Money. Who needs it?!
| I have vacillated on whether to write about this subject for some time now. My hesitation comes from the fear that people will think I am complaining or asking for assistance. I have finally decided that, as this blog is meant to chronicle our lives, I definitely should... With Hubby in school full time, we have found ourselves in a rather precarious financial situation. We were doing just fine; we watched a little girl four days a week, he worked from home for my employer plus he works at his school doing Supplemental Instruction- I was even able to reduce my hours to three days a week. (Which, if I didn't, I would end up in an asylum- but that's another post...). Then, about six weeks ago, the mother of the little girl we watched was finally able to get her daughter in a day care in the same town where they live- and all of a sudden, we lost a quarter of our monthly income. On the surface, one might think "so get a full time job", but that really isn't the answer because my hourly rate is high enough that I would have to work overtime to get what I make in three days now. Plus, I would lose my other benefits such as free insurance and IRA-matching. Besides, my schedule is strange with Hubby in school and it would be difficult to find coverage for the days I am now home. So, Hubby has taken a few overnight shifts at work and picked up extra hours at both his jobs. We also, just last week, started watching another little girl two shorter days a week. My personal biggest contribution has been to greatly reduce our expenses. For example, we used to spend $125-$140 in groceries weekly. This week, I got by with spending only $80. And that's without using coupons. It's kinda funny- it's become a bit of a game for me to see just how little I can spend each week! It has required me to completely change how I shop and keep my kitchen. It's a lesson I hope will stick with me forever... We are so broke that I am really looking at life in a different light- what is needed to live, as opposed to what is merely desired. For years now, we have been blessed with lots of hand-me-downs for both the boys and even for me. Plus, I have found several ways to not spend money, some examples include: cutting my sons' hair myself, using the library for movies and music, going without extra things like perfume, and making gifts for Christmas instead of shopping. Speaking of Christmas, my sons will be receiving gifts that they (again) need, but also want, such as fun socks, new underwear, and cool toothbrushes. (Of course, Santa will bring a small toy for each, I'm sure...) But it's all okay. The boys will still have gifts to open, and we will still have a great Christmas. Even though our income has plummeted, Hubby and I are very strong in our belief that the Universe will provide. It is a lesson we have learned time and again throughout our lives: no matter what life dumps on you, each of us is also given what we need to survive. And, thus far, it has done just that. Here are some examples: I was given a Starbucks card (yippee!), I won $10 on a lottery ticket, we were given free tickets to a hockey game, my niece told us of a way to get low cost flu shots for the boys, and I learned that HL can join a sport for very little money. Plus, we greatly appreciate the thoughtfulness and generosity of my parents who have had us over for dinner, picked up groceries we use that they find on sale, and bought AW some much-needed pants. We even got "new" Christmas decorations through the creativity of Hubby's Grandmother! So far, we have only had to borrow a small amount to pay for HL's asthma meds and some groceries. I know, some of my examples sound so simple and small, but they really make a difference. When you are truly broke, you really learn that it is, indeed, the small things in life that matter most. |








