Showing posts with label poverty. Show all posts
Showing posts with label poverty. Show all posts

Tuesday, July 24, 2012

Snorkeling Mortgages

Whenever my financial situation threatens to overwhelm me (about every 3 - 6 years), I refinance the house.

This plan isn't working anymore. Ma Maisonette is estimated not to be worth the 20% down it would take for the refinancing.

I also believe that home prices have not bottomed out yet.

I don't want to have an underwater mortgage. I don't want to scuba dive to my front door. Even snorkeling (which I never have been able to do without getting a snootful of salt water) is beyond my capacity.  So this leaves me with the obvious:

- Spend less (a lot less, somehow)
- Try to find a way to make more money without abandoning the very sweet position I'm in right now.

Dr. A said take a vacation? I say, "Fie!" As I usually do when faced with my less-than-joyful financial situation, this morning I made lists of things I can do for free.

  • I still have plenty of yarn.
  • I recently bought some art supplies. Time to make use of them.
  • The bike rack for my car works just fine. And when I inflate the tires on my bike, they'll work fine, too. I just need to hie me to a nearby park and go for a pleasant ramble. Yes, I know it seems silly to drive my bike someplace, but this is Jersey and the roads I would take to a park might prove my undoing.
  • The cats! Play with them, groom them, pet them. Hug them and call them George.
  • Um...I do write. So write I shall.
  • The house! The freaking house! Still not set to rights eleven months after Irene. It. Is. Time.

See? Plenty to do. No, it isn't going to the Borgata and it isn't going to Happy Valley, but it should be recreational. Something to take my mind off my financial difficulties of the moment.

And life goes on.

Tuesday, March 15, 2011

Work is Hard

This morning, I have:

- Re-upped on Dice and Monster.
- Signed up for the Harvard Business Review web site, which has a lot of good info and not nearly as much snootiness as expected.
- Applied for three jobs online.
- Gone out to the local food bank, only to learn they are open on Monday and Wednesdays.
- Sent a letter of inquiry to a technical writing agency.
- Began cleaning out my way overloaded email accounts.
- Had a snacky.
- Pandered to Gussy. I found him sitting under the kitchen heating vent, so I cleared out all the junk, put one of his beds next to the vent. Then I put a big pan of water on the stove to humidify the kitchen. Sheesh.
- Started a load of laundry.
- Avoided really looking at the house.


I was in a weird mood yesterday. I didn't know how to shake myself out of it, so I took a nap.

I am so cold all the time. I have the heat on 68F and I'm freezing. I think I need to drink more tea.

Oh, and insomnia has come bouncing on my chest in the morning. Wakey wakey! Rise and shine, campers! Heloo, wake up now! Are you awake yet? No? How 'bout now? Now? And because yesterday was so strange and so depressing, I have a to-do list that should keep me busy all day and well into the evening.

Alas, I have learned that there is no place in Jersey where I can sell my plasma. Pffft.

Wednesday, April 21, 2010

Updating the Score Card

iPod - No
Phoebe - No
Phoebe's Drugs - Yes
Gym membership - No
Roommate - In the works

I returned the iPod on my way home from work. Got the car gassed up. Picked up Phoebe's drugs, knowing that I now have enough money in my checking account to pay for it ($200). I went to the vet's and Phoebe was brought in, wheezing at me.

I told the doctor I wasn't comfortable bringing Feebs home. She was having trouble breathing. The wheezing was still there. Hello, Phoebe, I love you, goodbye.

I resigned my gym membership, which is still active through the end of May.

I spent most of the day, laboring away at a spreadsheet that figures my income and outgo, week by week, from now until the end of the year.

The only way I can do this is with a roomie.

I'm signed up on roomiematch.com, which is how I met up with MD. It is also how I met up with the legendary Maharincess. I'm hoping for an MD.

Without a roomie? I cannot begin to imagine. With one? Possibly just as scary.

Thursday, September 24, 2009

Really Bad News

After Hunky Vet and I had our own private consultation, this is what I walked away with, besides a cat, a bill for $1,000, and a bag full of medicine:

Gus likely has cancer. He's in kidney failure. He has major heart problems that can't be treated.

In short, from my educated look at Gus, he's got maybe a month. I said this to Hunky Vet and he sighed. "You know cats. You know what they're doing."

Yes, I knew this morning that Gus was probably on the road out. But I also knew I couldn't forgive myself if I didn't try to do something.

I signed up for some payment plan that I'll be paying off long after Gus is gone.

I told Hunky Vet that my aim now was to keep Gus happy, contented, warm, and loved.

Gus is on hospice care.

But he always takes it, Gussy does, like such a trouper. He's the gentlest cat I've ever known.

And as it turns out, if I had a choice between Gussy's life and a trip to Paris, I'd choose Gussy's life. That somehow reassures me about myself.

Tuesday, August 04, 2009

In Which the New York Times Prints News That Isn't News

Yesterday, the Times ran a story about people who had been laid off and never managed to get back to the place they were before the layoff.

Guess what? Most people who have been laid off never make it back to where they were.

I know this. I feel this acutely.

Hop in the Wayback Machine.

1989 - I am working for Mighty Citadel and work my way up to a salary of 3x. I've saved money and decide that now is the time to try writing full time.
1990 - Income: $0.
1991 - Income: $0.
1992 - Income: $240. I sold two short stories to Alfred Hitchock and Ellery Queen Mystery Magazines.
1993 - Income: $350. Alfred and Ellery to the rescue again.
1994 - Income: $0. Xman and I moved back to Jersey.
1995 - I go back to Mighty Citadel as a contractor. Income: 2x.
1997 - Evil Empire hires me. Income: 3x.
1999 - Xman and I go our separate ways.
2002 - At Evil Empire, I work second and third shifts and overtime. Income: 4x.
2002 - Evil Empire lays me off.
2003 - Income: $0, not including unemployment.
2004 - I temp at Big Insurance Co and Mighty Citadel. My first gig is for $9 / hr. Eventually I work my way up to 1x.
2004 - I get a job at Fezziwig Co. Income: 2x.
2005 - Laid off by Fezziwig Co. Go back to contracting at Mighty Citadel. I start at $18 / hr and work myself up to 2 1/2 x.
2006 - I get hired by Unnamed Co. Income: 3x.
2008 - I get laid off by Unnamed Co after reaching an income of 3 1/2 x.
2009 - Income: $0.

Now I see, too late no doubt, the cost of this. It's taken some time to realize the impact. Not only did I lose salary, but I decimated my savings not once but three times, wasn't able to build on a pension and wasn't able to contribute to 401Ks in most of that time. Whenever I could, I did.

Will I ever be able to hit 4x again? One hopes but one has one's doubts.

The Times got comments on the story. One commenter said he was now making less than half of his salary but "we learned to live differently. No cable tv, no week long vacations to exotic places." And he continued along in this vein and everything he said was familiar to me.

I'm still working on finding a job, of course. I heard from a temp agency that might have something for me - at 1 1/2 x. On my way up at Mighty Citadel in the 1980s, my starting salary was 1 1/2 x. In 1983.

Of course, I can't give up. But I know I have a lot less energy compared to 1983. Or even 2004. Hope has turned to wistfulness. I know better now.

Thursday, June 26, 2008

Oh. That Again

Butchy

Yesterday I talked to Hunky Vet on the phone. In the middle of all the tumult about Gracie, I had taken Butch to the vet. And what Hunky Vet told me that I decided not to hear, was that Butch has the same thing Gracie had. He's in renal failure.

Yesterday, I made Hunky Vet spell it out for me, although I've been through this half a dozen times before. Yes, it may be that getting subcu fluids a couple of times a week could help him. On my way home from work yesterday, I picked up the kit, the line, the needles, the bag of Ringer's. In the evening, I marked out the 100 ccs where I could see it, then took Butch with me into the bathroom. The bag was hanging from a robe hook on the back of the bathroom door. I got the needle in him, started the fluid, and told him was a handsome, brave, and wonderful kitty he was.

He got tired of it just as the line reached 100 ccs. The needle popped out and we both got spritzed with the solution. Butch had a bizarre hump on his back.

This evening when I got home, he had peed. And peed. And peed. Had probably peed out last night's solution and then some.

I'm used to this now. I clean it up, spray disinfectant on it, mop it up again, spray more disinfectant, and then pick Butchy up, put him on my shoulder and tell him he is a good, good kitty.

--------------------------------

Lists. And Lists of Lists.

Someone who shall remain nameless mocked me recently for my lists. My lists and then my lists of lists.

There is such comfort in this. It gives the brief illusion of control where little control is to be found and heartens me to control what I can control.

Today, I realized that I don't know how on earth I'm going to afford The Temple to the Bath Goddess. I just barely stopped short of hyperventilating. I totted up all my debt, added that to it and thought, dear God. How on earth can I afford anything?

I get my gym membership at a wildly reduced rate and I have been going, so I'll keep that up. But everything else - the Sunday movie every single Sunday, the kayaking lesson, the trips into NYC, vacation, books, new clothes, they all get crossed off the budget list.

I've been here before. I know I can cope. Strangely, saving money is like dieting. You do them by not doing them, if you know what I mean. You can't actively go out and not eat. You can't actively go out and not spend money.

Then I made another list, a list of what I have. A list of things I need to do and things that will entertain me. Don't forget, I've got a piano and I'm not afraid to use it. And books and books of music. And lesson books. (Bach is hard. Did you know that? My hands, after nearly 40 years of typing, do not want to do things at the same time. They don't mind doing the same thing at the same time, but you throw a little counterpoint into it and I'm in the weeds.)

Tonight, when I came home I had such a weird mishmash of leftovers that I had to eat each item separately and I couldn't think about them all being on the same plate together. Yeah, the old OCD acts up sometimes, too.

My lists heartily remind me that I have lots and lots of clothes, that I have lots of shoes, books, videos, cats, music, and so on. It does hearten me.

How many times have I been to this place?

When I was in college, living in my own apartment.
When I was dating Xman and my long-distance phone bill was more than my rent.
When I decided to ditch Mighty Citadel the Divestiture Years, when I was going to write the great American romance, no, mystery, no, suspense novel.
When I decided to ditch Xman.
When Evil Empire laid me off.

I've been here before. It's always nice to take a break from it. Oh, I loved that freedom while it lasted.

When people say time is money, I say money is freedom.

Welcome back to this place, I say to myself. As cells go, it's really pretty comfy.

Friday, September 07, 2007

When All Else Fails...

There's half.com.

Ebay.

The pawn shop.

And a lot of icy margaritas (booze purchased long ago) to sip in the backyard to ease the sting.

One of the things that I know has to go on eBay is the Tiny Tears doll I've had since I was about five or six. She's still in very good condition and could probably fetch about a hundred bucks.

Still lots of cleaning out to do. I need to start taking pix.

There's the doll that my father gave me. (In fact, other than my DNA, the only thing he gave me.) Should go for a nice chunk of change.

I'll start taking pix of the funky old jewelry I never wear. I wonder if I could get more than five bucks a pop for the old turquoise rings? Is it even legal to sell ivory beads?

But this doesn't address the larger questions of

1) Why I seem to refuse to live within my means and
2) Why I am scrounging around to pay for stuff when I'm making more money than I've made in four years. I think it's because I really and truly am tapped out. As much as I would go into hysterics about bills, I still had money in savings. Now I don't, except for my sad widdle 401K.

Honestly? I need a job that pays me about $30K a year more to be comfortable and I haven't the slightest idea how I'm going to do that.

The property tax for Ma Maisonette is now over $5K.

The car insurance for The Bullet is $1400.

I have no idea where or how I can get a job that pays me $30K a year more than I'm making now. I am ashamed to say that $10K a year more would only be a stop gap measure.

I'm shaking my head. I have no idea what else to do. I truly don't.

The security system is going. The land line is going. What's to steal, anyway?

The exterminator service is going. I can buy a pail of bug killer and spray it wantonly all over the outside of my house, too.

The cats don't know it but they're going down from three 5 oz cans of food a day to two (plus crunchies - trust me, they won't starve).

But all of this is a drop in the bucket, dear friends. A drop in the bucket.

Steamed

Oh, that Yentl.

I remember back in March when I was begging, pleading, cajoling, crying for dates and deliverables (I am project wallah and she 'owns' the product, but I do not report to her). I had been pleading for at least three months.

At one point, I was standing in the board room with only Yentl and Vendor Girl present, pounding my finger into the table saying, "I have to have dates. You don't give me dates, I can't give you a project delivery date" and was met with stony silence.

This is the last "summer day" Unnamed Co has. I had plans for my half summer day. In the past, I've only taken an hour off early here or there, but today was The Day.

Suddenly Yentl shows up on the phone and in email, demanding to know about situation A. WTF, Situation A? We dealt with that on Tuesday. The Mighty Hungarian took care of it.

This is how I think of The Mighty Hungarian, er, obviously with me on his back:


Anyway, Yentl rags on me for four solid f***ing hours, hours that were precious because Boy Wonder and Former True Boss are in the Land of the White Witch and Fireman Fred is on vay-cay. I had plans for this precious four hours.

And then....and then....when I've finally told her all I can tell her, when I have managed to not go medieval on her, she says.... she says....

Be sure to check your email this weekend.

WTF? I mean really, wtf?

If it were someone I liked...someone who had done me favors...someone who had come to my aid when I needed it instead of leaving me twisting in the wind, I would gladly do it.

But for Yentl?

Naddafingah!

Oh - and what was so pressing for me to do at home? Why, I had to paint the ceiling of my new office/study, right after I did my finances.

Latest mystery, usurping that of why Yentl is allowed to live:

How de cah insurnce goan be paid? I sits and thinks. And nuthin hoppen.

Sunday, August 26, 2007

The Easiest Way to Refinish Your Floors

I've been agonizing for months about refinishing the floor in my spare room / former rental room / the once and future office.

The room is nearly bare now and now would be the time to do it. The first issue was when I could find the time to do it and then recover from doing it.

I set in stone that I'll be taking off next Thursday and Friday.

I totted up the numbers to see about how much it would cost me to do it, renting the floor sander and the edger, buying the various grits of sandpaper, the polyurethane. It came out to about $150, but knowing that projects always go over budget, figured anywhere from $175 - $200.

Even with the Xtreme Thrift program in place (okay, dinner out Friday night was not free, but I'm not perfect, k?), I knew it would be cutting things close. I would forego this week's grocery trip. I've been making do with $20/week for gas for the car, which means I go to work and come home.

But yesterday, I got the quarterly bill from the Pleasantville Sewer Department for $100.

This is easy, then. I just move all my rickety office furniture back into the office and call it done.

There is no easier way to refinish your floors than not to refinish them.

So that's that, then, and that's done.

Sunday, August 19, 2007

The Road to Domesticity

So. Here I am on a Sunday morning. It's cool-ish outside and looks like rain. There were some blueberries in the fridge that were on the edge of 'going', so I decided to make blueberry muffins.

Now what a sweet thought that is, isn't it? Cool, sweet air coming in the windows...the aroma of blueberry muffins baking. Maybe sitting outside later with a book, a pot of tea, and a warm muffin.

Er, no.

Because as I zipped along following the recipe, I tasted a bit of it from time to time and thought, hm, that's a little bit salty, isn't it?

And then - this batter just does not look right.

Well. That would be because I used baking SODA instead of baking POWDER and completely forgot to put in any sugar. At. All.

Still, I'm letting it bake. Failing all else, I'll crumble one or two into a bowl, sprinkle sugar over it, add some milk and call it breakfast.

Yes, children, there was once a time when I was known for my baking skills. Xman wanted to make it part of the divorce decree that I would bake him one yellow cake with chocolate icing once a year. And now I can't even bake a freakin' muffin?

Well, it's absolutely lack of recent experience. I'm not going to let this stop me, though.

When I set out for Push'n'Pay this morning, I had a list in hand. I'd done it in Excel (you would think someone who does her grocery list in Excel would notice the lack of a) baking powder and b) sugar), costing out everything to spend my $30 for weekly groceries. I did it, too. $30.37. The time has come again for Xtreme Thrift. And to get there, I must follow the road back to domesticity. With or without a compass.

Tuesday, January 16, 2007

The Patient Is Resting Comfortably

...under the bed.

I am home. I am hungry. I paid $251.87 to ransom Gus. I can pay the other half next month. (That's right. THE OTHER HALF.)

I didn't want to go to:

Paris
London
San Francisco
Florida
Cape May

And I certainly didn't want to:

Go to a Yankees game
Take that boating safety course
Buy a new car
Get the steering fixed on the old one
Have the brakes looked at
Spend Saturdays at home instead of at a part-time gig

And Heaven forbid I:

Actually get ahead
Actually stay ahead
Be able to afford to get all my cats up to date medically.

I spent $200 on cat food yesterday. If I'm lucky, it'll last them a month and a half.

I just called my old temp agency to see if they can find me something for Saturdays. Surely there's a doctor's office somewhere that needs a plump and comforting middle-aged receptionist to play Solitaire on their PC on Saturdays.

Friday, January 12, 2007

Poor on $6.50 an hour

There was an article on MSN Money written by a woman who is 52 years old and is now making $6.50 an hour. She has fallen from clinging to the edge of middle-class respectability to unoffical poverty. Because she's still hanging on valiantly to her 401k from her old job and she owns what sounds like a tiny house in Montana, she is still not officially poor.

The article first came out on December 28, 2006. Three weeks later, I'm still thinking about it and the responses she's gotten.

People have said she's obviously stupid because she has three dogs and she hasn't gotten rid of them. Well, I have twelve cats and I haven't gotten rid of them. There have been months when the cats have eaten a more balanced diet than I have. There have been months when the cats have gotten better medical care than I have. To me, that was part of the contract I made when I took them in, that they would not want, that they would be cared for, and that they would never, ever wind up again in the hellhole where I found them.

The woman tried to relocate for her a new job, but couldn't find housing that would accept her three dogs. She ended up losing the job and moving back to Montana.

People have accused her of being a new Barbara Ehrenreich. I read "Nickel and Dimed" and it steamed me more at her than at anyone else. Whenever Babs got tired of pretending like she was poor, she ran back home and soaked in the Jacuzzi.

The $6.50 chick and I lived it. We know what we need to do to survive.

Outside your house, you never eat or drink anything you haven't brought along with you. You make coffee at home (whatever's on sale at Big Lots). You make huge pots of minestrone. You eat a lot of pasta or rice. With careful planning, you can buy a week's worth of groceries for less than ten dollars.

You learn how to cut your own hair. You learn how to color it. You find the real factory outlets and buy a bottle of nail polish for fifty cents, hair color for less than three dollars a box. It may seem frivolous, but you work in an industry where appearances matter. You can't be seen as shabby or desperate. You faithfully polish your shoes and make sure your clothes are clean and ironed.

On the weekends, in the dark, you Dumpster dive. Carefully.

You walk or ride your bike or you don't go, except to work. There's a listing of free stuff in my Friday newspaper, but the irony was that I was afraid to use the gasoline to get there.

You give up cable. You give up high-speed Internet access. (True confessions time - I'd rather go without food than not have Internet access. Besides, I got some freelance writing gigs over the Internet.) You use the library for the Internet, checking out books, magazines, music, and videos.

You make it a game, seeing what kinds of meals you can come up with using whatever is in the pantry and freezer.

When you come into a windfall, you spend it on more stuff to stockpile in your pantry. Indian groceries are great for staples. And if a nation of a hundreds of millions of people can get by on legumes and rice, so can you.

Cell phone? Gone. Security system? What on earth do you need it for?

You sell books on half.com. You sell your jewelry on eBay. You are humbly grateful for gifts of food or gift cards that mean you can buy new underwear.

You buy any 'new' clothes at the Goodwill or Salvation Army. (For some unknown reason, I have a horror of buying used shoes. I wore all my shoes to pieces or bought them when Payless had a twofer sale.) Even poor people wouldn't want your old clothes, so you use them for rags.

You use kitchen towels instead of paper towels. You use cloth hankies instead of Kleenex. People think you are adorably quaint.

You start a pet sitting business.

You investigate any kind of programs you can get for job retraining. I didn't qualify for any of them, so I paid for the project management and technical writing certificates out of my own pocket. I used my last savings bonds to do that, but it was money well spent.

I did not borrow money from anyone. Regrettably, I did get into credit card debt. I'm working now on paying that off.

You get a roommate. Twice, I was not so lucky. Once, I could not have been any luckier.

You start a price book. If you don't know what that is, you go to the library and check out The Tightwad Gazette.

You hand-make gifts. Eventually, you start to wish other people would hand-make their gifts, too, because they mean something more than whatever bauble catches your eye at Macy's.

You never let anyone know exactly how close to the edge you are. Still, one or two guess and it terrifies them.

I know exactly where this woman has been.

I rejoice that I now have only one job. There were times when I had four. Possibly five, since I stopped counting at four.

What prompted all this was that fifteen minutes ago, the UPS guy came to my door with my order from Land's End. I have a new coat. I have a new pair of shoes. The coat is not elegant or beautiful. You would never mistake it for something Givenchy stitched together for Miss Hepburn. But to me, it's beautiful. It's warm and elegant. It isn't ripped or torn and the buttons aren't falling off. The shoes are black suede and very functional.

In a way, this coat and these shoes mean more to me than a Fender guitar. This means to me that it's done. That the horror and the fear are over for now.

I'm through it. I have kept not just my cats, but my house and my health. It was three very long years, but I lived through them and I'm not poor anymore.

For that matter, I don't know if I ever really was.