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Archive for the ‘Money/Finances’ Category

Taking Dinner Back

08 Aug

God bless my husband.  He has been the head chef in the household for a very long time.  When he lost his job two years ago, I was pregnant and cooking was out of the question most nights.  Until then, we’d been going out to eat 3-4 nights a week so even before that I wasn’t doing a whole lot in the kitchen.  With the job loss came a need to save money and the dinners out were severely cut back.  He had ample free time and I was so nauseated most days that just looking at uncooked food could induce vomiting.  It just made sense for him to take over.

Then the baby came and I was nursing in the evenings.  And I was tired. And when I did cook, my oldest son complained about the things I chose to make.  And I had night classes.  And frankly, my husband is just better at making dinner.  He can pull out 4-5 seemingly random ingredients and make a delicious and healthy meal.  I’m definitely a plan-ahead meal-planning recipe follower.  Except I don’t plan ahead very effectively and I throw up my hands and give up.

No more.  Starting now, I’m taking dinner back.  I will take this chore off his plate (ha, pun intended!) and maybe I won’t have to do the dishes…

Last night was the first night I took over the dinner making and it was great to be in the kitchen again.  I started simply with oven fried pork chops, a favorite of mine that I’ve been thinking about for weeks.  I found this recipe a while back when we were getting boneless pork chops in our Angel Food boxes regularly.  We haven’t gotten any recently and I’d been craving them but the cost of pork chops kept me from making it.  Lowes Foods had them on sale this week, so I gave into my craving and bought some.

I did make a change to the recipe.  Instead of stuffing mix, I used Italian style bread crumbs.  We’ve had it both ways and I don’t think one is any better than the other…I just utilized what I had in the house.  I had gotten several boxes of Betty Crocker mashed potatoes for free with coupons a while back, so I put together some of those and threw some frozen mixed veggies (less than $1 a bag at Walmart) in the microwave and we were all set!

Cheap and easy, but delicious!  Two of the three kids loved it, so that was a win as far as I’m concerned.  Best of all, I satisfied my craving without blowing the budget and feeling guilty.  The entire meal cost less than $8 and fed all 5 of us, so I feel pretty good about splurging on the pork chops.  And I feel good about taking back dinner.  There will still be days when I ask my husband to take over and work his magic, but the kitchen is mine again.  Now if I could just get someone to clean it up and wash all of those dishes…

 

Murphy Bites. Hard.

03 Aug

Yesterday was one of those days…where everything that can go wrong does.  It started normally enough.  My husband had showings in the morning so I hung out with the little kids.  It was a very typical morning, except for the fact that I had a Benadryl hangover and “hanging out” consisted of me dozing on the couch while they played (OK, watched TV) in the living room.  Yeah, not the best situation but we all survived it.

I had a meeting that afternoon for some SocialSanford business, so once I’d managed to emerge from my stupor I had lunch and went over to Kelly‘s house.  Because I am nice, I took my husband’s car so he’d have the van (and the carseats) if he wanted to go somewhere.  He warned me that it was “missing” a lot while I was on my way out the door and I assumed it wasn’t a big deal.  Wrong!  The whole way there I’m terrified that this car is going to just lay down and die on me in the middle of Horner Boulevard and I’m going to die an ugly death when a semi runs me over.  (Anxious much?  I really need to be medicated.)  I was shaking and a nervous wreck by the time the drive was over and decided that I was NOT driving home in that thing.  I ended up having him come get me and I followed him to Autozone so they could hook the car up to the thingy and figure out why the “CHECK ENGINE” light has been on for months.  The news was not good (and I totally don’t understand exactly what the thingy said was wrong) and it looks like we will soon be a 1-car family.  In times past, this wouldn’t have been a big deal.  But between my classes, his work as a realtor, and me getting a job, 2 cars are pretty much a necessity.  UGH.

After we got home, I walked in the house to find it filled with smoke.  ”What’s on fire?!?!?!” I screamed.  I remember little else…I do know that my dear husband had put a whole chicken on to boil before he came to get me.  And apparently all the water boiled off while he was gone.  And then the stuff on the bottom of the pan started burning.  We probably arrived home just in time to avert disaster.  As it was, all that was ruined was our dinner (and dinner for the next several nights as well…you know how I like to stretch those chickens) and maybe the pot, but we’re trying to salvage that.  This, of course, led to us having to eat out because the only thing we could make quick was sandwiches and we’ve served far too many of those lately.  Eating out was not in the budget, but I’ll deal with that.  A house fire wasn’t in the budget either, and would have cost a whole lot more than a restaurant dinner.  And lest you think we decided to eat out without checking the chicken for edibility first, I want to reassure you that I did taste the chicken.  I am still trying to get the ashtray taste out of my mouth.

Then while we were eating, I got a very sudden, very intense pain in my right side.  Those who know my history probably see where this is going…kidney stone.  We ate quickly and came home so I could get some relief.  I knew that I had only one pain pill left and I wanted to avoid using it if possible.  I tried the bathtub, I tried the heating pad, I tried curling up in the fetal position and crying.  None of these helped, so I caved and took the good stuff.  An hour later it still hadn’t kicked in and I was ready to tell my husband to take me to the ER so I could get a nice morphine drip and some IV fluids to help push the stone out naturally.  I was sitting in the bathroom floor, nauseated by the pain, sweating, and shaking, when I decided to just pray.  I didn’t know what else to do at that point.  Clearly the drugs weren’t going to work.  The prescription was 5 years old and I figured it was just no longer effective.  The tub and heating pad weren’t working.  And we can’t afford the ER unless it’s a matter of life and death.  At that point, praying seemed like the only option.  So I prayed.  And suddenly the pain went from being a 9+ to being <1.  In a matter of seconds, I was no longer in pain.  I’ve had a lot of kidney stones, and it has never ever stopped hurting like that.  Usually there’s a gradual decrease in the pain, or it passes into the bladder and the pain changes…even with drugs, it doesn’t suddenly stop.  I know there are people who think it’s a coincidence, but I absolutely believe God answered my prayer in that moment.

So yesterday was undeniably bad.  It ended on a more positive note, but the car is still in bad shape and my house still smells like an ashtray.  I’ll take that considering what could have been.  And today…well, today has been pretty good.  I have lots of good stuff going on and I’m really excited about some things that are coming up.  I can’t say any more than that right now, but I’m feeling very positive about a lot of stuff that’s happening.  Sometimes we need those bad days to remind us how good the not-bad days really are!

 

Husbands are Handy

24 Jul

Normally I’m all about the “anything he can do, I can do better” philosophy, but when it comes to cars I am just not one of those girls who can pop the hood, figure out what’s wrong, and fix it.  Nope, I’m more of the “call my husband crying and ask him to come get me when the car breaks down” variety.  Which is exactly what happened when I was on my way to clinicals Thursday afternoon in his car.

The heat index was some unbelievably high number (107, I think) so I wasn’t particularly concerned that the a/c wasn’t cooling down like it normally does.  I was already running a little bit late, so I was flying up Highway 1 at about 70 miles per hour.  That’s when the power steering went.  Then I noticed that the battery light was on and that the temperature gauge was pegged as high as it would go.   This was the point that I picked up my cell phone and called in a panic.  I knew that I wouldn’t be able to get where I needed to go without power steering and I was already pulling off on the side of the road when he told me he was putting the kids in the car and would be there as quick as he could.  I sat there for a minute, saying a lot of words that made me really glad none of the kids were with me.  Then I decided to text a classmate so they could let the instructor know where I was.  When I looked up from that, I saw smoke coming out from under the hood.  That’s when I decided to get out of the car.  I know cars do that when they overheat, but I didn’t want to take my chances on it being something else.

I managed to get the hood popped open and walked over to the passenger side, where I stood gathering all of my stuff that I’d have to take with me.  Cars were whizzing past and I was just praying that someone from my class would stop and pick me up so I wouldn’t be late.  My husband finally got there and he hopped out to take a quick look at the car.  He was thinking it was a broken belt based on my description and he quickly saw that he was right.  I hadn’t noticed anything wrong other than the smoke pouring out, so I was shocked that he diagnosed it that quickly.  His estimate to have it fixed (including towing) was a minimum of $100.  Not good, considering our current situation.

He got me up there (only a few minutes late) and I made it through the night.  Someone offered to give me a ride home so he wouldn’t have to get the kids out of bed at 11pm and come get me.  When I was checking my phone on the way home, I saw that he’d texted to tell me that he thought he’d fixed it.  For the grand total of $21, which is how much the belt cost.  All I can say is wow.  How awesome is that?

We went to get it off the side of the road Friday and it ran just fine.  He did have to put some antifreeze/coolant in it, but that’s something that probably needed to be done anyway.  I am in awe that he was able to fix it so quickly and so cheaply.  Certainly a keeper!  Now if only he’d replace the starter in the minivan so I didn’t have to try to start it 3-4 times every time I want to go somewhere…

 

Deliberate Joy

16 Jul

Breaking a promise to a 7 year old is hard.  I mentioned last week that we promised him a day at the beach if his daddy’s unemployment situation got straightened out.  It didn’t get completely straightened out (we’re still missing a week and I suspect we’ll never see that money) but we did get some so I felt like I couldn’t back out because school starts Monday.  I was up at 6AM (or maybe 6:40, but I’m not telling) to get our stuff together, make lunch, and pull out of the driveway before 8AM with a van full of beach stuff and still-sleepy children.  We used a gas card someone had given us months ago that still had some money left on it, bought some ice, and hit the road towards Fort Fisher.

The weather predictions told us that things were iffy, but we figured that we could visit the aquarium if it was rainy…one way or the other, we were going to the beach.  We got there right around 11AM and broke out lunch for the hungry crew.  There were some dark clouds and a drop or two while we were eating, but it seemed like the weather was clearing (or at least not bad enough to skip the beach) by the time we were done.  The van was unloaded, our spot staked out, and children sunblocked by noon.

We played in the water.  We played in the sand.  We played in the water AND the sand when I decided to sit at the water’s edge and just play, something I never do because it means sand ends up in every nook and cranny and crevice.  But I did it, and loved every moment of being there with my babies.  I nursed my little girl with the sound of the waves in our ears…she hasn’t nursed the last two mornings and I suspect that we are near the end of that part of her life.  So I sat there, doing nothing but focusing on her for that precious time, her eye peeking up at me from the towel I used to cover myself.  We were surrounded by people and noise, but for those few moments it was just the two of us.

There was lots of

and

and

and even

!!!

It was a glorious day…despite the 3 hour ride home in a wet swimsuit filled with sand (um, ouch!) and the discovery upon reaching home that the sunblock I used was expired (double ouch!) and finding that all of the problems I’d left behind for the day were waiting on me as soon as I got in the door.  In the end, we were out only the $2 we spent on ice for the cooler and the gas card we were saving for a rainy day.  We packed our lunch and there were no parking fees or park admission fees.  No stopping along the way for snacks or drinks.  Just a beautiful day in the sun with the people I love the most.  I chose to find joy in today, and it was there just waiting for me to discover it.

 

Off My High Horse

13 Jul

Help is not something I’ve ever been able to ask for.  I see it with my kids, too…as they reach toddlerhood and beyond, there’s so many things they want to do on their own.  Today, I let my oldest son bake cookies without my help.  He’s watched me bake them and helped me with them probably a hundred times, but this time was his first solo outing.  He did a great job and had a sense of accomplishment that I could never have given him myself.  I think it’s natural to want to do things on your own, to not lean on others for help.  And most of the time, we manage that.  The last 2 years have been hard.  We’ve had help in the form of family buying gifts for the kids at Christmastime and birthdays so we don’t have to spend as much.  My mom loves to buy clothes for the kids.  We’ve been the recipients of random acts of kindness, sometimes in the form of cash in our hands and sometimes something as simple as a friend inviting us over for dinner or someone picking up the check when we go out.  And we’ve taken government assistance in the form of Medicaid and WIC.  All of those things have been hard for us, but we’ve learned to smile and say thank you for them.

The hardest thing for me to do was apply for Medicaid and WIC.  Bleeding heart that I am, I fully support the existence of those programs but never expected to use them myself.  I was raised in a conservative household, and I guess I thought that most of the people who used them were abusing them or that they were for people who would be on them for life.  Philosophically, I knew that wasn’t true but everything in my upbringing screamed otherwise at me.  We have paid taxes for years and fully intend to do so again some day when things are better.  This is a temporary financial hardship for us and we won’t be using these programs forever.  We are the reason these programs exist, so why am I ashamed that we need them?  I don’t know.  I do know that it’s humiliating to stand in line at the grocery store with my WIC coupons and know that the person behind me is passing judgment.  Sometimes they make snide remarks.  I wish I had the guts to speak up and tell them my story and make them feel like crap for judging me.

The recent glitch in my husband’s unemployment has caught us off guard.  Through part-time gigs and various other money-making enterprises, he’s managed to earn enough that his benefits haven’t dried up yet.  We’re making less than half what he made before he was laid off, but we’ve learned how to be frugal and make every penny count.  But every penny does count.  So an entire week without any income is devastating.  Two weeks is an entire mortgage payment, and we’ve now been two weeks without any money.  We had some in the bank.  It dried up fast, though.  I went to the grocery store with $35 to feed us for a week.  I managed to get enough to keep us from starving, but I won’t promise that it’s very nutritious.  (The cookies we made today were from a mix that I got for free months ago, and I had to really weigh whether it was worth using the butter in them or if I needed to save it.  I decided to just go for it, since we haven’t had anything to snack on or give the kids as a treat for days now.)  There’s a lot of cereal and PB&J being eaten at breakfast and lunch and not much else.  Dinners are slightly better, but we’re quickly depleting the freezer stash of meat.  And today I ran out of water.  Bottled water is a necessity for me due to my kidney stones.  Drinking tap water (even filtered, such as with a Brita pitcher) makes them worse.  I went to the grocery store tonight and get milk with my last WIC coupon for the month and saw a 3 liter bottle of water for 87 cents.  I had to dig for change in my purse, but I found enough to buy it.  Talk about humbling!  I’ve never, ever had to do anything like that.  But going through this, not being able to buy fruit or vegetables and wondering just how far I can stretch a bag of rice or a pound of meat, and not knowing when we might see money again, it’s broken me.  We applied for food stamps.  I want to throw up as I type that sentence…not because I believe that people who use them are wrong, but because it’s one more thing I need help with.  I can no longer afford to feed my family without help.  It is humiliating.  But we are the people these programs were designed for…the ones who need help on a temporary basis, who will eventually pay much, much more in taxes than they ever received in assistance.  Believe it or not, we will probably qualify for much more than the amount of money I’ve been spending on food for the past two years.  My food budget is approximately $200 a month…$250 if we have a good month.  I don’t know what we’ll do if we have more money to eat on!  (Which is a little ridiculous if you ask me, even though I’m firmly in the liberal camp.  Teach these people some couponing/money saving skills if you’re going to give them money to buy groceries!)

We have other money issues right now, too.  Like the cut-off notice I got from Progress Energy.  I have to come up with $150 before July 21 or they’ll send someone to turn it off.  The mortgage payment that was due July 1.  The gigantic water bill that reflects a) a rate hike and b) a much higher than average amount of water use at my house.  Yes, the over-use has been addressed.  Apparently the children have been getting bathed more than normal since they’re getting sweatier when they play outside.  No more baths unless they smell bad!  (I’m kidding…sort of!)

But crazy things keep happening that remind me to trust that we’ll be taken care of.  You would think that the past two years of “coincidences” would be enough reminder, but apparently not!  For instance, I really wanted to see Eclipse.  Definitely a frivolous expense and one that I absolutely couldn’t justify.  But two friends offered to pay for me so I could go and have some girl time with them.  Though it may have felt like something that wasn’t a big deal to them, it was a huge deal to me.  Not just the movie, but the time with two of my favorite girlfriends really boosted my spirits at a time when I desperately needed it.

Then I ran out of disposable diapers yesterday, which isn’t a really a problem because we have cloth diapers…I just prefer sposies at night in case she wets a lot.  But then I ran out of detergent and had no way to wash them!  Luckily, a friend was making a batch of detergent and gave me enough to get me through and told me there was plenty more where that came from if I ran out and still couldn’t buy any.  I’m sure she has no idea just how much it means to me to have that problem solved.

And school supplies.  For whatever reason, this has been the thing that weighed heaviest on my mind.  My oldest son starts school next week and there is no way we can buy the list of things the school has asked us to get.  I don’t know why this is what bothers me most…it’s not like they’ll kick him out of school if he can’t bring them!  I guess it’s because it’s something that affects my child in a way that’s very obvious to him.  He may not notice that we have no fruit to eat or anything to snack on, but he would definitely notice if we didn’t buy school supplies for him.  So I’ve been completely torn up over it, wondering how we were going to get this stuff.  But then, after a meeting at church tonight, a friend asked me (quite out of the blue) if we could afford get his school supplies.  She knows details about the money situation but didn’t have a clue about this particular concern because I hadn’t voiced it to anyone…not even my husband.  This is when I broke down.  I started crying in frustration and embarrassment because it is so hard to admit that the $30 or so it would cost me to buy folders and papers and pencils for my 7 year old son is too much for me right now.  I remember the days when $30 was an amount of money that I’d spend at a bookstore or on iTunes or on a night at the movies without even thinking twice.  And now I can’t even scrounge that up to buy school supplies for my son.  But she told me that she’d handle it, that I didn’t have to worry about that.  And amazingly, before I even got home, another friend (who was not even there when this convo happened) texted me and said to give her the school supply list and she’d get it all.

Suddenly I’m feeling a lot better.  Help is being offered, and I’m taking it for now.  Someday I’ll be able to pay it forward.  There’s a lesson to be learned in every situation and I’m going to learn this one well.  Take help with a smile and a word of thanks.  Let go of the pride and get down off your high horse.  Help is there if you need it.  And, perhaps the most important long term lesson is this: helping people isn’t about the giver…it’s about the person who receives the help.  When someday comes, I’ll be able to give selflessly, knowing that it’s not all about me.