Saturday, September 17, 2011

7 Paydays 'til Christmas

(voice inside my head as I punch away on the calculator.)  8 paydays until the property taxes are due; 8 paydays before the January house insurance is due.  If I put away x-amount of dollars each payday I will be sure to make these payments but might not have anything for Christmas.   How many paydays until Christmas....7.  Can I squeeze out another $30 a payday?  Maybe $20?  I don't know.

This summer has been a doozy.  Between starting the boys health insurance, and the sudden jump in the electric bill we have used ALL our "discretionary" savings.  The savings account and the emergency fund are at 0.  The tax and insurance account is not where I would like it at this time of year but if I keep setting aside the amount I adjusted to after starting the boys health insurance we should make those bills.

This payday we just used up the last of the cash on hand to pay for Sammy to get to the doctor for an ear infection.  I still have to figure up where I am going to get the money to pay the copay to have his x-ray on his neck done.  He's been complaining of neck pain and popping his neck multiple times a day for a while now.  I have a little something from Mom that was supposed to get me to see someone about the weird flutters in my chest but it's not enough to cover that so it may go to check out Sammy's neck....or get him glasses...he's squinting now too.

I still have Ryan's and Davy's school pictures coming up.  Davy graduates this year so that means a yearbook and a cap and gown later. There are Boy/Cub Scout dues and campouts coming up. I just don't know where it is all going to come from.  We could save $164 bucks a month if we cut out the TV service and mow our own lawn but I haven't been able to convince the hubby to make those cuts.  We could probably cut around $50 of spending if I could resist the drive-thru windows.....I haven't been able to convince myself(or more accurately my stomach combined with my squirrel brain that forgets to eat before I hit the road) that this cut is mandatory; though God knows, I do try.

I try to tell myself that I just need to hang on until we can get Davy graduated and off to a group home or state school.  That should open me up for a decent job that doesn't require lifting. (Lifting ain't gonna happen.  I had to take 4 Excedrin just to be able to sit here and type and I'm still in pain.)   I am not sure what I will do with Ryan and Sam outside of school hours but there are a few more options for them than for Davy.  I may be able to find a responsible care option  for them I can afford.  If there is even a job market by the time I can get Davy out of the nest.

My husband still has a job and it's getting scary.  I just heard from my ex that he just lost his job.  He's not sure what's going to become of his new family.  Ya'll say a prayer for them.  While your at it, drop God a line for my friend S.S.  She is facing a medical issue.  She wants to keep the details private but doesn't mind me asking friends to say a prayer.  God knows what she needs, so just praying for her need to be met should be just fine.

"And to the rest of you, thanks for watching. On behalf of myself and Harold and the whole gang up here at Possum Lodge... keep your stick on the ice.    Remember, I'm pulling for ya. We're all in this together!" --Red Green

2 comments:

Dottie said...

7paydays til Christmas! Do you want to give me a heart attack...maybe a moderate stroke!! Wee are in a very similar boat and at times I feel like the oar has a crack in it...then again we KNOW your "oar" has a crack in it. I say we cancel Christmas. Ok, so the kids wouldn't allow that.

Sue said...

It seems to always happen-something "extra" that crops up when you least need it-another doctor bill or car repair bill. Best of luck to ya....Christmas is looking mighty slim here too.