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.

Tuesday, June 21, 2011

Thinking Bigger for a Better Future

Whenever one tosses about ideas for a brighter future, whether it is ideas for food, education, housing, politics, health care, etc. there is always someone telling you how it won't work and why. Of course many new ideas will not work in the current framework. You have to imagine there are new choices and less hindrances. You have to think outside of our reality occasionally. Dreaming is good. It's the first step.

My first dream is for government to bring Kiss to their legislation. No, not the rock band, but the old phrase "Keep it Simple Stupid." When I hear of a 500 page proposal to allocate extra funding to education that includes buried deep within funds for a bridge in Wyoming, and on page 362 funds for a casino in Delaware it infuriates me. They don't know what they vote for because they don't have time to read the whole thing and if they do muddle through it there is just so much.

I want the language and length of these bills simplified so all may read and understand. If something is put to a vote by the people they should know what they are voting for. If the newspaper feels the need to print a full page describing what four proposals mean then those proposals need to be rewritten. There is no reason to hide your real intentions behind murky language. Keep it simple so everyone, including our elected officials, can make an honest decision.

We live in a country of excess. Most manufacturing is automated. We have enough whatsits for every man woman and child in our nation. We also have a great divide between a few "have it all's" a larger group of "have enough's" and a greatly increasing group of "have none." Imagine a world where the resources are redistributed more evenly. I'm not advocating taking from individuals who have worked hard to get where they are. Bear with me, I'll try to explain.

From the perspective of the poor, where would you be if basic food, health care, and housing were already there for you. Would you feel elevated, more of a human being, more worthy? With time freed up that was previously used for basic survival in a world that didn't care, what would you do? Would you volunteer in a community garden, pursue further education, spend more time with your children? Would you work part time for a little extra in life or would you keep plugging away full time? What would you change?

In "The Overworked American" Juliet B. Schor describes a time during the Depression when a 30 hour work week was proposed so the work could be spread out between more workers. Some companies may have done this for a while but big business was definitely against this. Most corporations look at how they can gain from their labor not how they can improve the well being of their work force.

It's time to take the power from the few elite and the corporations. We should have regularly scheduled interviews with normal everyday citizens in the offices of our elected officials. Why do we allow lobbyists who represent corporations visit and gift our officials? Why do corporations have this power over American policy? It needs to change!

Future planner Jacque Fresco known for his "Venus Project" has given much thought to these problems. He is well known for designing buildings and cities of the future. While he shows great detail in his work and it appears like something from a science fiction novel he has also put just as much time into designing a theoretical future society. He proposes a resource based economy where the citizens have control and corporations no longer exist. He acknowledges there will be transitional phases, but to hear him describe it, it seems perfectly feasible.

Fresco proposes we already have the resources for all citizens to live well. Why should a few have an overabundance while others go without basic necessities? His cities would use power from wind, sun, wave or water. Without money and corporations clinging to the old way of doing things, the old way that pollutes our earth and lines their pockets, there would be nothing blocking the use of new technologies. Without a money based society, all citizens would benefit. It's not something that could be transitioned to overnight but it is fun to read his ideas and imagine what life could be like.

In "For Us The Living" Robert A. Heinlen describes daily life in a future Earth society. Basic needs are seen to and people are free to study and work as they wish. Imagine if you were able to study what interested you and choose work based on your passions, not what your earning potential would be. Would there be fewer disgruntled workers?

As for jobs that no-one particularly enjoys, imagine if job sharing was available at all levels. Citizens appear at the factory or field for a four hour shift. No-one is required to toil for twelve or sixteen hour days, six days a week for just a basic living with hardly any family time. That job will be split between four to six people. More people work and there is plenty of time left for creative pursuits, education, gardening, family celebrations, or gathering with neighbors. There may be a few that choose a shoddy life spent in front of the television with just the basics covered but I bet the majority would pursue the life they could only dream about in a conventional society.

Now readers, its your turn. Sit back, shut your eyes, transport yourself 60, 300 or 500 years into the future and tell me what you see.

Monday, June 6, 2011

Inspired

Thanks to Hulu I just realized a second season of Jamie Oliver's Food Revolution has already started. I never watch regular television, but if I can catch something on my time on the computer I will watch the occasional show. I was horrified by the first season. Children in a elementary school had no idea what a tomato was. Many could not distinguish corn from broccoli. It was really sad, and amazing too. It opened my eyes to how corporations have changed our nation, how much control we have given over, and how helpless many of us would be in a large disaster or emergency.

I truly feel inspired to make a few changes in my own kitchen. I already do a lot of from scratch cooking. I visit a fruit stand to get a good price on vegetables, although I really can't afford organic meat. I would love to be able to do this but the price is too high at this time.

I recently purchased "Jaime's Food Revolution" cookbook and have been joyfully trying new recipes each evening after work. The chicken leek stroganoff was okay, the spaghetti Bolognese was amazing, and today's burgers were so delicious even the grandbaby who doesn't eat hamburgers normally gobbled one up. I've been having fun.

I bake from a cookbook not a mix, I make my own white sauce for soups instead of relying on a mix or store bought cans of soup. I am usually good about preparing things myself although sometimes there are a lot of work hours, and mixes for things are on sale, and the budget is tight. I will admit I have never mastered gravy, and spaghetti sauce has usually come from a can or bottle then doctored up with seasonings and vegetables. I'm going to make steps to stop this. I enjoy being in my kitchen too much and I owe my family better. I have the skills to do better.

I wandered about after work gathering what I needed for dinner that night and randomly read a few labels for products I had recently purchased out of thrift or laziness. Second ingredient high fructose corn syrup, third ingredient corn syrup, and that was on just one jar of pasta sauce. Added together what are all of these products doing to us? I deserve better as does my family.

After the extreme success of the spaghetti Bolognese sauce I will be making my own pasta sauces instead of just dumping a jar in a pot to heat.

This is one show I can get behind 100 percent. We really need better food education in this nation. We say we are rushed, tired, poor....but we really need to wake up. Thank you Jamie Oliver for inspiring so many of us to do better.