Debt and Unexpected Expenses (the Tire & Ticket edition)

Not my actual tire.

I did not intend to wait this long to do a finance update but life got so busy for a hot minute there!

I started a new job on the 1st. It is not glamorous and it certainly does not pay well. That being said, it is a job (well, contract position) and it pays and I have hope that will be enough for now. It is from home, so that gives me a lot of flexibility with the kids when my husband starts working overnights.

Now for the drama. My husband wrote down that his orientation was on Wednesday, October 9th. (Brownie points to the first person who figures out why that’s a problem). He didn’t put it in his calendar right away so he didn’t catch the problem either. He received a phone call on Tuesday, October 9th asking him why he missed orientation. He apologized and explained that he made a mistake with the date and they were kind enough to give him a new orientation date on the 15th. I get really frustrated when he forgets things (it’s honestly his nature – I know because of our three children the one who takes after him has the same forgetful nature, even with things she cares deeply about, it’s not just being lazy in the brain or not caring.) I wish I could just let it go and be forgiving, because I know he didn’t mean to do it, and I know it all worked out okay, I should feel all good and blessed and happy for a second chance for him, but I’m finding it very difficult to let it go when he forgets things that are this important. (Small disclaimer: He is a wonderful, kind, loving man who wants to work, this is about me not being forgiving, not him being forgetful.)

I need to re-re-do the budget because I’m not sure when he’ll start work or get paid and I can’t miss a mortgage payment because we’re still in the middle of that refinance that will drop our intrest rate to half, allowing us to get through baby step 1 and move back to working baby step 2. I know I’m supposed to work as many hours as I can, but really, six a day has me in tears at the end of my shift so I’m stcking with doing what I can for now and when I’m used to the pressure and fast paced nature of the gig then I can look at increasing my hours. Even now I have a horrible feeling in the pit of my stomach because I work in the morning. I hope it passes and I’m able to just make it work until he can get his paycheck and then we’ll have enough to pay the bills.

I think the confusion of not knowing our cash flow exactly is what has me so freaked out right now. Plus we had a flat tire and the cheapest used one we could find (after calling 25 places) was $90. We needed a $75 oil change and he got a ticket for parking on the street for $50. All things that I wish had happened any other month because Murphy is kind of living in my spare bedroom the one month when I needed him to be on vacation!

Everything should be back to normal, or some semblance of normal, next month. But for now I’m the only one working, stress is all over us, we’re trying to have faith and not take it out on each other but it’s difficult not to snap back and forth.

Good Things Happening (or, reasons to dance!)

  • Husband going to hear back from two unions.
  • Husband going to go to orientation for temporary job for right now.
  • I actually do have a flexible, paying job where I work from home.
  • I received six bags of clothing for my youngest including pretty dresses and shoes from a relative.
  • My husband and I feel a message we received about selfishness and pride came at the perfect time.
  • I know amazing people.
  • I have beautiful friends I got to have coffee with and breakfast with this week who made me feel very special.
  • My house is beautiful, my bedroom is a sanctuary.
  • The DIY on the girls room is almost halfway done. The windows will be finished tomorrow.
  • I have a husband who can replace windows. (That makes up for a lot of forgetting, y’all!)

My apologies for being a bit of a downer on this particular post. It’s just a transition, and transitions are not easy for me. I mean, who LIKES change and uncertainty, right? I know I’m not experiencing anything new or special in the world (Ecclesiasties, anyone? LOL) and that is truly a comfort for me.

So I hope that my next update has some upbeat, exciting stuff in it.

I haven’t updated my debt totals and savings total for Baby Step 1 on the Dave Ramsey plan because right now I’m absolutely petrified to look at my bank accounts. I know nothing is in the negative but unless I have an hour to go over it, I don’t want to look for a minute. I have a sinus infection right now and it’s 9:29 at night and the only thing I truly need right now is a good night’s sleep.

Speaking of which, I need some kind of cool graphic to put at the bottom of this page that I can use to track that kind of stuff. Like, I think there’s a debt blog where they use a Google spreadsheet Doc to update debt paydown in real-time on a graph. Or something. If you know of any widgets or gidgets that do that, let me know.

Until then cuddle your person, think about how loved you are, and dream pleasant dreams.

Talk to you soon!

Comments are closed.