Monday, December 24, 2012

From smooth sailing to rough waters ...

The Christmas shopping was completed early. We didn't go overboard and we paid cash. Decorations have been minimal and instead of hosting 15 tomorrow, there will be 8 of us - such a small group that we will all fit around one table. (This is not because we trimmed our guest list - some of the usual suspects are traveling this year.)

Anyway, even though we have less than $100 in the checking account, I was feeling pretty confident. There's food in the fridge, gas in the car and nothing on the horizon.

Yeah, you know what's coming, right? Yesterday, DH got up from his chair at church and was suddenly limping. He had no idea what happened. He did say his foot had fallen asleep, but he didn't feel anything pull or pop. He hobbled a bit when we got home and then decided to prop up his foot for awhile. I suggested he go to Urgent Care, but "I'll be fine," was the answer I got. By evening, he said it was much better. This morning, it was back to hobbling. I mean, really hobbling. Because he likes to self diagnose, he has decided he has a stress fracture.

Problem is, he is a package car delivery guy. Sitting out Christmas Eve is not an option. So I was out at the crack of dawn this morning buying an Ace bandage and cold packs. I don't know how he's going to manage today, but he has to. And aside from his health, I can't help but worrying about the financial implications. There are no sick/personal/vacation days left. Any time off until next Tuesday will be unpaid. Just the thought is enough to give me hives.

Deep breaths. It will be OK. It will.

Merry Christmas, everyone. I wish all of you health and happiness this week and always!


Monday, December 17, 2012

Shattered innocence

I live in a world where babies die. In fact, my sister Jenny's baby died of the same genetic illness that my son lives with. It's not a world I would wish on anyone.

But the horror of the events of last Friday in Connecticut has shaken me to my core. All those precious babies and their devoted teachers. No one should have to die such a violent death, least of all in an elementary school classroom. It has been my prayer that it was so fast that those sweet faces never realized what was happening.

Godspeed, beautiful angels. And peace and blessings to the families affected. There, but for the grace of God, go we.


Tuesday, December 11, 2012

Ticker recommendations?

I've been using Ticker Factory with moderate success since starting this blog. I've hit some snags, but for the most part it does what I want it to do. I like the visual of seeing my debt progress - slow that it might be - at the end of each post. Alas, TF no longer likes me and won't let me update. You should know it's killing me not to be able to make that bar move after sending in a debt payment!

Do you use a ticker to track your progress and like it? Because I think it's over between TF and me. Time to snuggle up with a new fave.


Tuesday, December 4, 2012

I feel sick ....

I've been cleaning out files today. That was supposed to make me feel good. It didn't.

I came across old copies of our credit reports and sat down to see what our debt was back then. Aside from the mortgage, we had balances on three credit cards totaling just over $31,000. As we've been on this journey to rid ourselves of debt for about two years and still have $100,000 in credit card debt, I knew these credit reports were really old.

I was wrong. They're from October 2006.

That means we racked up most of our debt in a period of four years. I'm stunned. I've been sitting here trying to figure out how that happened. There was no job loss. We didn't go on any big spending sprees. And then it hit me. College. That was when DD started college. A private college. An expensive one. Her brother followed a couple years later - after getting his driver's license and tripling our insurance costs. I don't blame college for all of our mess. We have a disabled child with outrageous medical expenses. We have taken some trips we probably shouldn't have (but don't necessarily regret).

We just didn't pay attention.

I can't believe that I'm still shocked by our stupidity at this point in the game, but I am.

Wow. Just wow. Stupid adds up fast.