Tag Archives: Patience

How We Spent It 9-8-2016

how-we-spent-it-workmans-comp

First, I would like to apologize for the twenty half-written pieces of crap I have not finished and posted.

Second, you’re welcome because I didn’t post twenty half-written pieces of crap.

MR. BRICKIE GOES BACK TO WORK MONDAY!

It deserves all caps, I promise.

Here are the bad decisions and good decisions I’ve made this month that cost tons of money:

  • OrthoK lenses for Middle Sister $1100
  • Chest freezer $140
  • 2 Tires $165
  • 2 Cats $700 (this includes two vet visits with a range of shots and a year of revolution) the cats also have a lovely godmother who donated $100 to cover the adoption fee because they are shelter kitties and she wanted to support that. (It happened after the fact and had nothing to do with the decision.) I am very appreciative!
  • Steam Cleaner $60 (on sale – $20 off!)
  • OIl Change $33 (was a special)
  • Shed ($250)
  • Volleyball for Middle Sister $300
  • Swim Team for Little Sister $400
  • Paint for living room $70
  • 2 of those 9 square storage cube things for the living room and bedroom and six cubes to go into the cube things $90
  • 5 clearance T-shirts from Old Navy $30
  • Probably more things I’m forgetting right now.

As much as I could I covered within the budget and the rest is new credit card debt.

This is why Dave recommends cutting up all your cards so you can’t go back to using them again. He knows you’re going to get tired of not being able to buy a box of waffles, a package of ground beef, and a package of chicken from Costco and not have them all fit in my freezer (I have a basic apartment-level freezer because I live in an apartment. It’s very nice and I’m not complaining, but it’s an apartment with an apartment refrigerator.

I don’t regret any of the purchases. The cats and the paint have made my anxiety plummet. More than anything I was freaking out because I did all this spending BEFORE the doctor appointment where we knew Mr. Brickie was going back to work on Monday. It was a gamble and I hate gambling but I did it because I just got so tired of being so careful all the time.

Not, like, normal “I’m so tired of this crap” but this ground-down boot-heel-on-my-neck tired. I was over everything and didn’t care anymore. I had run out of steam to keep my husband and kids not worried and feeling like everything was normal for the last almost five months while he healed. Tired of pretending I wasn’t scared and making sure I only cried in the shower. Tired of not knowing what the next year would look like. Tired of berating myself for putting all our eggs into one bricklaying basket and not knowing if that was going to work out after all.

So tired.

The thing is, I don’t regret the purchases and I don’t think paying for them is going to cause a problem. I sacrificed our future earnings for present comfort … while he was injured. It’s not like I decided we were going to live beyond our means. I might be rationalizing but come try and get me to return something and I assure you rationalization or not I’m perfectly content with the level of spending and all the decisions. Nothing was an impulse buy.

It’s Thursday and how we spent it for Check 2 of the month is easy because it’s household stuff and a car payment. That’s it. We are budgeting $87.75/wk toward cat care. It should cover food, litter, and savings for their annual vet visit plus annual revolution when they need that next year.

But this morning I had $177  in spending money. Usually it’s $200 but we were a little short this week because of the cats being an extra expense. So I thought to myself, “This should be easy. Kids are in school. Mr. Brickie is going to start work, I don’t leave the house…I won’t spend it all!”

Hello Thursday at 9:25am…

  • A new cooler (his was ruined on the job site after his injury) for Mr. Brickie ($20)
  • Two kids have school pictures today ($64) ← cheapest package for each
  • Celebration lunch with margaritas Wednesday! ($30) ← including tip!
  • Oil Change yesterday for Mr. Brickie ($33)
  • Swim Cap for Little Sister ($10)

So I’m at $20 in spending money until next week. Yeah…that might work but it might not. I’m not sure. It depends on Mr. Brickie’s lunch needs and if some other random thing comes up for one or more of the three kids I have in school. I’m not complaining, we got to celebrate and it felt great.

Now I have to spend some time on financial projections and figuring out how to fix all the credit damage I’ve done to us over the last month. I also have to figure out exactly how the transition from workman’s comp checks to work checks is going to happen. I have to look up when he was getting paid before his injury.

Okay. It looks like he will get his last workman’s comp check Thursday, September 15th and the first direct deposit from going back to work will be Thursday, September 22nd. I am guessing the direct deposit will be smooth because it’s the same company as before and so he already did the “waiting thing” where you get a check first and then you get direct deposit after that. It could actually be a seamless transition. Fingers crossed.

These are the things I worry about at 5am.

Plus the fan that brings the air conditioning from the bedroom window unit to the living room just broke. So…that’s another unexpected expense. I’m so tired.

I know we are doing great because even though there is $7 in my emergency fund I have three months of rent in a savings account. Things aren’t bleak or even dark. I should even be able to replenish the emergency fund back to $1000 by around the end of October (okay, Little Sister’s Birthday is coming up so maybe that might put us back a little but not much) so I know this bone-tired feeling is temporary.

It might be the memory of this feeling – a feeling that was constant and unrelenting for a decade – is too easy to conjure. Emotional muscle memory of a sort. We had just gotten out of this scary place and found ourselves back in a version of it that was different but looked awfully similar.

I really look forward to getting back on the five year plan track we were on. This has set us back more than I would like but it didn’t derail us, and that’s what matters.