So, after a night of scheming (with very little sleep) and a day of hectic phone calls, the light is back at the end of the tunnel, an escape route is hypothesized for the group as a whole as well as an alternate for our family (though neither are actually planned as of yet), and the stress levels are way down.
Still, the trip to New Hampshire that was supposed to happen the end of this month is off, and that makes me sad.
Showing posts with label Financial. Show all posts
Showing posts with label Financial. Show all posts
2009-06-10
It Hit the Fan
So, I've been tooling along, minding my own business, living in the status quo for quite a while now. We haven't been making progress toward our goals, but we do know where we're heading and are on the same page in that regard. Then today the bombshell drops.
Our housing situation is now in flux. We could need to refigure very quickly, and at the moment, we have no easy answers. The only decision that is "easy" is that the trip I've been looking forward to for the last year is off.
Tempers are short, accusations and guilt-trips flying, and the light at the end of the tunnel has gone out.
Our housing situation is now in flux. We could need to refigure very quickly, and at the moment, we have no easy answers. The only decision that is "easy" is that the trip I've been looking forward to for the last year is off.
Tempers are short, accusations and guilt-trips flying, and the light at the end of the tunnel has gone out.
2008-08-13
Changes, Changes
Well, our financial situation just reached up and bit us on the ass. Our landlord has tired of being gracious and has told us we really need to pay up or ship out. Of course, if we could afford to pay up we wouldn't be in this situation in the first place.
So, we're moving back into my mother's house. Not ideal, but the financial picture shouldn't change much and it's only temporary until we can pull together the money for the trip to New Hampshire.
Will be BUSY moving everything tomorrow.
So, we're moving back into my mother's house. Not ideal, but the financial picture shouldn't change much and it's only temporary until we can pull together the money for the trip to New Hampshire.
Will be BUSY moving everything tomorrow.
2008-08-08
Another Try at Remaking Myself
So, as happens so often, it's time for me to try to get my life back in order. It's something I've tried over and over again, but so far have been unsuccessful at making it "stick." But I'm trying again and we'll see if I can make it work this time.
I am obese. I am not happy with the way this makes me feel. I don't like the fact that everything takes so much effort. I don't like the fact that I don't have the endurance I ought to. So, I'm working on it. According to height/weight charts, I should be at about 130lbs. So, I'm setting that as a goal and am working on making it happen. I didn't get this extra weight overnight, so I don't expect to lose it overnight. I expect it will take a lot of time and attention. But I am going to make it happen!
For reasons already mentioned in my "New Hampshire Dreaming" post, I need to find a way to make my work more profitable. I work from home doing legal transcription. This is both a good and bad job for me.
It's good, because I'm good at typing, I can set my own hours, I can stay home with Tre, I can make just about as much money as I want.
It's bad, because it uses 90 percent of my body and 10 percent of my brain. I find myself getting distracted constantly. Even worse, for some reason my body doesn't handle boredom well. When I get bored, I fall asleep. It doesn't matter how much sleep I've got. I don't have to be tired at all, in fact. If I'm bored, I fall asleep. So, I end up trying to balance a tightwire between boredom (falling asleep) and distraction while I try to work.
If only I could do something else while I was typing, something that used the parts of my body not used by the typing... but I have been unable, thus far to find that something. My typing requires one foot (to work the pedal which controls the start and stop of the audio), my ears (to hear the audio), my hands (to type what I hear), and my body (to be in front of my computer where this all happens). But I can (and have, in the past) do this work in my sleep.
I'm also, at the same time, trying to improve the standards of housework in our house. I have not been able to keep things up to the standard I would prefer in our house. I've been so overwhelmed with everything else that's going on, that I just haven't been doing good at anything. But enough is enough. We're going to be here for almost another year, and I've got to find a way to make this place livable for that duration.
From the moment we moved in here, it has always been meant to be a temporary situation. We never planned to stay here this long. So, in some ways, we've never really made it a home. Now we really have to do that. We can't (or at least I can't) continue living the way we've been living. So, add that to my list of things to work on.
I have discovered over our years together that I have a much larger need for social interaction than my husband does. Unfortunately, this means that I tend to not get my need for social interaction met. It's up to me to fix that. I have people nearby that I could spend time with. I could save some money and visit the people I know who live further away. I could meet this need without my husband. But I've got to stop waiting for New Hampshire. Yes, I expect it will be easier there, because there are already social situations there that I could just "plug into" to a major extent. But similar situations exist here, I've just got to find them.
I've got a lot of work cut out for myself. And even if I accomplish all this, it will just be a beginning. I've got big plans for myself. It's time to stop living in the future and start making changes today. That way, when the future comes, I'll be ready to make the most of it!
Weight
I am obese. I am not happy with the way this makes me feel. I don't like the fact that everything takes so much effort. I don't like the fact that I don't have the endurance I ought to. So, I'm working on it. According to height/weight charts, I should be at about 130lbs. So, I'm setting that as a goal and am working on making it happen. I didn't get this extra weight overnight, so I don't expect to lose it overnight. I expect it will take a lot of time and attention. But I am going to make it happen!
Work
For reasons already mentioned in my "New Hampshire Dreaming" post, I need to find a way to make my work more profitable. I work from home doing legal transcription. This is both a good and bad job for me.
It's good, because I'm good at typing, I can set my own hours, I can stay home with Tre, I can make just about as much money as I want.
It's bad, because it uses 90 percent of my body and 10 percent of my brain. I find myself getting distracted constantly. Even worse, for some reason my body doesn't handle boredom well. When I get bored, I fall asleep. It doesn't matter how much sleep I've got. I don't have to be tired at all, in fact. If I'm bored, I fall asleep. So, I end up trying to balance a tightwire between boredom (falling asleep) and distraction while I try to work.
If only I could do something else while I was typing, something that used the parts of my body not used by the typing... but I have been unable, thus far to find that something. My typing requires one foot (to work the pedal which controls the start and stop of the audio), my ears (to hear the audio), my hands (to type what I hear), and my body (to be in front of my computer where this all happens). But I can (and have, in the past) do this work in my sleep.
Housework
I'm also, at the same time, trying to improve the standards of housework in our house. I have not been able to keep things up to the standard I would prefer in our house. I've been so overwhelmed with everything else that's going on, that I just haven't been doing good at anything. But enough is enough. We're going to be here for almost another year, and I've got to find a way to make this place livable for that duration.
From the moment we moved in here, it has always been meant to be a temporary situation. We never planned to stay here this long. So, in some ways, we've never really made it a home. Now we really have to do that. We can't (or at least I can't) continue living the way we've been living. So, add that to my list of things to work on.
Social
I have discovered over our years together that I have a much larger need for social interaction than my husband does. Unfortunately, this means that I tend to not get my need for social interaction met. It's up to me to fix that. I have people nearby that I could spend time with. I could save some money and visit the people I know who live further away. I could meet this need without my husband. But I've got to stop waiting for New Hampshire. Yes, I expect it will be easier there, because there are already social situations there that I could just "plug into" to a major extent. But similar situations exist here, I've just got to find them.
Summary
I've got a lot of work cut out for myself. And even if I accomplish all this, it will just be a beginning. I've got big plans for myself. It's time to stop living in the future and start making changes today. That way, when the future comes, I'll be ready to make the most of it!
New Hampshire Dreaming
So, as you may be aware, we're trying to find a way to get to New Hampshire. (See this website if you want to know the biggest reason why). My husband is FINALLY fully behind me on the idea (he's a teddy bear who loves the colder climates), but we face quite a few challenges before we'll finally make it there.
To start with, we've both come down in the world from the economic starts we had. He was raised upper middle class (with the emphasis on upper). I was raised upper middle class (with the emphasis on middle). When we were first dating and early in our marriage we were DINKs (dual income, no kids) and lived the life. We were eating out at "sit-down" restaurants (of the Applebees, Olive Garden, and Outback ilk) at least three nights a week, sometimes more. We ordered our groceries on the internet and had them delivered to our door (which actually saved us money on the impulse buying we regularly did when actually at grocery stores). We were living in a condo in Montgomery Country, Maryland and doing okay financially.
Then things fell apart. We both lost our jobs fairly close in time frame to each other and have never had jobs that payed as well since. We followed a dream of helping to run a family business, which never came together for a wide variety of reasons. Now we find ourselves living in a trailer park in southern Virginia just barely able to rob Peter to pay Paul and keep the ends together. Our credit is as low as it can go, and we don't have any savings.
But we really want to make it to New Hampshire. So, we're starting to plan, hope, and scheme. If we can manage to save at least $500 a month and work on rebuilding our credit rating, we can probably make the move to New Hampshire in 9 to 12 months. That seems forever away from where I'm sitting, but when I look back it seems only yesterday we were worrying about the whole Y2K bug. So, I've got to find a way to not only keep doing what I've just barely been doing, but up the pace considerably. But if it gets us to New Hampshire, it's worth it.
To start with, we've both come down in the world from the economic starts we had. He was raised upper middle class (with the emphasis on upper). I was raised upper middle class (with the emphasis on middle). When we were first dating and early in our marriage we were DINKs (dual income, no kids) and lived the life. We were eating out at "sit-down" restaurants (of the Applebees, Olive Garden, and Outback ilk) at least three nights a week, sometimes more. We ordered our groceries on the internet and had them delivered to our door (which actually saved us money on the impulse buying we regularly did when actually at grocery stores). We were living in a condo in Montgomery Country, Maryland and doing okay financially.
Then things fell apart. We both lost our jobs fairly close in time frame to each other and have never had jobs that payed as well since. We followed a dream of helping to run a family business, which never came together for a wide variety of reasons. Now we find ourselves living in a trailer park in southern Virginia just barely able to rob Peter to pay Paul and keep the ends together. Our credit is as low as it can go, and we don't have any savings.
But we really want to make it to New Hampshire. So, we're starting to plan, hope, and scheme. If we can manage to save at least $500 a month and work on rebuilding our credit rating, we can probably make the move to New Hampshire in 9 to 12 months. That seems forever away from where I'm sitting, but when I look back it seems only yesterday we were worrying about the whole Y2K bug. So, I've got to find a way to not only keep doing what I've just barely been doing, but up the pace considerably. But if it gets us to New Hampshire, it's worth it.
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