Due to Budget Constraints, No Sardines Will Be Purchased Until Tuesday

I have a budget, which is big talk from someone without any money. But now that I have a budget, I'm counting on the money to follow. 

Graphic: Copyright, Teece Aronin

My budget is calculated by taking each bi-weekly paycheck and setting aside at least half of what I need for each fixed monthly expense. Then I pull out what I need for groceries and personal care expenses for the kids and me and put it in envelopes. This keeps me on the straight and narrow and curbs the temptation to buy three shoes instead of two - you know, like people do. 

Sticking with a budget also means sticking to your guns. When the kids beg, "Please Mom, can't we have cake and chips for this weekend?" I calmly explain that they must then decide what they are willing to give up: toilet paper or heat. Notice the flexibility I employ in my willingness to dip into the fixed monthly expenses allotment in order to buy the cake and chips as long as they are prepared to sacrifice a bit on their end. I think this helps them to better appreciate the value of a dollar and to respect their mother's financial agility. 

If nothing else, they know that a woman with budget smarts and determination is in charge and that gives them a sense of safety when it comes to money. 

 My own personal finance hero is a woman I know who double checks the cost of what's in her cart before getting into the check-out line. If she's over budget, she swaps out or puts back items until she's at her limit again. She doesn't feel depressed or deprived over it because she knows the greater good is being achieved by being in control of her money. 

Being careful with my expenditures allows me to funnel more money into my vacation and entertainment accounts, and the kids appreciate that too. No more staying in independently owned hotel franchises with no elevators, no coffee and no door locks. This summer we'll be checking into a Holiday Inn, baby, and won't it be fine? 

Ah yes, the best is yet to come. 

Absence Note

I've been worried a lot lately. I've been so worried in fact, that it's taken me from my blog entirely. The only times I've thought about Chipped Demitasse over the course of the last few weeks is when I kicked myself for neglecting it. This blog is very important to me yet I've been entirely absent from it.

A lot has been going on. My mother, who is dearer to me than even a wordie like myself can express, is facing serious health challenges. And I'm a single, working mother of teenagers, one of whom has temporary but difficult health issues of her own.

If being a single, working parent with a sick mother and a sick kid and all the responsibilities those things entail weren't enough, I decided to jump ship from the financial Titanic I call renting and am in the process of buying a house.

Buying this house included a three-day period of torturous anxiety where I obsessed over my monthly cash-flow, fearing it would become an even smaller trickle than it already is once I traded the "freebies" of renting (heat, maintenance, etc,) for the "costies" of home ownership. I earn a perfectly fair wage, but face it, life can be expensive for single parents. Those three days worrying about money are the kinds of times that try the souls of single, working parents and prospective home-buyers.

The utility bill was one of the things I worried about. I have no idea what heat and AC will run in this new place. The seller, as luck would have it, winters in Spain and summers in Northern Michigan, so there is no recent, realistic history of the house's energy use. And someone with the financial means to winter in Spain probably wouldn't turn down the thermostat at night even if he was here. I got so stressed-out over this phantom utility bill that I researched the cost of firewood in case our main source of heat had to be the fireplace. I'll love having a fireplace again; I just didn't want to have to sleep on the floor in front of it.

"Ugh," muttered my tried soul. "Ugh."

Then yesterday I sat myself down and lovingly chewed myself out. I picked up my smartphone, went to "notes," and tapped out a list of ways this house will benefit the kids and me in quality of life alone. So, not even thinking about financials, here is some of what I came up with:

- A two-car attached garage with two steps into the kitchen. On grocery day, that would eliminate the current trek across what feels like a football field in the summer and tundra in the winter, followed by a knee-grinding, nose-bloodying three-story ascent to the apartment. This aspect of renting, I decided years ago, is why God made teenagers.

- A semi-finished basement perfect for tossing said teenagers when I need some me-time. As a renter, me-time at home could be had only in my bedroom, or, if I needed quiet too, in the bathroom with the door closed and the fan on. I once consumed two glasses of Merlot and a Hershey bar with almonds while sitting on the lid of the toilet.

- Hardwood floors and a level, fenced-in back yard for our dog who has accidents in the apartment when nobody reads the signals in time to haul her down the three flights of stairs, like a grocery bag in reverse, and out to the football field/tundra in time to do her business.

- Money saved on dinners out, one of the few luxuries I allowed the kids. Their lives had changed so drastically when my husband and I divorced. I moved them out-of-state because we lived in a region with such a high cost-of-living, I couldn't find a job that would support us in anything higher than near-poverty; sadly, I'm not exaggerating. But with a back yard, we can roast hotdogs and marshmallows, and maybe restaurants won't seem that important anymore.

The kids and I still laugh about a night years ago when we were still a nuclear family. We were out on the deck roasting marshmallows when my daughter's caught fire and in her surprise, she whipped her stick behind her. The marshmallow hurdled through the dark, blazing like a meteor. To kids, mine anyway, laughing yourself sick over a fiery, flying marshmallow beats a restaurant hands down. 

Thinking about all this, I calmed down. Then I did the math I had done days ago but had gotten too freaked out to remember I had done. I calculated that with a fixed-rate monthly mortgage roughly half the amount of my rent, and with rent going nowhere but up, there was no way, short of buying in Bizarro World, that a house wouldn't be better for me financially. And I'm grateful to have a bit set aside so that unexpected maintenance costs won't be AS big a disaster.

Those three days of abject terror taught me some things. First, when I examined the benefits of buying the house, my blessings politely raised their hands asking to be counted - blessings like my kids and the fact that I can buy a house at all.

With blessings like those, why should I worry? Besides, thinking is helpful; worrying isn't.

Imelda's Doghouse

My dog, Hope keeps swiping my shoes and I have a theory as to why. I think it’s resentment over my refusal to buy her any shoes of her own. Now, I have two children to buy shoes for and blessedly, they only have two feet each. This makes buying shoes a much more reasonable proposition than buying shoes for them plus Hope who, like most dogs, has four feet. If I'd wanted to buy that many shoes, I'd have had two more kids.

Not only would buying Hope shoes blow my budget, I would have to find shoes designed to fit those four ugly paws she has. And I'd have to take her shopping where we'd have the issue of her prima donna, Imelda attitude and her constant flip-flops (sorry) over whether the shoes on her back feet should match the shoes on her front or if she should go for two different styles.  If Hope thinks she’s so smart, she should impress me by asking for just one pair and then learning to walk on her hind feet.

Sometimes Hope doesn’t flat out steal my shoes; sometimes she just “borrows” them. Case in point: when she "borrowed" my sandals and had that picture up there taken at Glamour Shots. And we still don’t know how she got to the studio because Hope can’t drive with shoes on.

But anyway, back to the swiping issue. Whenever the kids or I come home and let her out of her crate, she springs out, woofing and howling in what she expects us to believe is delight over our safe return. And I fell for that canine con-job for a while, but have come to suspect it is actually a release of pent up anger over having spent the day in the clink combined with her rotten attitude about the whole shoes thing. 

And she wouldn't have to spend the day in the clink if she hadn't chewed up the sofa when we were at the movies one night. Granted, it wasn't the newest sofa, and it was plaid. Maybe Hope's not Scottish - or maybe she hates plaid. Anyway, as she’s running around like this, feigning happiness, she darts into my room, grabs one of my shoes in her mouth and dashes around the apartment with it, stopping every few seconds to give it a little chomp.

Despite my best efforts to snatch back the shoe or to remember to just keep the bedroom door shut, I now have at least five half pairs of shoes. I didn’t think there was any such thing as a half pair of anything, but now I know there is; there are half pairs of shoes. And where she’s stashed the missing shoes is a complete and utter mystery. I’ve looked under the bed, behind the chewed-up plaid sofa, and even in my closet which with Hope’s lack of opposable thumbs you’d think would be off-limits. Maybe the cat let her in.

I don’t know, I suppose Hope could be right. Maybe I should buy her some shoes. Maybe if I do, my missing ones will mysteriously reappear the next morning, with telltale doggie drool still drying. 

No, on second thought, I refuse to be bullied by a dog who, if it weren't for me would still be at the pound cooling her unclad heels.

Hope, hear this: I’m mad as heck and I’m not going to take it anymore. I want my shoes back now and I want you to ixnay on the “orrowing-bay.” 

Chew on that, why don't you?