Sunday, October 16, 2011

Wasting Time

First an update. Daughter and granddaughter are home and doing well. Also, my husband still has a job for now. Still trying to catch up on sleep, and create a positive living environment in our cramped quarters. Life is exhausting.

Thank you to all who have read, lurked, commented, or e-mailed. I appreciate all of you even if I don't respond in a timely fashion.

I really don't have the energy to write at this time, but there are plenty of topics being covered elsewhere. Feral Homemaker wrote an excellent article about work and how some workers are becoming slavishly devoted to their jobs in order not to be fired. She's right when she says you can be fired anyway.

My advice, go in, do the best at whatever it is that you do, then go home. Do not put in free over time, or work yourself into medical problems. A job does not define you. Some employers are taking advantage of the workers who are so worried about being unemployed that they will do anything to prove their loyalty.

Economize, follow a tight budget and boost your savings if you can. Be ready for emergencies because there is no guaranty that you will escape the next layoff.

Read her original post here: http://feralhomemaking.blogspot.com/2011/10/bad-advice.html

Single Mom Rich Mom dared to ask the question of bloggers, "Are we wasting our time?"

I like to think with my blogging that I am opening a conversation each day (or each weak or month) and connecting with others. I daydream and wonder sometimes if I will ever have one of those "a ha" moments when I realize all of this was leading up to something big. Then I fall asleep or drag myself into work. Have to be realistic.

Read her thoughts here: http://singlemomrichmom.com/blogging-time-suck/

Monday, October 3, 2011

She's Arrived!

It happened on 10-02-2011 at 12:21 pm. Second grandbaby came kicking and squalling into the world at six pounds and three and a half ounces and a month early. Sadly her lungs needed a little more help and she had to be transferred to another hospital an hour away. It looks like my daughter will be discharged today so she can be reunited with the baby. She felt no contractions until the end when the baby was slipping out.

My eldest daughter and I had our work schedules covered so we could be here for her. My husband needed today's morning shift covered so he could be there for the grandbaby. His new boss complained and said he couldn't do it. My husband said his grandbaby was in the hospital and it was important. He never takes time off from work unless it is vital. The boss complained and said it was a huge bother, then said his boss was not going to be happy but they would try to cover it and call him back. They never called back, so my husband had to call them instead and they said the owner hired someone new to cover the shift. We'll see if he still has his job when he goes back.

Wednesday, September 28, 2011

More Musings from the Hospital

For the Time Being...

I'm sitting in here again, day six. Even though the work hours are very light at this time because business is down, I gave today's shift to a co-worker. I still haven't had a proper nights sleep. I'm really feeling it today. I have no energy and almost feel drunk. If I don't get sleep soon....

It is hard to see your child in a hospital bed, even if they are 21 and just resting and waiting to give birth. The doctor has estimated the babies weight to be around six pounds, and after the ultrasound they did when she arrived at the hospital they let her know it's a girl. The waiting is the hard part. Her room is in front right by the nurses station and she has already watched several families come through the door, scream for a while and leave the next morning with a newborn mewing softly like a kitten. I'm exhausted and she is bored. My husband is tense and sleep deprived as well. There is just too much to do, too much to be accomplished, and too little money coming in to the household.  Okay, that's enough of me complaining.

Jinx

I should never had said anything when I did, but a year and a half ago I bragged about becoming debt free within a few months. I was so excited about my shrinking debt that I had to share. The bills were dwindling, the student loan was finally off my back and there was just one credit card. That's when Chloe (our dog) became even more ill. She needed hospitalization and more frequent medication and a very expensive specialized diet. I'm not complaining because she needed it and it had to be done, she was family after all. Too frequently there wasn't enough cash to cover her care and quite a bit of it went on credit. We even opened a new account for her final hospitalization thinking a miracle would be performed that would buy us a little more time with her. I'm not upset I used credit at all, I just feel I may have jinxed myself a bit by calling myself almost debt free too soon.

I keep track of my total debt each month and I can almost taste it. When I saw $1500.00 in black ink I smiled. Soon after I was giddy when I wrote the figure of $1200.00. Now it is at $869.00 and I am trying to get rid of it as soon as possible. I can't wait to see zero.

RV Lust

I know that I will never remain debt free forever. There are some large ticket items that I may need to purchase on credit. Recently I decided to see how good my credit was and see if I qualified for a loan. I know, I really should reach zero first, and there is a lot going on in my household, but... I have wanted an RV for a long time.

I want an RV with a burning passion. I wouldn't mind living small, and I want more travel in my life. We can do the types of jobs we do anywhere. Also at this point with a full house, a night owl two year old, and soon to be a squalling newborn, it would be really nice just to park it in the driveway and get a full nights sleep.

We went to the dealership just to look, and then we fell in love. We test drove, discussed, and then decided to fill out the paperwork just to test the waters and see what shape our credit is in now. We had a bankruptcy in the past because of a bad housing decision, and poor budgeting choices. I had no idea where we stood credit wise. Turns out we were at 710 and 719, not bad but still too close to the bankruptcy so we were turned down. They said if we tried again in a few months we could probably be approved. It's okay because it's nice to know we are almost where we want to be.

I plan to try again in six months to a year and have it paid off before we do any extensive traveling. It may keep us here longer in the land of no jobs and low pay, but I don't want to take a chance and go anywhere when I have more than just a few thousand in debt to keep up with, unless of course I have a fabulous job waiting for me.

My husband tells me to stop lusting over RV's. He tells me I stare at them when we pass one on the road, and I need to quit. Sigh, I'll have one one day.








Monday, September 26, 2011

Well, There is Actually More to the Story

When youngest came back home she was pregnant and due on October 31st. I thought I would have more time to write about this,  but she went into early labor and has been at the hospital for the last three days.

They have given her three different medications to stop the contractions. The first didn't do much, the second made her sick, and the third has slowed them down a bit. She is four centimeters dilated and they are trying to keep the baby in her as long as possible. That paired with her not really noticing when the contractions occur means she will stay in the hospital until she gives birth.

The first few days I was off from work and able to spend most of my time at the hospital. Today my husband and I both had to work and I felt awful for not being able to be there for her, even though she is feeling better now. Luckily other family and friends took turns visiting and she was never alone for long. I work early tomorrow morning and then I will spend most of the night in the hospital with her. I am filled with worry, and I really  miss sleep.



Sunday, September 11, 2011

Living Penny by Penny

I am in fact still here. Life gets bogged down in the minutia of scrambling for daily existence sometimes. When work, poverty, the heat, the noise, whatever gets me down it's impossible to concentrate on much of anything.  My life lately has consisted of working, cleaning, and purchasing the items we need to survive at the lowest possible price I can find. Living life penny be penny can get you down sometimes but usually it is a challenge that I am proud to have just about mastered.

The bills are paid, we have a place to live, we have food to eat, why complain? I'm not complaining, we have it better that so many others who have no job at all, and others who have lost their homes. We know how to survive on smaller salaries. We've even managed to add to our savings during a recession. Not everyone can claim that. I am grateful.

I just about gave up on couponing when we had an empty nest. We were purchasing much smaller quantities of everything and adding very few processed foods to the pantry. Things have changed now with a full house, the combined eating and cooking habits of six adults, and the scarcity of free time. I have restocked the pantry very carefully so the bills would still be paid on time and we could continue adding a bit to savings each week. I'm couponing more now than I ever have before.

I've found a new way to use coupons that takes a lot less time to do. Let's face it couponing is a chore that can steal too much of your time. After I read my Sunday paper I look through the coupon inserts with a pen and a 3 by 5 index card. I write small and keep track of the coupons I might use. I write the amount of the coupon, the item description and the expiration date. When done I tape the index card to the front of the coupon insert and file it in an expandable file. The end of the month cleanup is a breeze. I simply pull out the section of coupons that will expire and toss them in the recycling bin.

This has freed up so much time! I simply browse through the sales circulars and make a list for each store I may shop at. After my list is complete, I look in my folder, read the card on each circular and clip only the coupons I will be using. As I clip each coupon I mark through it on the index card so I don't look for it again. Some weeks the sales are great and I buy a lot and other weeks I purchase only milk and produce. Either way, I only spend about an hour deciding and preparing for a shopping trip and I save at least fifty percent off the regular price. This is still nothing like the Extreme Couponers on television.


I decided to keep track of how many coupons I used for the month of August so I could decide if it was worth it or not. With the increased family to feed I have started purchasing four Sunday papers when there are good coupons in them. So I could spend up to sixteen dollars each month on papers alone, and then there is ink and paper for online coupons, but I don't use as many of them. I did quite a bit of shopping in August, there were good sales and my pantry was depleted. I used $126.89 in coupons for the month. I included store coupons for dollars off in that figure. I didn't include the 3 ten dollar gas cards I obtained for free with a purchase at CVS. I also didn't include the online coupons linked to my reward cards in that figure.

I've learned three new things about shopping this past month. First I've learned that when CVS says you get a free gas card with a thirty dollar purchase of certain items, that is a pre-coupon price. You can still get that gas card when your order drops to $23.00 after coupons. I've learned that coupons, for now, are still worth it for me. I've also learned that it isn't a myth that you can get virtual coupons linked to your store savings card. I'll give a proper link for that in an upcoming post.

I watched a few Extreme Couponing shows last week. In one episode a huge donation was made to charity. It was thousand dollar order and they paid around fifty dollars for it. That just doesn't happen in real life shopping, at least not at that scale. It can happen in small amounts here and there. I bought four bottles of bathroom cleaner for fourteen cents each. I also paid $1.84 for three bottles of laundry detergent and twelve rolls of toilet paper. I imagine an extreme couponer would have ordered extra coupons, obtained the sales fliers early and ordered huge quantities of product from the store.  I was happy with the few of each item that I purchased. I don't have the spare room to store the stuff, and the spare time to prepare for gargantuan shopping sprees.

The past month may have been rough. There were weeks with too much work, and weeks without enough hours, the heat was brutal, the air conditioner was not working as well as it should, but we survived. I feel as if I've suffered through and overcome another horrid Florida summer.  I feel this way every year around this time. Welcome Fall!

Sunday, July 24, 2011

Putting a Hold on Impulsive Jumps

The economy is not improving, I don't care which paper you are reading or which expert is in your ear. There may be a few real estate deals to be had for those with spare funds, but rents are remaining the same in my area. Gas, groceries, insurance, and many other living expenses are inching up each month yet everyone lucky enough to still have a job has the same wage as before.

My son is weighed down by student loans, an uncompleted education, and the stresses of retail management. Eldest daughter is balancing full time work and motherhood. Youngest daughter has returned home stressed after a failed attempt to share a home with friends. It seems a perfect time to revisit an old post.

Handy Hints For Communal Living

When you are on a frugal path with a goal you have to stay the course until your goals are met. If you jump too soon any small setback can put you right back where you were before. Keep your skills fresh, remember these times will not last forever, celebrate small victories, and plan out your future without losing sight of your goals.

Things are working out so far here, everyone is pitching in to help out, and someone is always here to entertain Grandbaby. Side note: every time I try to write a post, or do any reading on my computer Grandbaby comes into the room, gives me a kiss, smiles, sits next to me, and says, "I watch," next thing I know I'm clapping along to "Yo Gabba Gabba."

Realistically I will be here for up to two years until everyones goals are met. I'm reworking my room a bit now and turning it into more of a retreat for my husband and I. This doesn't involve money as I am just deep cleaning and moving furniture about. I'm getting rid of some furniture that just takes up too much of the limited space. Next I will tackle the common rooms, before attempting a massive garage clear out. Reorganization of our small house will make it easier for all to get along.

My one remaining debt is shrinking, and my savings are growing gradually. We'll just be that much further ahead when everyone else catches up. If you are paddling toward shore and feeling discouraged don't stop and try to stay on the lilly pad. The lilly pad will crash, keep on paddling all the way until you reach shore, you'll be glad you did. Plan, and be ready for the better times ahead.

Thursday, July 7, 2011

Double Rainbows, Grandpa Pizza, and Dancing With the Hired Help

It's been a rough week. I feel worn out and beaten down. I caught a horrible cold, missed some work, and spent three days in bed. My lungs still hurt and I'm still exhausted, but I'm heading back to work in the morning.

Bear with me, I'm still groggy so I'm having a bit of a ramble today. We all went to the store a few weeks ago. My daughter needed clothing for her new job. It was late in the afternoon and we were lucky enough to get rain. My daughter ran in with the baby and I was a bit disappointed because I wanted to point out the rainbow for him. My husband and I lingered in the parking lot a bit longer to gaze at the rainbow. It seems I saw them more frequently in my childhood. Perhaps that's due to an ever present drought. The rainbow was strong and complete, and became a double rainbow before we went inside. Beautiful.

Grandbaby loves pizza. He doesn't, at his young age, look down on his grandpa for working such a lowly job. One evening my husband called me after work to ask if I needed anything. Grandbaby was sitting on my lap and when he heard Grandpa's voice he smiled and pointed at the phone and said "Pizza." When my husband arrives home at night Grandbaby and dog run to the door to bark together. When I open the door and he sees the car he yells "Pizza pizza!" He also wears the uniform hat any chance he gets. Whenever we introduce a new food to the baby I suggested that we cut it in a triangle shape and call it pizza.

I know I've discussed work before but I've never wanted to get so specific that someone figures out who I am and where I work so I can be fired, but sometimes corporate ideas are so stupid that you have to vent. I take my job seriously. I do the best I can possibly do. I consider myself quick, efficient, and kind, and I have never had any problems or complaints. I work in a grocery store and as I myself am a shopper I think I have an idea of what people want. I want to get in, find what I need and get out. I want fresh product on the shelf, plenty of sale items to choose from, and a quick checkout. I do not want entertainment. I don't want to be followed about while I shop. Get in, get out, that's me.

We have someone new in corporate. He has new fresh ideas to take us to the next level in the shopping experience. He thinks we need a heart shaped bulletin board in our break room to share our great ideas about doing good things at work. He thinks we should do videos and photos of employees at work and post them to the company website. He suggested employees use their smart phones for this which really amuses me because a previous communication warned employees that cell phone use on the sales floor both ON and OFF the clock was forbidden.

They also want us to fist bump and high five each other when we pass on the sales floor. The worst idea ever--they want us to drop whatever we are doing when our new store song is played over the intercom several times a day and dance and sing. I was hired for customer service and cashiering. I will not leave my customers waiting in line while I dance. Fire me. This is not a Texas Roadhouse, or a strip joint. It is a grocery store, ask a few shoppers what they actually want, better yet go back to school.

This is in a store that needs some improvement. Dairy products are often found a week or more out of date, equipment breaks down, proper rotation isn't always followed, sale stickers are left on the shelf from the previous week, and I suspect product in some departments is relabeled with a new date so they can sell it past the sell by date. It's not pretty. You could add a few employees so there would be more time and attention spent pulling products and setting up the sales. You could stop freezing the pay raises of your lowest paid employees. You could hire someone just to inspect the store on a daily basis to ensure there are no out of dates. But no, you have the best idea, a little song and dance will fix all that.

One last note, company loyalty and pride is never forced. It is earned after learning how to treat employees fairly and doing the right thing. It is earned after treating your customers well. Song and dance? No thank you, I'll go elsewhere where I will be appreciated, dignity intact.