Tag Archives: Kids

Paying Ourselves Back and Injury Progress

My tooth is fixed. It chipped again four hours after the repair appointment but it’s a small chip so I’m leaving it be until my follow up in two weeks. I think my bite is back to where it was before I started this whole extensive dental process so leaving it alone is the extent of what I’m comfortable doing right now. She asks me at the end of every appointment if everything is okay and I don’t understand how she doesn’t understand that it takes a few days for the jaw to realign and settle to see if it’s really working out. Plus she always has me check my bite while I’m laying back in the chair…when my jaw is settled back…so every time I bite myself because no one chews while they’re laying on their back.

I’ll have her maybe buff the sharp corner the tiny chip made. That’s it.

I think it’s time to find a new dentist. *sigh*

Tennis has been straightened out but the coach keeps forgetting to show up with the rackets we said we would buy for the girls. As long as they have loaner rackets, I don’t care, but it would be nice for them to practice with one another at the local tennis courts this weekend and that’s going to be impossible without rackets. They’re cheaper through the coaches vs. anywhere else, which is why I’m even bothering to wait.

In money news last week was stressful because we got the check a day late and my budget is basically done to the minute. I did have some leftover money that was supposed to go back into the rent savings to replenish what I took when I paid off the Macy’s card. It’s hiding in an “Other” category in the budget just in case. Hopefully his check comes in the mail today so it will be available tomorrow and I can deposit that “Other” money into savings and then put this week’s money that’s to go back into savings in that “Other” category.

I know it’s silly to have (basically) two buffers in the budget but things keep creeping up on me and I’ll be damned if I count wrong and have all my savings accounts shut down for doing 6 withdrawals in one month. I’ve been too addle-brained from stress to count on my memory or any other system that will keep track of the number of withdrawals. I think I’m at 3 right now. I figure there’s no need to push it when a bridge buffer is easy to handle with the budget program.

I’m still a little unsure how to handle five week months. The last day of the week is the first day of next month. If the check comes late and it clears on the 1st should I be using that for July expenses? If I do that turns July into the five week month so it doesn’t really matter either way, I don’t think.

We both know it’s best to wait until the mail comes to make that decision. The extra check is going toward rent savings anyway.

Next month we are back to being able to live off of three out of four checks. Summer activities killed me this year. At the end of summer I’m going to add up everything we spent and when I’m done crying over my bad money choices that made me feel like a good mother I’ll put that as a goal for next summer so it’s not a scramble.

Mr. Brickie has to go back to work sometime. He has an appointment today with his orthopedic surgeon. His surgery cut is healing beautifully and he doesn’t really wear the cast that often except when he drives or sleeps. He is hopeful the doctor will tell him he doesn’t have to wear it anymore after they do the x-ray in the office today.

I’m thrilled because his healing means he’ll be back to work soon. It will make everything normal again. Plus that healing means we are that much closer to finding out what the settlement is going to be. I’m thrilled the insurance paid him enough to live on. I didn’t know a settlement was even a thing until someone told him about it at his union meeting. I didn’t know until then there was such a thing! Now I know it’s based on how much use he’s lost permanently in his wrist and that means the settlement can fluctuate between, “Oh, hey, let’s take a weekend vacation to a local hotel with an indoor pool and order room service.” to, “Oh hey, let’s pay off all the debt except the student loans and have a fully funded 6 month emergency fund, too.” So here’s me, basically using the emergency brake in my brain to keep myself from counting different amounts of chickens before they’re hatched. It’s difficult because trying not to think about things is darn near impossible.

Is it any wonder I’m having trouble sleeping?

I Keep Spending…and Spending…

Is it a bad life decision to drain my emergency fund to pay for summer activities? Yes!

Am I doing it anyway? Yes!

I’m not sure why. I think it’s primarily because I worry I’m not a good enough parent. They aren’t over-scheduled and they will have 17 unscheduled days in August to just veg and read and do some worksheets before school begins but June and July have something or another every day for an hour here or an hour there. There are “better” camps I would like to send them to. There are math camps and specialty camps and electrical engineering camps I can’t send them to and it hurts my heart. I want so much for them. I want them to try everything before having to do the “adult thing” and choose something to specialize in the rest of their lives. I don’t want them to drift, like I do, unattached to any particular specialty at all. (I do love math, but a 40 year old who’s good at math is great for helping kids with homework and not much else unless you’ve already been specializing beyond that point, I think.) So they are swimming, learning tennis, attending a day camp for dance, one is in a summer volleyball league, two are going to overnight week-long camps, and two might be attending a volleyball day camp. It’s a hell of a list.

Plus my oldest decided she wanted to volunteer at the library. I couldn’t be happier and I told Mr. Brickie, “If she felt over-scheduled, she probably wouldn’t have added something else on.” I mean there are some kids who would and I don’t think she’s one of them but maybe she is and I don’t know it. They still have enough time to do chores, do a couple workbook pages a day, and fit in screen time so that doesn’t feel like a lot. I guess you never know until you’re looking back.

Let’s stop with that train of thought for now. It’s a rabbit hole I may never escape. Let’s talk about credit cards!

I withdrew the money I had been saving in my Digit account ($208.54) and put it toward the Macy’s card. I’m done. I don’t want to think about it, I don’t want to talk about it, I want that card paid off and out of my life. I love my bed and it was absolutely the right decision to put it on the card but it needs to not be part of my life anymore. After the $208.54 payment the balance is $371.61 and between some creative accounting (putting off a bill until the fifth week of this month) and raiding the rest of my emergency fund, I’ll pay that off this Thursday and will feel like I accomplished something.

I haven’t had a financial win in a while and I think paying off Macy’s is just what I need to get me back on track and focused again.

Mr. Brickie is in physical therapy twice a week and does exercises that hurt like hell every day. He just wants to go back to work and I feel so bad for him because there is nothing I can do to help other than be supportive and tell him, “You can do it!” Which usually is fine but sometimes makes him glare at me because it hurts and I’m being super chipper and I’d glare at me sometimes, too.

Other than kid events and physical therapy it’s like our lives are on hold. We don’t go out, we don’t do much, we try not to spend money. It’s beyond boring.

OH OH OH OH OH I ALMOST FORGOT!!!

I did get new glasses. I mean, I didn’t GET them yet, I ordered them and they’re being made right now and I’ll be able to pick them up sometime in the next week when they’re ready. It seems that since I’m getting all old and craggy my eyes are getting more dense so my glasses are a little bit TOO powerful. It’s the reason I haven’t been reading books. My close vision is a mess because of my glasses. So when I get the new glasses I can read again!

I had seriously started to believe I was just giving up on life because reading is such a fundamental part of who I am and I pick up a book and it just feels like too much effort and it makes me so sad but now I know it wasn’t me, it was my glasses, and I’ll be able to read again soon!

Also, I did something I’ve never done before in the name of not messing up my eyes as I get even older. I ordered prescription sunglasses. I don’t wear contacts so saying I can just wear contacts and normal sunglasses is a pipe dream. In order to keep my eyes cataract-free as long as possible I neeeeed sunglasses. So I ordered some. They’re amazing. I hope the lenses are dark enough.

That being said my first pair of glasses were mostly covered by insurance (they’re never entirely covered unless I opt for such thick frames my eyes look giant and distorted) and the sunglasses were 30% off. It was still expensive at right around $600 for both complete pairs, but I won’t need glasses again for years and if the regular pair breaks I have my current ones as backup and we should be in a better position next year for glasses buying (I hope!) so maybe I can get a pair a year just because they’re cute and I can have options.

Wouldn’t that be dreamy?

So I’m afraid I’m ruining my kids because of the camps they are (and are not) in. I spent a bunch of money on glasses. I’m paying off the Macy’s card this Thursday (finally) even though it might not be the wise financial choice.

This has been my week. How is yours going?

I seriously cannot wait until Thursday when I can do the, “No more Macy’s” happy dance!