Stress and Money: They Come and They Go

An hour later...

Suddenly, while I'm focused on doing the best job I can, and whistling while I work, I get a call that I don't want... My ex-husband, telling me that the kids are being refused from day care unless I go over and make a payment.

So I did.

Argh.

I don't have money for this. Yes, I got paid today and have money in my bank account to cover the check I had to write, but that severely impacts the other bills I have to pay. Rent (for February!), car insurance, food, gas for the car... Sigh... I NEED to find something else.

To top it off, the IRS website is no longer telling me the status of my (hefty) tax return. The site I used to file said I could receive my funds in as soon as 10 days. Today is day 10. So why, today, is the status of my return no longer showing up? Is my payment in process? Is it not coming? I'm not a fan of uncertainty.

And to say the least, I'm stressed.

Majorly, agonizingly, stressed.

I know what I need to do, but why is it so hard sometimes? Being a Christian I know I need to put my Faith in God to provide what I need, but I feel like I should be doing more.

DAY 355

Today is going much better that yesterday.  I feel like I can breathe and am in more control of what's going on in my life.  Yes, there are still things I want (and have no control over), like making more money, but as long as we have a roof over our head and food in the cabinets I can handle the rest.  And what I don't feel like I can handle, I can pray for.

Day 310

I'm out of the office on lunch and it occurred to me that I haven't updated the blog lately.


My silence has been the result of extreme happiness and hard work. Dave, the boys and I are all happy and healthy, and we are gearing up for Christmas. I've been trying to impress upon the boys this Christmas season what the true meaning of the holiday is. It's not about what we get, but about what we have and why we have it.


But I won't deny that's difficult. With a six-year-old (and nine-year-old) in the house, visions of Santa with a bag of presents are very prominent.


We have made K-Love, a national Christian radio station, a fixture in our lives, and I heard on it yesterday that the average PERSON (not couple, family, etc.) spends $700/year on Christmas presents.  I let out an audible "phooooooo."  $700/year...  That's essentially rent for a month for us.  So here I am trying to figure out how to make Christmas great on maybe $300, and I hear that the average person spends $700.  So if you're reading this, I challenge you to remember what Christmas is really about, and try to focus on that instead.


Dave asked me over the weekend what I want for Christmas and my response (after telling him - him), was a new coffee cup.  Yes, that's all I want.  A new travel mug that doesn't leak when I try to take a sip out of it.  But I guess I never cease to surprise him.  I know he knows I'm not materialistic, but at the time of the year when most people send out mile long Christmas-lists with hundreds of dollars of ideas that they'll probably never use, I choose to be real.  And even when I stretch my brain, I can't think of anything else I want for Christmas.


We found a new church in August that we've been attending, Grace Baptist, and we love how their focus in not on what the church needs financially, but when they do talk about money, it's about how we can help the missionaries or other organizations that need money.  Our family decided to help out Operation Christmas Child (I think that's what it's called), after we heard about what children on the other side of the world have to do without.  While I was able to buy my boys each a 24-box of Crayons for $.50, on the other side of the globe, children go without because crayons cost $5.00... and the average monthly income is $2.00.  Children in Africa need to follow a food truck once a week in order to get fed, and because they lack bowls or cups, they drop the hot oatmeal (or whatever they're served) out of their hands and onto the road...  And they end up eating it off the road.


So how can I ask for anything more than a coffee cup, when there are children living like this?

Day 152, Post 1

Yes, I am at work.  I'm continuing to work on a special project with a couple of great co-workers, however today is review day and...  It gets a bit boring.  Except for when one of them starts tapping out sitcom theme songs on the table and a google search for the actual theme song follows.  That's what's happening now.

I talked to the boys last night (they are at their dad's), and I feel bad for their dad.  Why?  At the end of the conversation they wanted to know when they are coming back to my house and wanted to blow me kisses.  They don't do that during conversations with their dad, but that's because he hasn't earned the respect from them to receive that type of treatment.  And that sucks.

Dave and I are continuing to work wonderfully as a team.  Last night we relished in the fact that we paid the rent not only on-time, but a day early.  While this may seem like a small accomplishment to some, it's huge to us.  Although it will be slow-going, we see in our near future that all bills (well, all household bills, not my personal debt) will be caught up, on time, and paid on a timely basis.  And that's a WONDERFUL feeling.  While in the past I hated with a passion the necessary task of balancing my checkbook...  And refused to do it...  Now I have an Excel file that breaks down all my spending into categories and I check my bank account on a daily basis.  Plus, I have a yearly tab which shows the spending per category from one month to the next and is truly an eye-opener.  I have to remember that the month of May included a road-trip for the four of us back to New York, but the amount I/we spent eating out was ridiculous!

I can't figure out how to include my spreadsheet (my figures excluded) to this post, but if you would like the file to use for yourself, let me know!