In this moment, I know the truth.
We are going to be apartment dwellers for at least two more years. I like being a renter in some ways, well, most ways really. I have checked calculators to see at what level owning is smarter than renting and can’t wrap my head around it. With Mr. Brickie being injured and off work for four months on the 18th everything feels unreal. Plans are nothing but dreams and we are living day to day.
We did get kittens from the County Shelter, though. Not the greatest financial decision since they cost $50 each and then we had to buy litter boxes and litter and food and take them to the vet for an initial checkup. They did already come neutered and with some initial vaccinations so the $50 was a great deal, but it was still money.
I also dropped the first $650 on Middle Sisters Orthokeratology (OrthoK) lenses. She has had them for a week and they are AMAZING. They’re hard contacts she wears overnight while she sleeps. They come out in the morning and *poof* perfect vision all day. She will never have to worry about her glasses or contacts while in a pool, while working out, while playing sports, while riding her bike. It’s probably my proudest moment as a parent to be able to give her that. Especially now that she seems to be over-the-moon in love with volleyball. No sport goggles. Hallelujah. I bought them with money I set aside from selling that domain name or I don’t know what I would have done. To be honest, I probably would have put it on a credit card. It’s my kid’s eyes and the lenses also reduce how severe her myopia will get through her life. It’s not convenience, it’s a possible life-changer. She’ll never have to worry – like I do – about retinal detachment.
Every night I put her contacts in for her. It’s awful. Tonight she will try to do it herself. I’m scared, but I know it has to be a hundred times easier to put them in your own eyes than to have your mom’s finger coming at your eye, right? I have soft contacts and can’t imagine someone else putting them in my eyes. I mean, it’s not physically awful, just uncomfortable for me knowing she’s uncomfortable with me coming at her eye with my big ol’ finger. (Tuesday update – she puts in her right lens and I put in her left. When she has the right lens mastered I’ll have her work on the left eye.)
How We Spent It!
Workman’s Comp: $721.30
Car Payment: $285.93
Subscription Savings: $50
Medical Savings: $15.37 (I went over on cat stuff last week and needed to put $15 back into this category)
The weekly checks get spent like clockwork these days. I still have an excel sheet (okay, a Google Doc Sheet, whatever) where I look at the current month and the next month in case something changes or comes up, but I don’t even know if that’s necessary anymore. I could just write where the bills go on an index card and tape it on the wall.
Which is pretty much my dream for how easy I want my budget to be every week. One index card. Heck, I could probably fit it all on a post it note. All leftover money goes to a credit card but right now there is no leftover money because he’s making 70% of his income home injured. (NOT that I’m complaining, thank goodness for workman’s comp or we’d be under a bridge living in a box. You think I’m exaggerating. I don’t see another outcome.)
How We Spend It Paycheck by Paycheck (after gas/groceries/tolls/spending money categories are filled which is $370/wk.)
1st Check: Credit Card AutoPayment Bills (domains, cable, cell phones), Medical credit card minimum payment, prescription payment, union dues payment
2nd Check: Car Payment, Subscriptions (amazon prime, hosting, costco membership, car registrations)
3rd Check: Nipsco, Insurance Savings
4th Check: No bills (Usually rent savings but I used the domain sale check to fill this category up)
That’s probably going to change next month when I figure out what our weekly cat expenses (food/litter/savings for vet bills) will be.
I need to fill the Christmas category and Summer 2017 category but I am pretty sure those won’t see a penny until Mr. Brickie goes back to work. I need to replenish the emergency fund because school supplies and cat stuff (neither one a real emergency) have me down to $493. September is a five check month regardless of Mr. Brickie being home or at work but I can tell you right now that if he could go back to work during a five-week month that would really go a long way to getting jump-started toward Christmas.
To mention Christmas is to summon an angry, magic blue fairy who comes down (or up) and curses me immediately. Saturday Mr. Brickie took the car in (because I was tired of him pooh-poohing the low tire pressure light every time I mentioned it) and there was a slow leak in one tire (covered by warranty) and the other tire had such low treads we needed to replace it … because it was a summer tire. No wonder I hated driving in the snow last winter. There went $169 I wasn’t planning on spending…but hooray for good tires for this winter! A good thing to come out of this is Mr. Brickie promises he’ll never doubt me again when I say something is wrong with the car. I know he meant it in a good way but my brain was like, oh, okay, it only took 13 years to convince you. Nice. (All the side eye. All of it. All for him in this moment.)
Or maybe my budget got thrown in the dumpster because I was talking about how smoothly it was going and how everything had its very own check.
But it probably happened because the tire treads wore down from use and it was just time to replace the tires.
The angry blue fairy is way more fun though, isn’t it?
On the super-bright side it’s looking like he might be cleared for work at his next appointment with the orthopedic surgeon September 7th. It’s all up to the doctor, of course, so I’m trying not to be TOO hopeful but by golly there’s a spark of happiness in my heart. He could be back to work next month. Yes, I was hoping for this month, but again, I trust the orthopedic surgeon and he’s done right by Mr. Brickie since day one. I really respect the guy.
In the meantime, Mr. Brickie is going to physical therapy and practicing laying mortar at home so his skills aren’t trashed when he goes back to work. He’s doing everything he can to get back and I’m so proud of him for working so hard to get well and go back. His work ethic is a beautiful thing.
I started writing this on Thursday and now it’s Tuesday, the day before school starts. This blog post should be amazing with all the time it’s taken to write!
So all the things I thought I had MORE time for this summer (writing, breathing, etc.) I actually had less time for with the whole family home all day. I will do my best not to forget that again.
Money is tight but not overwhelming. With Mr. Brickie on workers comp we qualify for reduced breakfast/lunch rather than free this year, which I’m cool with. My job is to provide accurate paperwork. Whatever I qualify for is based on a chart and I’m thankful for anything, really, because every little bit helps our forward momentum.
But let’s be honest…nothing is going to help like him going back to work is going to help. Now I have “It’s the Final Countdown” stuck in my head.