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I should be extremely frustrated today...but I'm not.

(if you want, skip this first section, as it's long and money-related - the rest is a little less monotonous and the last section is positive :))

DH sat down and looked at our finances the other night (I keep a loose running tab on everything in my head but I don't really "look" at it very often) and it's kind of dismaying to see how far the ends are from meeting. We're not big spenders. I don't make impulse purchases with money we don't have or without telling DH what I'm going to spend and why we need X (unlike a lot of the moms at another of my online haunts).

The problem is that we net about $1800/month, and we lose $1400 right away to utilities, rent (we live in a cramped but relatively safe complex), crappy insurance, student loans and the like. With two in diapers and the baby drinking formula (wasn't in my plans), our grocery bills aren't too pretty right now. We are grateful for food, shelter, and relative comfort compared to a lot of people in this world, but now and then the scraping by becomes audible, you know?

My grandfather, bless him, pays for my student loans right now because we just can't, and if he has a little extra at the end of the month, he rolls it into our account. It helps a ton, although sometimes we still have to put one of our grocery trips on our credit card, which is slowly maxing out on us - we make as hefty a payment as we can when we can, but sometimes that's not enough to compensate for what we spent during the last pay cycle. :-/ We've learned to eat at home, clip coupons, all that good stuff that'll stand us in good stead no matter how much we make.

Christmas is twinging me a little right now. I almost wish we could turn our paid-for-by-the-inlaws plane tickets to Germany into money in the bank, just so we could shop and not care for a month or so, but I know they deserve to see us, to play with the grandkids and I know we'll enjoy the trip. It's a colossal gift, and I'm looking forward to everything but the flights themselves. :)

Anyway, so we're tightening our belts a little, so to speak. The internet is a must for me, but if we had more kiddie videos, I'd get rid of cable in a heartbeat (though we have a reasonably good deal right now). I ditched Vent (for Guild Wars) back in February to save about $17 per quarter - not much, but everything helps. DH is too proud to fully accept that we're not doing all that well but we're cutting corners where it doesn't hurt so much. I miss Vent a lot, but I'd never admit that to him. He's working his ass off, 60ish hours a week, and getting paid for 42 at a company where even the rats are jumping ship, if you know what I mean.

Things will change for the better, hopefully soon. We're just getting our tough years out of the way first, that's all. ;-) We were discussing it the other night (stress, not just money worries) and we realized that most of the couples we know who've been together for a long time had a rather bumpy start in one way or another, my grandparents included. We're going to be fine.

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So on to the frustrations of the day...

While I was napping (thank you to my husband for that!) this afternoon, he ran the dishwasher...and apparently didn't notice any sign/sound that it ran a complete cycle without water. I don't know how that happened, but I suspect (and hope) it's just that the connection under the sink got knocked loose sometime between yesterday and today. You'd think there'd be obvious signs (before opening the dishwasher to find dishes with seared-on yuckies and a soap tray thingie that looks like it got sick after a wild party), but I guess there weren't.

Let it just be that, and let the dishwasher itself not have been harmed by running that way. It's not even ours.

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About a week ago, I placed an order at an online store I've bought from before, to complete the kids' Christmas outfits so we can get pictures taken (it'll be linebacker baby's first portraits ever) this week. (Thank you, Infernal's birthday money - the rest of which went right to bills, which felt bad for a moment.)

Well, I checked on my order status today (which I should've done sooner) and they don't even have a record of my order at all! I should have printed the "keep this page for your records" receipt when I got it, darnit. I checked our bank account online and at least they didn't charge us for it. Then I really would have been mad.

Now I have to re-order (from somewhere else this time) comparable items and hope they get here soon. We're sort of fighting time now, because we'll miss those first few weeks in December here and I want to have it all done (with pictures in hand) by then.

They're going to be so darned cute that it'll all be worth it. :) One half-decent professional shot of them in their outfits will be worth all of the time and aggravation and then some. I don't think I'm going to do a Christmasy background - just a winter one, so the pictures don't feel quite so pigeonholed into a very narrow timeframe. It'd feel weird to me to have a Christmas picture displayed after New Year's or so, but a winter one would work just fine.

Yes, I'm weird. You already know that.

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Good stuff (there's always good stuff, whether or not I remember to post it. :)):

That brought to mind destiny's matchmaker post for some reason. It made me smile wryly to myself. I don't think most people here would be too happy with me for too long - I'm just too darned weird. :-D Weird...and irrational, and intensely emotional (with a gruff "I'm fine" exterior a lot of the time that'd probably get annoying, since I refuse to cry in front of people if it can be avoided at all), and silly and bad at math and addicted to parenthetical statements, and...see, DH got stuck with all of that. The rest of you should count your blessings. ;-) I'm a much better friend than I am a life partner.

Does anyone else feel that way - that they're a better friend than a lot of the other relationship roles they play (son, parent, sister, lover, etc.)?

There's chili in my crock pot. :) DH made it - next time it's my turn, which means I'll probably be the only one who will eat it. Little one tends to have his tastes more than mine, and he likes rather bland chili, IMO. (I sneak extra spices into my bowl sometimes if he's not here.) It's so nice that it's been consistently cool enough to even consider making chili. :)

Sock post tonight if I can just get started here in a minute!


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Comments

  • silverwhisper said on Nov 06, 2007....
    ugh, sorry to hear about your financial woes, infernal. that blows!

    something to consider: clipping coupons is good, using 'em is better, but make sure you can find a place that doubles (some places apparently triple 'em!) coupons--and clip accordingly.

    i totally hear you about christmas--ugh. not exactly all with the cash flow myself these days, to be honest. i'm looking at ways to cut costs too.

    and that blows about the dishwasher & online order! did you get a response from the online retailer? and did mr. infernal fix the dishwasher problem?re: cost-cutting, re: cost-cutting, ed
  • the_infernal_optimist said on Nov 06, 2007....
    I was going to ask how the whole employment thing was going for you. Here's to a stroke of luck for you and my DH too, and both in the near future.

    Thanks for the tip on double/triple coupons - I hadn't thought to do that. I do have several moms from the mommy board sending me formula checks when they get 'em in the mail (we use a type that's not super-high demand), so I save as much as $8 a trip that way.

    The dishwasher is just kinda sitting there. Linebacker baby is asleep so I can't get the dishes out (I'm sure he'll wake up at some point soon again), which I need to do before I try to fix/test the stupid thing. DH ran out of time before leaving for work this afternoon.

    ~Infernal
  • Twylarants said on Nov 06, 2007....
    Infernal- I feel for you, believe me.  I remember those days all too well. With 4 boys, my husband and I each worked 2 jobs.  Two of my kids have birthdays in early February, so soon after Xmas that some years we couldn't afford gifts for them, which meant, of course, that no one got birthday gifts those years.  We had to be fair.
    I was lucky to live in a close knit neighborhood with a bunch of old, nosy Italian grandmas who always kept an eye on my latchkey kids while I worked.
    I hope things get better for you and you family.
  • Fallyn said on Nov 07, 2007....
    i have one childs birthday on dec 14. and another childs birthday on jan 12.

    money is hard to come by....but they have tons of grandparents and aunts and uncles to keep them OVER supplied with toys.

    but i do know exactly what you're saying.
  • lfbno7 said on Nov 07, 2007....
    All your stuff about family finances really struck a chord with me. Holy shit is all I can say. Everything just plummets, and it's not like you're doing anything expensive. Like with me, I had big dental bills, college tuition, and electrician bills, and I can't afford the plumbing work we need, but hell, I couldn't afford the electrical work either, except I kind of wanted a house that wouldn't burn down. And even without those bills, I still don't make ends meet. The real estate tax is nearly $8,000 a year, paid every three months, and every time you have to write a check for nearly $2,000 it's like - where the hell does that come from? I make a decent salary too, but it just isn't enough. All my wife can do is work part time, and then there's the groceries and the laundry and driving grandson to and from school, she's pretty busy. One thing I keep coming back to is that there are filthy rich people making things impossible for us, getting more than their share, driving our bills up, making the situation worse for us, the rich get richer and the poor (us) get poorer. We put up a good fight but we don't win. I wish there was a salary and income cap of a million a year, and then we wouldn't be gouged so hard on the price of gas and tv and everything else. We're paying at the pump so some rich miser can get a hundred million dollars out of us. It's no different from the Mafia except that it's legal. Of course there's collusion. Of course there's price fixing. You don't notice that when the price goes up at one pump it goes up at all the others ? No, it's not because they are all responding to the same conditions. What conditions. There are no conditions. They are all agreeing to screw us, it's a filthy monopoly, the kind that Teddy Roosevelt fought. I know one person here who will say I'm a conspiracy theorist here, and yes it is a conspiracy to screw us. That's exactly what Teddy Roosevelt was telling us. Hello! Well, smile, it's friggin hopeless.
  • silverwhisper said on Nov 07, 2007....
    infernal: i'll drink to that stroke of luck! btw, note that w/ doubling/tripling, a lot of supermarkets will do so but only up to a coupon value of $1, meaning realistically that a coupon of $1 off or more won't double/triple. as a rule, coupons seem only to be of $1 or 50 cents, never in b/n. :>

    ed

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