Showing posts with label money. Show all posts
Showing posts with label money. Show all posts

Monday, January 31, 2011

cheap


Bill, at a Mexican restaurant


Bill and I tend to visit restaurants for birthdays and anniversaries because we're very busy and/or cannot afford to do so outside of special occasions, but I think that's more acceptable.

Back in the day, when Dale was alive and working as a pipeline consultant, we ate out three to four nights per week. I was working as a store manager and often ended up staying past 7:00 pm, I'd come home, pick up Jamie and take her to the steakhouse, or the all day breakfast place. This ended briefly after Dale lost the consulting job, but began again once he started his own consulting firm.

Back then, it was nothing to spend $300 to $400 per week on supper; I can't tell you what that would have meant to my family two years ago (or last summer, for that matter) I suppose it's been a learning experience for us all.

Here's what I've learned personally;

1. While I truly enjoy buying leather handbags, they're at least $70 more than I'm comfortable spending and a helluva lot heavier. I'm not saying that I will always buy cheap vinyl bags, but for now I'm happy if I can get a good cross-body bag that is well made and has the look I'm going for.

2. I can buy all the high heeled shoes I want, but that doesn't mean that I'll have the energy to wear them on the weekends. Pile lined hiking boots and decent sneakers will get me through anything this year, including nights out at the dance club.

3. I no longer have my 50% clothing discount but I know the sales cycles at most stores and can find name brand jeans, khakis and blouses for $20, $13 and $15 respectively. I also shop bra sales and recently found one in purple lace (regular $49.99, now 50% off the last marked price of $39.99) At American Eagle, I found Bill two pairs of jeans that had been marked down to $14.99 a pair.

4. Even though I'm still gainfully employed, I go through the grocery store with a budget in mind. I buy meat in large quantities, separate it at home and store it in our 7 cubic foot freezer. I look for "buy 1, get 1 free" sales.

5. I'm getting my hair done in a salon again, but this time I'm going every six weeks instead of once a month.

6. Jamie gave me a Student Price Card, which gets me 10% off at lots of different places, including a large department store at the mall. I think I've saved at least $30 since I got it.

My biggest expense these days seems to be coffee. I make coffee at the office in the morning, but by afternoon when I go out to make my deliveries, I'm looking for iced coffee to get me through the afternoon. Most days, I spend another $6 on fast food. Bill and I were recently discussing this and want to make some changes, like making sandwhiches or subs or something to carry on the road. Seriously, our cholesterol will thank us.

Since I started this post, a bouquet of Edible Arrangements arrived from my office (love those fruit bouquets!) and Bill arrived with my birthday gift. Bye for now!

Saturday, October 2, 2010

long darn week


tokyo loved the moniter and the warm modem, which used to sit atop the old desk.


What a rough week.

On Wednesday while I was out in the van, Bill called to see if I had enough cylinders on board to deliver to a man on the south side. Since I knew one of my favourite ladies on the west side hadn't been feeling well and thus hadn't used her oxygen cylinders up, that left one delivery in that area.

I pulled over and called. In the last month, Mrs. Miller had hurt her foot and lay down more, Mr. Miller often forgot to put the empties out and always appreciated a call anyway. Two weeks prior, I had taken her a kit filled with soap and bath puffs from Jamie's store and as I was leaving, Mr. Miller shouted after me, "Make sure you say thanks to your daughter, too!"

The phone rang several times.

"Hi Mr. Miller! It's Kathy calling. How many cylinders will Mrs. Miller need this week?"

"She won't be needing any. She died an hour ago."

Heart sinking

Completely unexpected! His voice was filled with shock, confusion and despair and after saying how sorry I was and making some cursory plans to pick up equipment, I hung up and cried for the next few minutes. I can tell already that I am going to have to keep tissues in my work van! After sniffling for a moment I called Bill to let him know and he was heartbroken as well.

Thursday dawned with the excitement of my second full time paycheque, but after checking online I realized that I'd only been paid for one week, the mortgage had already come out and I was left with enough to pay for haircuts (myself, Jamie and Em cost about $135, tips included) and maybe a few groceries.

Later in the day I was called to Mr. Avery's senior's residence to replace his regulator (the mechanism that brings oxygen from the cylinder into the tubing) and was looking forward to seeing him again. I'd met him the week before, changed out his cylinders and found him to be very friendly. He reminded me of what Tim Robbins might be like, if he were 90 and very frail.

When I arrived at 3:30, he was with a palliative care community nurse who must have mistaken me for a respiratory therapist, because she started asking me about his sats and pulsox and charts and information she'd been promised but which never arrived in time for this appointment. It was meant to arrive through the Hospital Respiratory department, not our company, but I was able to get a house therapist on my cell and get all the numbers she needed. I could feel a lot of tension and confusion in the room and that made me feel as though I would take the brunt of it and I was right. Apparently a recent diagnosis had forced his consumption of oxygen up and he's received a call from WCB asking why he was doubling up on cylinders. (What bastards by the way! Mr Avery suffers from the effects of inhaling asbestos in his working days) He must have been flustered by the call, by the nurses visit, and by the way he was going through oxygen.

"I need a new nose piece!" he'd bark out. "And some tubing. No! Not that long. Pull your hair back! Don't drop it! What do you mean?! Did you do that or not?"

Throughout, I continued with "Yes, absolutely! No problem. Okay, Mr Avery." I gave him two large cylinders free of charge.

As I was saying good-bye, he apologised and I smiled and said I'd see him Wednesday, then went outside and cried.

It's emotionally exhausting some days, which is something I wish that Em would understand, but at thirteen you can't really expect it. That particular day was a bad day for her to start something with me at the mall, particulary after we've spent the last month buying, buying, buying and she was whiny and insistent that it wasn't yet enough. It doesn't take long for that sense of entitlement to kick in for teenagers and I'll always put the kibosh on that! Still, I hope one day that Em realizes she'll avoid a world of trouble if she just watches her tone when she's addressing adults.

Tokyo ran way three days ago and we don't know where she is yet.

Now it's Saturday and we've all made peace again, although we're all worried sick about kitty. Bill and Em are bedroom cleaning and I'm blogging, after having made eggs & toast for breakfast. I have some chicken soup on the stove and I'm going to try my hand at cooking this hard bread that Bill says is such a Newfoundland delicacy. Today is the eighth anniversary of Dale's death, which is hard to believe! Time truly marches on.

Have a wonderful weekend.

disclaimer: all names and locations are changed to protect privacy.

Monday, November 16, 2009

I'll miss your smooth ride


in the new house, 2004


I've been missing you all and have been missing the writing, so I'm happy to have a day off from work. Both jobs have been going well and I've gotten into a habit of getting ready for work without coffee or the internet (although sometimes I have to stop for a double-double, even if that means inhaling it in the lunchroom before starting my shift) and then playing around on Farmtown or playing Pathwords after work, before hand washing my work clothes and getting into bed.

The big event this week is about my truck, a 2007 Nissan Xterra that I leased two and a half years ago when I began my career with Sun Life Financial. At the time, the $700 payment seemed a little steep but I expected to make enough commissions to cover that as well as my other living expenses, and the the entire payment was a tax write off. For many, many months Bill's wages had to cover everything, which was incredibly tight. By the time I left the insurance gig, Bill was only a few weeks away from losing his job, and the payments became crippling.

I'm ashamed to admit that after each payment was made, I couldn't afford to buy food. Still, the thought of losing my incredibly reliable vehicle, which has four wheel drive and tackles the Alberta winters like a pro, would make me almost sick to my stomach.

Last Wednesday I finally had the $1,400 together to catch up the payments, but in the back of my mind I knew I needed to get Emily's winter boots and meat for the freezer, I knew I needed to pay the utilities and I knew that I needed to get the insurance back on the house and I needed to get my life insurance back in place. All day Thursday I sat on that money, thinking it would be okay. By Friday morning I was letting go of the truck, and by the time early afternoon rolled around I knew I was going to let it go. That day, Bill and I searched around for a suitable car that I could drive to work, and found a little red one, which I hope to pick up on Friday.

Anyway, this afternoon I'm cleaning out the truck and taking it back to Nissan dealer. I can't say I won't be sad but I hope that Bill can buy me another one some day - a used one.