Sick Day

Going to work sick is a normal part of my life as it is for many of the working poor. When there is no health insurance or sick pay, you just keep going. Last week I kept going but it got too bad when I caught the flu or a cold or whatever it was. I had to call out one day.

This week I received a check for $199.00 and I needed to deposit $196.00 in the bank so I would have the $575.00 needed for rent. Now I'm paying for having that one sick day. I'm not asking for pity, I do have some savings I can turn to in an emergency, and all my other bills are paid for now. It's just a huge nuisance to have three dollars til payday.

My optimism has gone out the window here lately. There was a restaurant hiring and I was sure my husband would be hired with his experience. We weren't expecting one awkward interview over the phone and a negative response. So it looks as if we are sticking with these part time jobs for now, and just scraping by.

Every time I am feeling under the weather and think of calling out I add up the hours of the day in question and multiply them by my hourly wage. I imagine I am picking up my check and it is forty or sixty dollars short. I then figure up how many bills will be due to see if I can afford to be sick. This time I felt horrible. There was no figuring involved.

Green Thumb Woes

I should have realized my destiny when I was a kid and, wanting to try my hand at gardening, transplanted a weed. How hard could it be, my mom was always growing things, carrying buckets of dirt from here to there, and watering random patches of green things. My weed died. I should have given up then and there, after all innocent lives were at stake.

Inspired by my friend who has a lovely home and yard filled with all sorts of plants, I decided to try just two houseplants. I picked out the ones that were supposed to be the easiest to grow. I followed directions and tried to do everything right. When they looked near death I had my friend pick them up. Several months later I asked her how they were doing.

"They are recovering," she said sternly,"And they never ever want to see you again."

Our back yard garden is rough this year. My husband was able to grow many vegetables in our garden before. In the clay soil where we used to live all you had to do was skip backwards across a bare patch of earth, while whistling madly and spilling seeds from cup. Florida is another matter. We had three zucchini's, one cucumber, and two teeny green tomatoes that fell off the vine way too early. Now the plants that are left are just big leafy green plants. There is no hope.

My husband still wants to water the vegetable plants and keep them alive. Sometimes he works and asks me to water for him. I humor him and splash some water over the plants, but if they haven't done anything by now is there any hope for them? I was enthusiastically watering this one tomato plant in a corner. It sits outside my kitchen window and I remarked to my husband how tall it was getting. I'd never seen a tomato plant six feet tall before.

"Honey, I never planted anything in that corner." he said

"But, I've been watering it for you." I replied.

At least now I know that I am finally capable of growing a weed. The straggly six foot high weed is now sporting demented looking daisy flower things on the tops. It waves it's leaves at me and winks as I do dishes. Maybe we'd better try container gardening next year so I know what to water.

Gardening is a great money saving activity. Some people are even able to sell their surplus and make money with their hobby. We should definitely all try new things and see if they help. It also helps if we know our strengths and weaknesses as well. I know that I am a thrifty shopper and when there is a really good sale on diced tomatoes or spaghetti sauce, I can use my coupons to stock up because I can't always count on the bounty from my garden. Whoever heard of a person only getting three zucchinis from several plants anyway?

My Favorite Hoarder, or How Not to Stock a Pantry

One of my favorite shows is A&E's Hoarders. I know they have problems and you may argue it is wrong of me to be so voyeuristic with the mentally damaged, but I cannot look away. Mind you, I watch as I do laundry, dust, or de-clutter. It is difficult to just sit and watch unless you tidy up a bit at the same time. Just try it, I bet you can't. As I watch, I look around and see in my own home a pile of laundry that needs to be washed immediately, an overflowing box of newspaper that has to be taken to the car for recycling the next day, or at the very least a smudge on a mirror.

I re-watched my all time favorite the other day. Jill had an entire house stuffed full of expired and rotting food. She held onto a bookcase full of boxes of chicken broth that had expired three years previously. She said it wasn't bad yet because it wasn't puffy. Not being puffy was the excuse she also used for wanting to hold onto the green meat in the freezer, and the eight month past the date yogurt in the refrigerator. At one time the woman had gone through a period when she was poor and hungry. This affected her deeply and she reached a point where she bargain shopped for food, bought way more than she could possibly use, and stored it everywhere.

My favorite scene was when the man in the hazmat suit was shoveling a blackened rotting pumpkin off her living room floor and she stopped him. She said it had been the most beautiful pumpkin ever when it was alive, then she plunged her hand into the rotting goo to save a few seeds to plant. Wow!

With all this talk of stocking a pantry, it is important to purchase only items you would use anyway. Purchase the quantity of items you will be able to use before they expire. If you only eat canned tuna once or twice a year, don't bother to buy more than a few cans when they go on sale, and don't go overboard with perishables either. The point of having a pantry is to have good food available when you need it, not to buy it cheap and then throw it away.

A Glimmer of Better Times?

My husband has been discouraged every week when he looks in the paper to find less than five jobs. Even the fast food jobs that people say are always available are not there. They have a staff already, and believe it or not, they rarely hire in our area. You see the same faces for a long time. People are not able to job hop as they once could.

He drove two counties away to apply for what was advertised as warehouse and sales positions. It ended up being a small building with a few freezers for those people that sell meat out of a truck. They wanted to hire everyone that showed up. We have no idea what these guys are paid, but it just seemed to risky. Who buys meat off the back of a truck anyway?

Yesterday, he applied at a job not too far from home, and with his telemarketing experience he was hired immediately. It may work and it may not, so without quitting the other job he's going to try it out. The job is as an appointment setter for an air conditioning company and it is commission only. I figure, it's Florida where air conditioning is a necessity and he is good at phone sales so.....We are hoping to at the least bring in a little extra income. We need it so badly right now.

Bills are paid but there is no breathing room. We've also managed to keep Chloe in food and insulin without dragging out the credit card. However, this morning she is worrying me. She always eats, and has been as healthy as possible for quite a while now. This morning she refused breakfast. She was able to go on her walk although she moaned a lot. I gave her some apple in case her blood sugar had dropped, something that regularly happens in the morning. She usually eats right away after her treat. She didn't. We will take her to the vet if she hasn't improved by tomorrow morning. She's eating lunch now and that's a good sign.

We are employed when many are not. We have a place to live and food to eat when many go without. Our survival skills are strong and life will improve. Perhaps we'll even have healthcare one day. Here's wishing everyone out there health, happiness, and future prosperity.

Micro-Frugality, or Making it on a Diminished Income

Upon first glance my financial situation may seem grim. How many lower class Americans can receive a drastic downturn in regular income and keep going? How often do many of them fall behind in rent, or have their electricity and/or water cut off temporarily. As an example here my husband has a co-worker that had his water and electricity cut off, and I have a co-worker without electricity right now. Unfortunately, this happens more often than you think.

We will be fine and the tough times will pass and this post will explain how. For those of you already living a frugal life you may be bored to tears and I apologize. For those new to frugal views or recently impoverished, I hope I can help in some small way.

As emphasized in "Your Money or Your Life" by Joe Dominguez and Vicki Robin it is very important to track your money. Know what you have, what is outgoing. and what is incoming. This is no time to spend it when we have it and then wonder where it went when the bill arrives. This money tracking does not need to involve fancy spreadsheets, computer software, or ankle bracelets. Just get a notebook and find out here you are. Keep it simple and you will be more apt to keep up with it.

My system is as simple as it could be. I have a three ring binder in my kitchen, with pockets for unpaid bills and receipts, and a calendar I printed from the computer. Each month I keep track of when bills are due, when pay will be coming in, and even when heart worm medication is due. I also estimate how much checks will be so I can determine how big a payment I can put on that last credit card, or if I can afford an item I want to purchase. In the past, many years ago, occasionally a bill would be paid late, not always because we didn't have the money, but because I was disorganized and the mail was misplaced. Never again! I look in my book each week and I know that I receive a check on this day and two days later the electricity and car insurance are due.

For the past several months I have been purchasing a box of food each month through Angel Food Ministries. There are no income requirements, anyone can participate, everything is fresh and I have never found a spoiled or out of date item. I've compared prices and found it is well worth it. I can purchase the same foods for about the same prices if I wait for sales, buy chicken one week, ground beef another, etc. This saves me money and frees up my time. My tiny freezer is stocked once a month with steak, chicken, frozen vegetables, and other varying items. A few pantry items, milk and eggs are also included. I complete my grocery shopping at a produce stand and a bread store because their prices beat the supermarket. The best bread store I found actually has fresh bread at discount prices. Before you say it, no I don't drive all over town. If I need to go past either place on another errand then I will stop, otherwise I don't make a special trip just for one or two items.

Angel Food Ministries

I have a large pantry that was well stocked when times were better. When an item that I will use anyway goes on a really good sale I will purchase several. As long as they keep well, it won't hurt to have ten of an item in the pantry. Sometimes tuna, salmon, or canned chicken or vegetables go on a really good sale. These items can be used for a thrifty recipe on short notice. Pasta, rice, beans, fruit cups, pasta sauces, granola bars, nuts, all of these items and more go on sale for at least buy one get one free prices and lower if you use coupons. As long as you use these items anyway, you won't be wasting your money.

For several months now, I have not shopped to replenish my pantry, and we still have plenty to eat. Shopping lately has consisted of one box monthly from Angel Food Ministries then bread, milk, sandwich meat, cheese, and produce weekly. The current grocery cost for us per month $90.00 to $130.00. Dog care costs considerably more but she has major health issues.

We have one credit card to pay off, one last payment for our washer and dryer (six months/zero interest,) rent, cable/Internet/phone (no cell phone,) and water. We've been steadily getting rid of debt to the point that we seem to drop a bill off the list every few months. At the bottom of my calendar I keep track of my total debt, and have been happy to watch it shrink slowly but steadily.

That is how we are able to survive without assistance. We stocked up when times were better. We are organized and diligent in bill paying. We know what we earn and and what we can spend, leaving enough in the bank for the rest of the bills.

We also have savings, which even in difficult times I add to. It may be twenty dollars or five, but it is something. We are also determined not to panic and spend savings on anything unless it is a dire emergency. That may have to become our moving fund if a job opportunity presents itself, or emergency bus fare for a child or other relative in need. It's important if you do have savings to preserve them at this time. That's how some of the homeless families you read about end up in their situation. They reached a point where they had to use their savings for day to day living expenses. It's a sad feeling to see your emergency fund vanish.

I still have my emergency fund, the pantry is stocked, and none of the bills have been late. This is just a temporary, difficult situation. It shall pass. We are still employed, and we have each other. Life is still good.

All Tied Together

Today was a day off spent puttering around the house, leisurely accomplishing just a few tasks so I could claim to myself that I did something constructive. Laundry dishes and all those little things that build up when you work several days in a row and refuse to give them the attention they need.

There's always financial and economic chatter on the web. It's funny how one theme will be brought up in one area and spread to a dozen other sites each with a different viewpoint. Donna Freedman linked to some great sites and discussed a popular goal of many workers. She had a different viewpoint which I completely understand.

see her post here

It's the battle of the work yourself to the breaking point to collect a million versus the take it slower and enjoy the little things crowd. No, just kidding, there is no battle. We all have different lifestyles, philosophies, and circumstances.

The thing about today that was particularly interesting was the surprising moment when real life and virtual life collided. I had a pile of coupons to be clipped and sorted and a DVD, covered in a few layers of dust. It must have been a few months ago when I promised a friend I would watch it.

I've read one of Eckart Tolle's books but hadn't heard him speak before. Perhaps I wasn't in the mood or doing too much while I was listening. My night went like this for a while; clip a few coupons, zone out, snooze for a few minutes, then repeat. That is until I heard this:

"After ten years of struggle and stress and negativity finally you become a millionaire. Finally you've made it. It's pointless, you've been unhappy for ten years, you'll continue to be unhappy even with your millions and in the process of making your millions you've made many other people unhappy. And that's called success." From "Finding Your Life's Purpose" by Eckhart Tolle.

I'll stick with my simple pursuit of happiness while being as financially responsible as possible life. At this stage in the game it would be too much of a mad dash to the end to chase that much money. I'm not saying I would rather sleep on the beach and eat out of trash cans, it's just that I can live on a lot less than that and still reach happiness. Even today, washing dishes, talking with my children on the phone, clipping coupons, a simple dinner of beans and cornbread with my husband....I was happy.

How Much is Enough?

During my virtual stroll the other day I came upon a post by Len Penzo that has stuck in my mind. I tried to create a link here, but my skills are lacking and I'm running out of time before I have to go to work. Please forgive me. You'll just have to go to lenpenzo.com and read the original titled "If you can't live on $40,000 per year it's your own fault."

This article had me pondering the many levels of poverty in our world. What may be unbearable poverty to one may be living well to another. I am one of the working poor. While my living conditions would not be ideal to many, I am surviving. I see others on the same wages struggling in much worse conditions than mine. On the other side, it would be horrifying for many people making above $100,000 to survive on what I make per year.

Surely, I do have empathy for the struggle of the newly poor this economy has created. I know what it is to be on a tightened budget. I must admit, I don't fully understand the people who refuse to be anything but their former job title, turning down work they feel is beneath them. This thinking reminds me of the few Wife Swap shows I saw where they traded a wealthy, shop every day woman for a woman who worked low paying jobs or ran a family farm. That was culture shock for them.

For those of us with open minds, those that can picture ourselves in other situations and wonder "What would it be like if....?" I have a question for you. How much do you need to just scrape by? And, what is your magic number, the salary that would leave you comfortable and set and make you feel as if you had truly made it?