know the answer.

There is a lot of doom and gloom. Things are kind of hard these days.

On the upside, Tom was promoted last summer and we have been working toward debt elimination. This stuff makes us both ridiculously happy. We've already reduced our non-mortgage debt by nearly half what it was last summer. But that patio cover that we were for sure getting this summer? Not happening. I suspect our backyard will be perfect for the girls by the time they don't care anymore or we move.

Speaking of which, Tom and I formulated a three year plan that would allow us to move back to the other side of the mountain. Well, he suggested I work part-time after those three years and I suggested that reclaiming the minimum 12.5 hours I commute and the roughly 16 hours he commutes would be just as good. Better, even.

Plus, I love my job.

My job. My grant is in serious jeopardy. Someone at the Legislative Analyst's Office would like to take the work we do, helping students with disabilities get job training and jobs, and spread the funding around so that everyone can have that opportunity.

Sounds great. But statewide we spend, on average, $377 per successful student. If the Governor agrees with the LAO's plan, every student in special ed will reap the benefit of almost $6.50 a year. Minimum wage here is $8 an hour, never mind the staff to coordinate such a program. So yeah, that makes sense.

I spend my free time calculating how much debt can be eliminated before the end of June, when our program could disintegrate. And how close that would put us to being able to live on just Tom's salary. Latest stats show us only slightly in the red, but that is with all frivolous spending eliminated. That's right, I am calling the house phone frivolous. Along with cable and charitable donations.

Silver lining? If I keep my job, our new "debt free" date (except the house) could be moved up by several months because of our new found dedication.

Oddball possibility that would be just too cruel for words? I came into this position 10 years ago when California was going through it's own financial crisis. My old job title was abolished, like helping people who were unemployed or underemployed find a new direction through training and education was bad. But I'd held this job title previously, so I bumped someone who had held it less time. She still has the same job title, but works in a different program. No, it doesn't make sense that they didn't just put me over there and leave her where she was, especially since the position was created at the time of all the insanity 10 years ago. So, yeah, there is a possibility that she will get bumped again. By me. I still have more time in the title than she does.

Shoot me now.

What's that you say? But Shan, that's just your job. Important? Yes, but a lot of people are dealing with this and worse these days. Quit yer bitchin'!

I should. I will. Eventually.

But wait, there's more!

My mom left her job four years ago and has done everything possible to not get another job since then. She has been successful, too. Go, Mom!

I am pretty sure she was planning on dying before her money ran out. Because, you know, god will provide. And she is in pretty miserable shape. Extremely obese. Poor hygiene. Crumbling teeth. Body odor that makes me hold my breath when we hug. Yet she lives. And her money is running out while she talks about how she is going to get a job after she gets her hair colored, because the six inches of white hair is a dead giveaway about her age.

And we have this little bedroom downstairs. Next to a bathroom that she could use. That I would probably stop using and which would frequently smell like bleach, because Mom seems to get crap on the toilet every time she goes.

For all the frustration with her about how she got into this situation, I would take her in in a heartbeat. Tom knows this. He is as willing as I am. Which is to say that we hope she gets a job. A roommate. A sugar daddy. But this has always been the deal. If one or more of our parents needs us, we are there. Or they are here. Whatever it takes.

Silver lining for this one? There are a couple. I realized today that we probably could fit her bed in the room if we put her dresser in the closet. So at least she would have that admittedly tiny bit of comfort from her own home. Plus, Mom gets social security now. She could pay for her necessities and, in the event of my job loss, we wouldn't be adding any expenses. And lastly, she could no longer avoid spending time with my girls. I don't really know why Corey was her favored grandchild to the exclusion of all others, but that's the way it's always been.

Aaand yes, let's speak about Corey. Who texted my mom last month saying he was going to be kicked out of Audrey's mom's place (yes, in North Carolina) and could he come stay with her (mm-hmm, back in Southern California)? Mom said she wasn't sure how much longer she'd be in her own home, so she couldn't commit.

Ten days later he called me to say that he was being kicked out that night. Susan was dropping him off at work and then he had nowhere to go. Could he please come home? He'd changed a lot. Knew he had more to change, but was willing to work on it. His job might let him transfer and he would go back to school. North Carolina wasn't really for him after all.

Tom and I talked about it for about 30 seconds around dealing with Mad and Fynnie and the madness of weeknights around here. I had posted about it in my favorite mommy group and was surprised at the suggestions and opinions. Tom sort of agreed with one person, but there was no time to clarify before one of us was asleep. Corey called in the middle of that night and asked again. I had no answer and very few brain cells functioning so I could explain where things stood. I asked him to call me again so we could talk when it was day.

In the meantime, Tom and I talked and I shocked us both by saying I was willing to give Corey another chance at home. Was Corey's move across the country rash? Yes. The relationship with Audrey likely to fail? Yes.

But he had gotten a job. He had kept it by then for more than two months. Without medication (because when he realized he does need it, we found that it's nearly impossible to get in North Carolina through our insurance. He would have to go to a state with Kaiser... Ohio and Georgia are the closest... or come home). As far as I am concerned, that was huge progress.

Tom, who is apparently striving for sainthood, agreed that we could take him in with some extremely strict guidelines. All I had to do was reach him.

I tried calling the number he'd used to call me in the middle of the night. Left a message then and again a week later.

Broke down and called Audrey to see if she could please have him call me. She texted a number I could try and said she would try to pass a message to him through friends or coworkers that he should call me.

When I couldn't hold off any longer (I wasn't sure if Corey was avoiding me), I tried the number from Audrey.

Chris answered. Told me that he had helped Corey find three coworkers who each let him stay a night on their couches. Then Chris paid for a hotel room for my son for the next three nights until payday. Another person from work, a manager, had a three bedroom house all to himself and was willing to rent out a room.

Chris was going to tell the manager to let Corey know I was trying to reach him. He said I could keep his number and call any time I had questions. I asked him to keep my number, too, in case Corey needed me.

Sounds so good. Right?

Yeah, so two days later...

Mm-hmm, just two days.

Friday morning at the stroke of 7:00 my phone rang. Showed a number from Michigan.

I honestly thought, "Hey, maybe it's someone from the Batcave (my favorite mommy group, in case you didn't know). So many people in there are from Michigan. Except, wait... I didn't post my cell phone number. Hmm..."

Isn't it amazing how much can go through one's brain while lifting phone to ear?

It was the manager from Corey's work.

"Corey made a mistake. He made a big mistake and I don't know what to do."

In this case, mistake translates into, "Corey stole money from me. He stole it, put it in his account and used it to order a computer online. I'm not sure what I should do."

"You should exercise your full legal rights."

"I'm just not sure if I can trust him again."

"You cannot. I am sorry he has taken advantage of your friendship and compassion, but you cannot trust him. When he lived here, every thing of value was locked up and things still went missing."

And so the conversation went. I also spoke briefly with Corey. He admitted it and gave a stupid reason for doing it. It was apparently impossible for me to avoid pointing out that he had not only jeopardized his home, but his job as well.

Sunday night I received a text from Audrey saying that Corey had been arrested for stealing and that she wasn't sure if he had been released yet.

He had not. For the bargain price of $15 I got to hear my son's voice again. For 10 minutes.

Aside from the rest of our conversation, I got to say what had been eating at me since he'd left Audrey's and the cell phone her mom had lent him.

I told him I love him. That, for a while there, I had been really proud of him. Because I had been.

Two days ago I received a letter from him where all remorse and sense of guilt has virtually disappeared. It was full of how he plans to press charges against the guy he stole from if said guy doesn't give his belongings back. And how Corey's valued his own property at $1000, which puts the other guy in felony territory, much worse than what Corey stands accused of ($420 according to Corey, $790 according to the now ex-boss).

The same night I received the letter, I also got another $15 call from Corey. He still wants to come home. But first he wanted me to call Audrey's mom and ask her to pick him up from court after his next appearance in early May.

Because he won't have any way to get around town once he's out of jail, ya'll.

Tom is still willing to allow him here briefly, although the old "very strict" parameters seem luxurious by comparison.

I am considering Tom's offer. I'm honestly not sure I'm up for it.

Corey bites the hands that feed him. And then blames them for it.

And that, my people, is why I don't write. This shit ain't fun and it isn't funny.

(Well, okay, I did laugh a little when I wrote "Because he won't have any way to get around town, ya'll." That was an almost direct quote from Corey.)

It's not really true that everything has been hard or bad lately. The girls are hilarious. Awe-inspiring. Time consuming. I will write more about them later. In the meantime, here are a couple photos to show you how they've grown.

Fynnie before her first haircut.

And after.


Madelyn waiting to "grow to five."


And finally having it happen this past Friday.

Wednesday, August 12, 2009

Retractable Claws

Things are finally starting to settle back down around here. So I'll give a brief (as I can be, ha!) update and then next time around I'll get back to Mad's story.

After spending almost $200 to get the truck limping along, we rented a trailer and towed it up the hill on the back of my dad's truck. Monday of last week we went out and bought a new car. We'd narrowed it down to the Altima and Camry. Online and based on my dad's and Nancy's collective info, I liked the Altima better, but we still ended up with a Camry. And I'm glad. I bonked my head on the ceiling while in the back seat of the Altima, for one thing. For another, we ended up with a hybrid. Now we're a two hybrid family.

The deal we made on the car wasn't anything like the one the sales guy stated we could get, but it was still too good to pass up. The amount they didn't come down in price was nearly eradicated by the extremely low financing rate. They offered 3.9 percent, but because the finance guy had said "if you'll be flexible, we can be flexible" and then tried to give us sticker price and the "cash for clunkers" money that we were getting anyway, I got a little pissy (no, really?!? I'm shocked, too). So we got an even lower interest rate and $500 off.

I do love the car, but I also loved not having a payment on the truck. Oh sure, I didn't have to drive the smoking beast or listen to it's random, yet incessant binging (you know the sound from leaving the keys in the ignition? the truck is probably already a heap of scrap and I'll bet that thing is still binging).

I've driven the Camry a couple of times and it's a very lovely car to drive, if you like cars. I used to until I was nearly squashed off a bridge in my old Saturn. It was almost eight years ago, but I still felt a little tense being in a vehicle that is hard to see for those "small penis trucks" (you know the ones... sometimes Corey and I will look at a massive, insanely jacked up truck and bust out laughing because "that guy has NO penis!") . One thing about this car, though, is that it has too many gadgets. I was using the cruise control and needed to speed up or slow down a couple of times. Instead I managed to turn the windshield wipers on twice, turned the radio volume all the way down and changed the radio station once.

The day after we bought the car, our stimulus check arrived from buying the house. Here's an odd little fact: prior to receiving the check, Tom and I each received notices that it would be coming soon. The notice also said that adding the stimulus check to our tax forms actually increased our tax bill by two dollars. That seemed stupid, but hardly worth fighting for, and it doesn't matter anyway. I'm not sure why, but we were paid interest in the amount of $52.48. We submitted the form at the end of June, and it could have taken until the end of next month, but whatever.

The first thing we did was to pay off the Target credit card. I can't stand that company. We'd been working on paying off our debt prior to the Madaladelyn, but that went on hold for a while. Target wasn't supposed to be next, but the way they keep reducing our limit every time we do make headway is too annoying. So they're done. I anticipate that they'll close the account, as I've heard has happened with some others who've paid off cards recently. I don't even care.

We also made a sizeable payment on another card. Initially we'd hoped to pay off both cards, but it's just not going to happen.

We've splurged on a few things. One of them is the rest of our dishes. We have Fiesta dinnerware in five different colors, a service for 10. Now I just have to finish painting the cabinets so I can move onto staining the table and chairs and we'll actually be able to use them.

We also bought a bundle of Photoshop Elements 7 and Premiere Elements 7. When we had the computer operating system reinstalled a few months back, our photo editing software didn't make it back on and we couldn't find the disk. Sending pictures to the grandparents has become unwieldy. Sending more than four as attachments to my MIL's email would cause the email to bounce back. I could drag and drop photos, but then she had a hard time printing them on photo paper. Whatever we had before was pretty basic, but I was quite good at it. Photoshop is something I've always wanted, but it will take me some time to figure it out.

Naturally, just before installing Photoshop, our computer took a huge crap. Our computer guys determined that the memory cards were corrupted (would this be another "Thank You!" to Corey and his interest in... ahem... female anatomy?!?). We upgraded the memory and also replaced the monitor. Oh sure, it was a flat screen, but was still nearly two feet front to back. This one's energy efficient and should keep the room from getting as hot. Another benefit is that photos look better on it. Our screen had been getting progressively darker over the past year or so. I had thought it was a problem with the camera.

Last month I spent three weeks thinking I was pregnant. I am not. I'm not sure if it was wishful thinking or over-analyzing or just simply trying to be pregnant before the end of summer as we'd originally planned. I have told Tom... I was going to say I've made it clear, but who knows... that I am not up for trying for another 8 months. Neither one of us has broached when the outer limit would be. At this point I'm rather resigned to not getting pregnant. I understand all of his reasoning for wanting another one (or however many happened to come along without IVF and the like)... I even agree. But I couldn't be more okay with stopping here.
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