Tag Archive: money


I’m back in 2010

Before Christmas this year I kept thinking how we were doing so much better than that Christmas two years ago when I blogged about our lack of presents on December 24th and friends showed up on the big day with gifts for the kids and us. I think that was probably the best gift I ever received, being remembered in our time of such need. I’m still grateful for all the friends who swept in and made our holidays brighter. Once the tree was up this year, Charlie wasted no time falling asleep underneath it. Both of the boys had a great Christmas, we didn’t break the bank, and although we’re still poor at least we’re still in our home. The more time goes by, however, the more I think our general level of stress would be lower if we just gave up. I hate giving up, though! Do I hate it as much as being insanely miserable? Sometimes you’ve just got to know your limitations.

I really wanted to take advantage of the lunar event this year by working some magic for inner change, but of course the beef & cream cheese rolls for the party took precedence. Yes, the new year passed us by so quickly I barely had the time I wanted to prepare for it. The 31st of December was a blue moon, the second full moon of that month, and we won’t see another until August of 2012. I wonder if that’ll be the night of the big hullabaloo everyone’s buzzing about. I mean, those Mayans had the calendar thing down pretty well from what I’ve heard, but I don’t think the world will end just because their calendar does. Maybe it’ll be the end of bloodthirsty capitalism or prejudice among the human population. It would be a wonderful change of pace for the world if this whole “end” bit turned out to be just a great change of mindset for the people of Earth.

Thanks GreenTree!

I guess I’m just trying to think somewhat positively… As long as I avoid the topic of finance I should be able to pull it off. But then again, pleasantries rarely make a good read. I guess my concern is that as so many of us are struggling to keep our heads above water, the guys with all the cash flow are refusing to change up the system at all. Big scandal of the year to date (or so I saw on the news Jan 1st) was that all these banks who got bailed out spend $871,000 per home that was supposedly saved from foreclosure. My mortgage is less than $100,000 and it’s taken us 2 years to get approved for a program that we now find will save us a whopping $26 a month off our mortgage. Really? THAT is supposed to save us from losing our home?

I was all excited about blogging and now I’ve lost my positive energy. More to come…

How To Be Broke- and still get by

So I went to Wal*Mart the other day -hey, I’m broke AND unemployed now thanks to them. They’re still the cheapest game in town with the most selection. When I’m financially stable I’ll be able to use my buying power as a consumer to support the right businesses.  As long as we’re all this destitute, we really can’t afford to search out a grocer who’s NOT owned by a major company (Schnucks or Kroger or… oh yeah, that’s it) and spend more there.  The reason I’m starting out with this, however, is because I got this glorious hall of sustenance for the week and still managed to stay $5 under budget. Of course, I forgot drinks for Bastian’s sack lunches -but I can get those and we’re still good.

This leads me to the next installment of my latest idea to help assuage the horrors of bein’ broke.

Po’ Folks Tip #2: When you go to the store buy either generic or what’s on sale. Check those endcaps, and round everything up to the nearest $$$ (if it’s not an exact dollar amount), and keep track of what you put in that cart! I always end up being within’ $5 of my total budget, and I keep that set amount in mind the whole time I’m shopping. It helps control expenditures -and we all know we need to do more of that.

As I mentioned in my last post, it is never a good idea to leave the house hungry when you are poor. This is especially true when you are going to the grocery store. Hungry tummies = way more food than you can afford most of the time. Before I went out yesterday to run the rest (hopefully) of my non-dental errands, mom invited Charlie and me over for lunch. I was reminded of all the times my mother used to tell me that we come from “peasant stock” and how that’s part of the reason our family has traditionally given birth to large babies (mine were 10.1 and 10 pounds respectively).  Personally I think this is, to some extent, ridiculous to think about but not necessarily out of the question. In any case, she is an expert at making due and therefore I’m paying homage to her hot dog bun garlic bread. Thanks for lunch, mom, and for a second tip of the day.

Po’ Folks Tip #3: When you haven’t got the cash to buy the foods you love ready made (we pay extra for convenience every day) then get creative! Can’t afford a loaf of french bread, or don’t want to use up gas going to the store for it? Butter up them 99 cent hot dog buns and bake ‘em for 5 minutes at *375. Got no more boxed side dishes you can microwave?  Boil some of that rock-hard pasta in the cupboard and heat up a white sauce with cheese and/or garlic. My personal favorite trick is to google all the random dry goods in my cupboard along with the words “recipe” and “easy” and see what comes up. It’s been a life saver a few times, and we’ve found a few favorites!

I also managed to go for a bike ride this past week, and played around with my PowerShot SD 790 IS. Using the Whitman Street bridge as both the foreground and my tripod -I snapped a few pictures of the traffic and the Jefferson Street bridge behind it. My equiptment is not quite on par with what I’d like to be able to do… mosty it’s the lack of a 250mm zoom lens that’s getting in my way. Sigh. It’ll come eventually.

I love night rides. They’re always better with friends though. =)

Photog Files

I went out to Blackhawk Springs for the first time this season. It’s been waaaay too long. I absolutely love the parks and reserves on Rockford’s south side. They’re beautiful and really give you the feeling of being untouched and set aside from mankind’s influence. Rock Cut State Park is nice, and very large, but between the Speedway car engines you can hear racing even in the deepest parts of the woods and the crowds -I just like the smaller out of the way parks.

Blackhawk Springs is gorgeous for walking, and has a really nice paved trail that circles down near the Kishwaukee River. BigThistleBug1There’s also a natural trail that leads down to the actual springs, which have been maintained better in recent years than I remember them being before. The deeper parts of the forest are quiet, and the energies are nice in general. Lots of small creeks flowing between the springs areas and the river.

I was out there doing some photography for a friend’s senior pictures, and found a great thistle. I went to get a nice macro shot of it and discovered it had a denizen among the purple spikes. This is one of my favorite photos in a while.

Bastian is at his second full day of second grade right now. Monday was a half-day, but he said it went well and he has the “nicest 2nd grade teacher in the whole school” but didn’t want to answer all my questions that afternoon. He’s 7 going on 17 these days, and acts like he’s too cool to give me details on his day. We haven’t quite got all the school supplies on his list, but I sent him with all the staples -crayons, markers, paints, pencils, etc… We’ll get the rest of it between now and our next double payday.

I’m working on picking up a second job, nothing steady but a chance to make extra cash here and there when it’s available. The best part is, if I get it, I’ll be learning to operate DJing software and MC events. I absolutely love event-planning. Wish me luck (we could use the $$$).

The Needle In the Haystack

Once upon a time I loved all the massive amounts of information I could find online. Where do you draw the line, though, between information, advertising, and ridiculous B.S.? Google used to be my hero, my entertainment, and my main source for interesting recipes based on what I had left in the cabinets. Today is a sad day for us.

Perhaps this is my “dear John” letter to Google… maybe it’s just that the web has become so weighed down with people looking to make a living sitting on their ass. I tried for the last few summers to find legitimate work that I could do from home -writing, editing, typing, transcribing- and all I could come up with was google searches that went on forever completely full of scams. attackMy computer got bogged down with viruses, my hotmail box became unmanageable, and I never did find a single worthwhile venture that would allow me to WORK from home. I even tried to be devious and check out all the forums that are supposedly for moms who work from home. Half of those are just lists where people advertise their multi-level marketing schemes or the websites that you pay a monthly fee to join that then post even more lists of scams and “legitimate Work From Home” that would miraculously allow you to make $100,000 a week doing absolutely nothing!

After wondering why the entire country wasn’t spilling over with rich assholes who’d just bought their first mansion and mercedes convertable, I finally gave up the search. I got a part-time job in retail that pays a decent hourly wage, and continued struggling to keep my head above water financially. I love my children, my husband, and my home… but I am unhappy with my lack of presence in the professional world. I want to make their lives better and keep my home -and this struggle isn’t going to last much longer if we don’t change something.

This summer I decided I really need to finish my degree. It would take me one semester if I could enroll even 3/4 time, but since I can’t afford the commute or the gas or the childcare that isn’t going to happen. Perhaps a full year would be feasible if I took a few classes each semester, but then again there’s the drive and the childcare and the financial aid. I also have a hefty sum of student loans I’ve already accumulated, and those have to be deferred before I can even attempt to take on any more -IF I can take any more. Which I shouldn’t. So I’ve been trolling the web again, ever faithful to Google’s magical finding powers and trusting in the elite-ness of my boolean search abilities… looking for a scholarship.

Now, I’m not a single mom and I don’t want to attend an “online university”. I have legitimate credits at an accredited state CB022158school 45 minutes away from my home. I’m also not part of any minority group, and I haven’t been in the military. Still, we are a family of 4 and I believe we should fit into a low-income bracket for the purposes of financial aid and scholarship applications. Why, then, is it SO DAMN HARD to find a website that will allow me to apply for scholarships without filling out a survey about my interests, asking for information about online schools, or being led to some ridiculous advertisement for a $10,000 give away for me to win just by sending in my address?

It really does suck that advertising and scam websites are making the internet suck so much. I guess that’s just the way of commerce these days.

It isn’t just the heat…

I had another interesting set of dreams last night. At one point I was out to dinner with the kids and a friend’s husband and child. We were waiting for our significant others to arrive, I believe, only in the dream their child was nearly bald. Next the dream shifted and all of us were swimming in a lake somewhere. I saw Charlie jumping off the end of a pier into the murky water and panicked, swimming over to save him. Before I could get there, however, he surfaced and began floating on his back like a pro -spurting water out of his mouth in a fountain up in the air. Next I was in a car with two of my friends (who get along fairly well these days, but aren’t really close with each other) and we were all in the front seat together. I think we were all going to a movie. Somehow they both ended up climbing onto my lap, and it was really difficult to see and drive safely. I slid the seat backward to make more room and the girl who was on the lap of the girl who was on my lap exhaled with relief, because the steering wheel had been digging into her stomach.

I don’t really think that those dreams mean anything… but they were strange. Perhaps someone could suggest meaning?

In other news… we’re planning a camping trip for later this summer, and so far everything’s falling into place nicely. I can not WAIT to get away from things here and relax in nature with my family. No phone calls from miserable hateful people who want to drag me down with them, no more going in to work and feeling like a martyr, and plenty of beauty and spiritual fulfillment. This will be just what I need, and the kids will finally get to do a little more traveling.

It’s tough being a broke adult, after all the places I got to visit with my parents as a kid. Maybe it was because I was an only child -or because both my parents were fairly good at keeping their finances in order. Unfortunately, neither of them ever took the time to sit me down and explain it to me. It’s one thing to hand out snippets of advice on saving money and being organized. It’s an entirely different thing to plan out a budget and calculate expenses versus income in a format that one can easily manage.

Guess we’ll have to keep on working on that. =)

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Keeping the Faith

It’s strange how attached we become to the definitions we’re familiar with. A lot of my fellow pagans cringe when I use the word “faith” or “sin” because they are so jaded from their early experience with judeo-christianity.

Don’t get me wrong, I don’t define these words in the same way as the church, nor do I believe either of them is going to bring you damnation or salvation. But the ideas behind them started with a grain of truth, as I believe most religious dogma did at some point in ancient history.

Lately, I’ve gotten so damn sick of being broke, blogging about being broke, thinking about being broke, praying about being broke… And I desperately plead with the gods everytime we find ourselves backed against a wall financially. It seems that each time we hit this rock bottom and I feel hope is nearly lost -they come through at the last minute and we escape from ruin by a hair’s breadth.

These close calls can only go on for so long, I know, and each rescue leaves another bill or debt to grow larger as we attempt to live above our means. It seems that our family’s needs (true needs like groceries and electricity and gas) are constantly being juggled or held up against one another because we can’t really afford them on our income.

I just started working, thinking that the new influx of income would make a difference and allow us to actually budget and pull ourselves out of this mess -but it seems that we’re so far behind we’ll need some kind of miracle to get us up to a point where my part-time paycheck will make a difference.

Through it all, however, I feel this crazy sense of gratitude. We’ve managed this way for over a year now, paying a mortgage that we signed for when Mike was still making $42,000 a year on half that salary. We all have our health, and our second anniversary is coming up next month.

Life is such a rollercoaster sometimes. I keep thinking about giving up the house and finding an apartment somewhere, but in this market even that wouldn’t really give us relief, would it? Besides, I love our first home and the yard and the basement. Tiny as it is, it fits us beautifully.

The other night I was sitting out on the porch beseeching whoever was out there (it was a beautiful clear night) to give us an opportunity. We’re both working now, we’re both willing to work at whatever opportunity comes our way to allow us a more stable life. I’d give anything I have -time, energy, creativity- to a project if that work would eventually provide my family with a better future. At first I was just struggling to think of something I could do, because that’s how I am used to thinking, but then I realized I’d even be happy if just Mike could get an opportunity to do something over and above his job in sales. He hates sales, but he’s good at it and he’s been moving upward in the company in every way except his salary.

He came home full of energy and said he’d met with some friends who want to form a partnership of sorts with him as their “face man”. I know a lot of people scoff at the idea of omens… but I’m thankful for this one. Whatever happens, I seem to find a lot better outcomes when I just keep the faith.

End of Summer

How in the hell is it September already?

I haven’t written in a month, and even though it feels as if it’s been way longer than that -I’m wondering what happened to this whole year. There were so many things I wanted to accomplish or thought about maybe doing, and all of a sudden I’m realizing that even if I still wanted to (or had the motivation) it’s too late to get started.

A lot of this year has been spent (for me, anyway) in a really cumbersome depression. Money matters have been sucking the lifeblood out of me, and my own feelings of hopelessness have just continued pulling me down until I honestly lost hope. I feel like months of my life have slipped down the drain, and when I think about my state of being during that time… well I guess I’d rather not think about that.

I’m working now, and of course getting callback on jobs that I applied for months ago. The first company that actually gave me an interview took so long in calling me in that I accepted a job at a distribution center working from 7pm to 5:30am because I couldn’t afford to turn down the money. After my first week, however, I finally got a call to come in and drug test for the physically un-challenging position behind a customer service counter. I’ve never appreciated standing behind a cash register so much in my life. Ten hour shifts of moderately heavy physical labor during hours when I’m normally winding down with my kids and going to sleep -no thanks.

Strangely enough, I often felt the urge to write just before and during this depression. Tons of story ideas that really felt promising came to me earlier this spring (I wrote them down for future reference) but I just didn’t have the time to write and when I did have a spare moment there was this odd block. I won’t call it writer’s block, because I was definately feeling a creative burst at the time. It was more like a hesitance to get started. Perhaps I was worried that if I started writing and (as usually happens) the work became increasingly mediocre as I went, I’d just end up fizzling out.

I’ve felt the compulsive need to carry a storyline in the past, and I get so excited and full of hope that I just breeze through anywhere fro 5-25 pages with confidence. Then suddenly I hit this wall, try to continue despite, and end up tossing the whole project. Maybe that’s when I should take a breather.

I don’t know. But with the additional income I’m now bringing in we should be able to start digging ourselves out of this hole we’re in right now. At least I’m feeling better right now about things in general.

47 Inches To Glory

Yesterday was sort of amazing by my recent standards. These past few weeks I’ve sunk deeper and deeper into depression as our financial situation became more bleak. The broadband got shut off last Sunday (we have a broadband phone and no cell) so I paid $58 to turn it back on Monday. Then Thursday the gas got shut off, and my mother had to bail us out -although they can’t come turn it back on until Tuesday the 26th.

All these places are advertising positions in the classifieds, and yet everywhere I applied (both online and in person) it felt like they were just dodging my calls or outright telling me there wasn’t a place for me. Having 5-6 years of college and no degree is apparently worse than having just a Diploma or GED.

So, finally, I get a real person on the phone at a local distribution center for a chain of home improvement stores. It’s hard work, heavy lifting, and ten hour shifts… but it pays well, and dammit I’ll take anything! Monday I go in for my drug test and “skills assessment”. I’m hoping they’ll ask me to start Tuesday, because I want that first paycheck ASAP. The only drawback, really, is that it’s 7:30 pm to 5 am. But I’ll find a daycare for the 1 year old, and the 6 year old is in school full time now. I’ll sleep in the mornings and then get both kids around 3.

The same day that I had my successful interview (yesterday, and he offered me the position on the spot!) our TV came back from repairs. DAMN did I miss that 47″ flat screen!

We’ve been using my son’s little 20″ or so TV as the living room set, and it’s tiny and not as clear AND doesn’t have a remote. Although I am proud of us for going a whole summer without a TV, and of the kids for finding other ways to play and entertain themselves… I spent all of last night getting reacquainted with that huge picture and sharp image. I can’t wait to watch a movie on it.

Things are looking up!

Well Ain’t That a Fine Howdy-Do!

I don’t know why, but I was feeling all kinds of “aunt Bea” when I wrote that headline. Randomness can be fun, though, eh?

The past few weeks I’ve been incredible busy… and frustrated. Things are, as usual, SNAFU. Despite the increase in craziness (babysitting anywhere between 1 and 3 kids in addition to my two) and my seemingly decreased ability to handle the day’s responsibilities, I have been reading more.

I started getting frustrated a few months ago because I never have the time any more to sit down and enjoy a good book. Growing up an only child who moved every few years and changed grade school like new underwear, I read a helluva lot as a kid. Since I’ve been in college I have had a few opportunities to read things I enjoyed (why did I change majors again? DOH!) but anymore I’m lucky to get school reading done.

As it stands I have not yet filled out my FAFSA information for the fall, and despite the fact that I’m enrolled -I haven’t registered for any classes. I just don’t see how I’m going to do it. The six year old will be in school this fall from about 8 until 2, and the two classes I absolutely must have to complete my major are offered only on Tuesdays and Thursday mornings at 8 am in DEKALB. The baby could *probably* go to campus child care, but that’s a big IF -if I can get him in. I still have to figure out how to afford gas (loans? grants? scholarships?) and how to get the first grader to school (husband?).

This gordian knot could totally be unraveled if we had:

a.) more money

and

b.) a time machine.

Oh well. If I could just pull myself up out of the doldrums I’ve been buried in lately, I could probably work my ass off to get this done. But I’m already working my ass off and getting pretty much nothing done around here.

Calgon, take me away!