About sixteen years ago, I met him for the first time. My trainwreck sibling brought home this adorable puppy he had no business adopting because he had not one thing in his life that wasn’t a mess. I was furious at my sibling – he didn’t even take care of himself, how could he drag
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April 11, 2016
Life, death, and taxes, my friends. But unlike the other two, taxes happen on schedule every year.
And this year, boy o boy am I not so ready.
Life doesn’t discriminate
Between the sinners and the saints
It takes and it takes and it takes
And we keep living anyway
– Wait For It, Hamilton
In 2014, I started using a CPA to put together the return itself. I still compile all our financial documents and a spreadsheet listing everything, including our itemized deductions, so really the CPA just has to plug the numbers in and advise me on the trickier parts like the investment property.
It feels absolutely silly in retrospect to feel guilty over hiring it out but it was hard to fight the feeling that as the Family CFO, I was abrogating my responsibility by doing so. Of course I could do it myself but I don’t have that kind of time to spare, and the headache was getting to be too much. See? Even now I feel like I have to justify the decision.
Never mind. This year, I’m extra grateful for making that decision because what we’re looking at would have been much worse at the butt-end of 20 hours of tax agony.
It’s a long story, and I can’t get into the specifics of it, but we have an on-paper only “income source” from a family thing, from which we don’t derive any true income. This year, there was a huge one-time income bump that we wouldn’t see but, of course, would impact our return. I knew we’d owe something. That part I was braced for.
The other part, the first draft of the return, staggered me. No, let’s be honest, it knocked me on my ass. Might have actually stopped breathing for a few solid minutes.
We would have had a modest tax refund this year from both state and federal. Instead, the bill totals up over $13,000. It’s not that we failed to pay quarterly taxes, this is truly a one-time thing, and it won’t be a problem going forward after this year. That’s cold comfort in a cold spring, but payment is due on April 18th this year, so, yay grace period?
We’ll have to use our long-term savings to pay that sucker, which sucks, but at least we can swing it. Meanwhile, let me sit down and put my head between my knees until the world stops spinning.
Have you filed? Are you likely to get a refund or a bill?
*Part of Financially Savvy Saturdays on brokeGIRLrich, Disease Called Debt and I Am the Future Me
April 6, 2016
Around 6 am, the snorfling starts. This kid is nothing like me – goes from asleep to wide awake in less than three winks – so any waking movement is The Real Deal.
PiC’s already up and initiating the daddy+baby morning routine so I pass out again, dozing until 7 am.
I brush my teeth and check email for any emergencies. Nothing this morning so I take over feeding LB, give Seamus his morning meds, and strap LB into the stroller and head out for a walk. PiC usually takes them for a walk before I get up but since I’m up early, he might as well get a head start on getting ready.
We come back 30 minutes later for blocks and song: ze stands at the block box handing me one at a time, bobbing hir head to my song. Ze hands me one block, I hand hir another. Rinse and repeat.
Ze spies PiC around the corner, not paying attention to either of us. Opportunity! Ze makes a crawl-dash for the dog’s water bowl. Seamus’s water bowl beckons to hir irresistably. We head off some dashes, the others result in flying hir to the sink after ze has a good splash in his bowl. Seamus is NOT amused.
Hands washed, it’s book time. I start to read Tremendous Tractors at the book bench, ze leans up against the bench to listen for half a page, then starts sorting. This book is for … you. This book is for … you. This book is for … Seamus. This book is for … you. Halfway through reading, Busy Hands has handed me the entire stack of books. Rinse and repeat for the second half of the reading.
Next up: musical toys. Some toys are for sharing, like the blocks and Legos, some are for pulling apart and flinging about. This is one of the latter. Ze prefers to fly solo as ze wrestles the rings off the stand and discards them over a shoulder. Naturally I very helpfully undo all hir work as ze finishes, placing the parts all back on the stand again. This is worth about 20 minutes.
One of hir other musical toys goes off. Over my shoulder, I see Seamus grin and tuck his paw under his chin. THANKS.
A frown, an eye-rub. Then a bigger frown and a double eye-rub. Ze won’t admit it but the fatigue is upon hir and it’s time to warm a bottle. We’ll be weaning off the bottle soon, so we’re in a transition period of bottles before naps and sippy cups after. We bounce on the yoga ball on the way to the sofa. Bottle clutched in chubby hands, tiny feet propped up on my lap, we relax for a few minutes. And I check email again. All’s quiet, just routine stuff, so I enjoy a moment of almost-cuddling with my squirmy worm.
Bottle polished off, ze hands it to me and contemplates hir full belly with a half smile. Time was, ze would finish bottle and throw it like a football. I like this new development. LB settles down after 9 am and Seamus gets breakfast. Now, it’s my time: get a glass of water, find my glasses, my computer, and dive into work. But first: sweatpants!
I get an hour and a quarter on Nap 1. I mowed down all urgent and important emails, jot to-do list for the rest of my work day. Caught up on some projects and even unexpectedly finish a call early so I process an Amazon return and package up the box to drop off at the post office. Prep the first load of laundry, it’ll be ready for drying sometime when ze gets up.
A wail. That’s never good. Ze normally wakes up and plays for a while, then yells for rescue, but ze has been running a fever the past few days and evidently ze’s miserable again. I hold hir for a while. Ze doesn’t want food or water, doesn’t want to be put down but doesn’t want to be held like that either. We sit on the ground with some toys, sadly looking at one, then another, until my silly song and toy rattling coaxes a smile to the surface. Soon enough it’s submerged under tears, again. This calls for a change in scenery, and we also need milk.
Seamus is appalled. We’re obviously going outside, but we’re not taking him with us??? It’s literally unbelievable. He walks out the front door to wait outside because surely we don’t mean to go anywhere without him. Except, we must. We’re going to walk to the grocery store and he’s not allowed inside. I’m certainly not tying him up outside, someone might steal him. And I can’t tie him outside with LB. I think that’s frowned on.
Heavy with guilt, I lock up, leaving him to contemplate the traitorous nature of Humans.
The outing helps hir mood. I pick up groceries, then we struggle our way back home. It’s a long bracing walk but I seem to have caught hir bug. Everything is heavier, more exhausting. It takes us 45 minutes, round trip.
I get a text from PiC as we arrive home and start coaxing some food into the somewhat refreshed baby. Between bites, we realize that he’d failed to plan his day all the way through and now needs to be picked up. He’s tried asking a few friends if they were in the area but I thought it unlikely so I dose hir up with ibuprofen (doc’s orders!), strap hir into the harness, and we plod back outside to the car.
Mom and baby to the rescue: we pick up PiC from the nearby transit stop, and we make a quick stop at the pharmacy for my meds before getting back home.Usually I have them mailed but the pharmacy screwed up this refill.
Snack time part two commences with a bun and a pinch bowl of raisins. These are perfect for letting hir feed hirself: small enough to fit infant-appropriate serving size snacks, the bowls are sturdy and flexible, ze thinks they’re toys as much as food vehicles. Ze upends the bowl, wears it as a hat, chews on the side thoughtfully.
It’s been 3 hours since Nap 1, so I prep another bottle for hir and peel my shoes out of hir hands again. Someday, this child will stop trying to lick my shoes. Until then …. I cuddle hir on my lap with a bottle. Usually ze lays on the ground snuggled into hir Boppy but today I’m too tired to pick hir up again so lap it is. NOPE, ze struggles back up. I push hir back and offer the bottle again. Well, ok. Ze drinks, pops the bottle out to show me hir progress halfway through, squirts hirself in the face with milk, and finally finishes.
Off to bed. There are some protests. There may be some bar rattling. But once I’ve initiated naptime procedures, I don’t look back. That ze knows of, anyway. *glances at the monitor*
2:11 pm: Silence. Ze has passed out. I might, too. But no, I have work to do. I could eat but am dragging-tired so peel a couple of clementines and dive back into work.
Ze sleeps two whole hours, waking in time to go on a walk with Seamus. As he chows down on early dinner, LB and I work on snacks. I cut up bananas and ze shakes up the yogurt cup. We have fruit, yogurt and some toast. Ze makes a complete mess of drinking milk from a sippy cup, again, so I mop up the milk spattered floor while ze pulls out the Legos for another pass at “building”. This means clapping them together and putting them back in the box, waving a special one at me every so often.
Hir patience seems unusually good for being under the weather so I take advantage of the free hands to prep dinner. He never expects it but the night feels like it goes so much more smoothly if dinner is ready just as PiC’s getting home. Most LB & me nights, that doesn’t happen, but ze is hanging out and entertaining hirself with the Legos so the stove and oven are fired up.
PiC rolls in a bit after 6, some surprise thing held him up, but we’re still on track for a quick dinner and put LB to bed by 7:30. Excellent! I hide in the bathroom to decompress for about 20 minutes, and then get back to work. Meanwhile, PiC puts together LB’s lunch for the next day. I usually do that but he’s got it today.
My concentration is excellent the first three hours, then call it an early night closing in on midnight. My aches are getting the better of me and I’ve cleared the day’s work, go go efficiency! It’s best to lay my broken body down for actual rest.
What did I learn?
Being flexible is the only way to survive combo days. If I try to stick to a rigid schedule like I might set for a daycare day, my focus is fractured and I do nothing well. Being present in the moment means ze and I are fully engaged when ze needs me, and then I’m fully engaged with my work when I’m working.
PiC handles all the out of the house chores like dealing with all the auto chores, picking up milk or medication, or dropping off packages. This leaves me free to use my energy where it’s most needed. Don’t get me wrong, he does plenty around the house, too, but that’s for another post.
I used to think we should hire out some of the work at home but honestly as we settle into routines, it doesn’t feel like we need to anymore. Which is good because as it happens, there’s not much extra room in the budget anyway.
We had a long discussion recently about our routine, it gets a bit flabby when it seems like you’re doing the same things over and over, but you’re really slipping into chaos bit by bit.
We’re committing to an 11 pm bedtime and to carving out specific hours on the weekend for my work. Unrelated? Not at all. We rely on each other heavily but if we’re both sleep deprived, then we’re no good to each other. So, more sleep. And more dedicated time on the weekend to engage with my work because sometimes I just need more hours on that front.
:: How set is your daily routine? Do you prefer a set schedule or taking it as it goes?
April 5, 2016
In February, inspired by Cloud, I decided it was high time to get back to the business of being me. Life isn’t all about work, money, and family. Life is meant to be lived, and we are meant to grow.
What I read
Winter Men by Jesper Bugge Kold (Courtesy of the Amazon Prime First program where you get to buy one free book per month from their selection.)
The writing was compelling, and maybe that was the problem. The subject matter was too haunting so I had to stop halfway through. It’s rare for me not to finish a book but I just couldn’t do it.
The No. 1 Ladies’ Detective Agency, Volumes 1-10, by Alexander McCall Smith
These were fun. I loved the look into Botswana culture, but there was a bit of character development that felt inconsistent and kept niggling at me.
She-Hulk.
I thought I liked Dan Slott’s writing but that must have been a mistake because this was hands down the worst run I’ve read, possibly ever. The flimsy stories were propped up story bits held together with misogyny glue. It felt like they were trying to ape Deadpool’s style but instead come off as a huge ass about women and particularly the titular character. Huge sigh of relief when I escaped to the Peter David run which wasn’t excellent but at least it didn’t reek. (more…)
April 4, 2016
ON MONEY
I use Swagbucks. Here’s a handy tutorial if you’d like to join and earn.
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- Another handful of annual bills this month: another car registration ($115), earthquake insurance ($1125). I can’t decide if this is annoying or useful to have them come in irregular spurts.
- We were told not to cancel our insurance for Doggle’s (RIP) car (RIP) so we could still receive our multi-vehicle discount. It bugs me in that “unfinished business” kind of way.
- Meanwhile, the car insurance companies finally coughed up our $500 deductible! That and the reimbursement for LB’s new car seat. (Upgrading to a convertible car set is all kinds of headaches.)
- PiC and I use our phones primarily for data. We text each other over the internet during the day because I hate talking on the phone and he doesn’t have reception so between the two of us, we’ve logged 9 minutes of talk time. Dad logged 431 minutes. But I use anywhere between 0.5-1 MB data plus the wifi we have every month for work and play.
- Last month I splurged on lotion tissues. A $45 case of tissues. Felt foolish as I stashed the boxes in our nearly non-existent storage space. Fast forward a month and 6, no, 8! boxes later, my nose remains intact and isn’t sporting The Most Epic 1000-tissue Chafe so we can call that my best decision of the year.
- The second best decision was listening to PiC: I finally told my doctor again that I was still miserable and three days into a new prescription of antibiotics ($10), a test would verify that this writer is at least 65% human. AMAZING.
- Seamus sustained a mysterious eye injury. $230 to confirm it’s not glaucoma, it’s an injury, pain meds and eye goop. It’ll be another $70 to go when we go back for another eye stain to confirm if it’s healed.
- I’ve been playing with charting progress on the net worth, it’s so unsatisfying just saying “it went up or down 2%.” For now, we’re up 5.4% year to date.
(more…)
April 1, 2016
Since the eye injury, Seamus is no longer my friend. Not because I poked him in the eye! I didn’t!
But I am the evil one who administers the pain meds that taste like bitter old shoes (we ran out of pill pockets again, way to go Supplies Manager Me) and puts goop in his eye three times a day, faithfully. Our relationship may never recover, and he’s been taking his revenge via recalcitrance and really foul farts.
Dog gods help us all if this goes on longer than a week.
~~~
Ye baneful cough lingers and lingers but I can (and did) skip for uncontainable joy yesterday when I realized I could breathe through my nose again. Sinuses! It’s been months! I love you, never forsake me again.
~~~
Vehicle numero dos has not yet made an appearance in our lives but we reached a tricky stage in a possible offer. If it’s meant to be, it will be, Zen me says.
(Anxiety me wants to bop Zen me over the head and offer her up as a sacrifice to the Used Car gods. Anxiety me is shameless and kind of a jerk.)
We fervently hope it’s meant to be, shuttling two critters around for their appointments in opposite directions in one car eats up all kinds of time.
~~~
Movement on the refinance! It’s been stalled for who knows why for months now, and we’re finally getting communication again! Wheeeee!
~~~
Happy weekend, y’all! Fun for everyone!
via GIPHY
March 30, 2016
I’d been wondering something in my quiet moments. Why I haven’t started that business yet, or finished a creative project? Surely I’ve not gotten lazy and complacent?
It’s possible but it doesn’t seem likely.
Despite knowing that I’m awfully tired from constantly being on the go, oh and also you know, health, it’s hard to fight the sneaking suspicion that my lack of greater achievement’s down to a personal failing.
To get to the truth, I decided to Time Study myself. What do I do all day? Where can I make improvements?
Between two full jobs, a full toddler, Seamus, and the odd hobby or two, there is no such thing as a typical day.
Our days fit in three categories: both of us are home and I have work, I’m home with LB and have work, I have work and no LB.
So let’s dive right in!
A day where I work without the baby around
PiC gets to sleep in until 6:20 am, could lay abed even later if he wanted because LB doesn’t stir until 6:30 but he likes to get started ahead of hir.
It’s 7:47 before I hear it. The door creaks open and a cackle floats in. It’s time for my morning kiss and goodbye, it’s a Daddy and LB day, which also means it’s a Mom and Seamus day.
I sit up. “Can I have a kiss?” Obligingly LB leans in and suckerfishes to my cheek. Little lick, little nibble. Baby kiss!
“Can I have one more?”
Ze convulses in a silent laugh, then twists upside down and sideways out of PiC’s arms to dangle over me, expectant.
I catch hir blithely trusting form and ze grins. One last kiss for the family and they’re off. Seamus and I look at each other, and flop back in bed for another ten minutes of cozy peace.
Sooner than I’d like, I crawl out of bed. It’s time for Seamus’s morning routine.
Checking email on my phone for emergencies, I brush my teeth and get dressed. The favorite part of my telecommuting schedule is usually living in my pajamas but somehow getting dressed in the morning feels more efficient than waiting til we have to go outside later.
Within 15 minutes of waking, Seamus has his medication and we’re headed outside. This used to be a quick dash to take care of business while I distractedly checked email on my phone. Thanks to a reminder of OHIO, I’ve adopted a firm stance about time wasted on rereading emails, so this is now our time to contemplate and appreciate nature in companionable silence. We move slowly at first in the morning chill, watching the last bits of fog lace through the tree branches, letting our old joints warm up.
By the time we find our stride, it’s time to mosey on back. Our morning jaunts take 25 minutes, and then Seamus prances at the door, anticipating breakfast. I get him started, start a load of whites in the wash, get a glass of water, find my glasses, and settle in to work.
Thirty seven emails and 4 hours later, it’s time to hydrate and grab a mini chocolate bar from the fridge. As an afterthought, and a placatory gesture to the adult somewhere in me, I also take the yogurt cup with me. Funny how when you set the yogurt and candy on the desk together, I end up eating the yogurt first. Don’t get me wrong, the candy disappears an hour later, too.
Think about eating a real meal. Keep working.
Early afternoon brings a quick flurry of activity: put clothes in the dryer, wash the dishes, prep the veggies for tonight’s dinner, open, recycle, and shred mail. Put together the week’s to do packet for bills. Then, back at the computer for three more hours.
Seamus dines early these days, but he always starts the dinner dance 30 minutes before just in case I can be wheedled. Most of the afternoon is dog-naps, but his internal clock is something to behold as his perked ears bob up behind my computer screen five minutes before I intend to take a break. Dinner for him is the work of a few minutes, then I’m back into the computer glare for another hour.
By 5 pm, a break would be welcome, as would be dinner, so I head into the kitchen to throw something together. Starch, veggie, protein!
Put the pot pie in the oven and sit back down to quickly draft about two-thirds of a blog post from that scrap of an idea that bubbled up with the pot pie fixings. 30 minutes later, the oven is cozy just in time for LB and PiC to get home, exclaiming about the buttery pastry scents wafting out the door.
LB hands me the contents of the daycare bag, one by one, and I quickly wash up hir bottles and lunch boxes.
LB’s still unbelievably upbeat after a long day with hardly a nap, so ze cackles hir way through deconstructed pot pie, and then experiments with gravity. Hey look! The chicken will SPLAT just like the carrot did, and so does the green bean! That’s hilarious! *cackles*
We know it’s a necessary phase but child, stop that!
We bundle The Messy One off to hit the showers once the play time turns to boredom and most of the food now gets rubbed in hir hair. A bottle of milk warms during shower time, and the non-bathing parent clears up the dinner mess.
By 8:20, ze’s creaking and chirping from bed, falling asleep, and I get a shower! I wryly think back to the early days of newborn life when a shower was a complete luxury and give myself a full 10 minutes before it’s back to work while PiC does post-dinner washing up.
My concentration starts to waver around 10:30 and I realize that the last ten minutes were lost to mindless oblivion. It’s time to call it, so I check everything one last time to make sure I hit my deadlines and head to the kitchen.
Usually packing LB’s lunch is still amusing: ze eats everything so I just compose a sort of balanced collection of snacks in bite sizes and that’s set. (Yes, I’m easily amused.) I’m the most underachieving bento box packing mom ever and I’m only that because it totally entertains me. If I could justify it, ze would be carrying hir own R2-D2 to daycare. Heck, if I had to pack a lunch that sucker would be MINE. PiC is in charge of the bottles and labeling everything according to daycare procedure.
Oh and Seamus needs his meds so I check on the supply and make a mental note. Second half of the month is always time to figure out if we need more medications or pill pockets, or basically anything on Amazon’s Subscribe & Save. I’m aiming for that 15% off, if we get a delivery.
The kitchen’s cleared up, lunch is packed, and we’ve made it through another day. I deserve bed and a book. If only sleep came to adults as easily as it does to the dog whose been snoring for the past 2 hours! These hours of the night are the most wasteful part of my 24 hours: I have to read to relax enough to sleep. There are days, though, sleep eludes me til past 2 am.
Yesterday, I worked til 2 am so at least trying to sleep is an improvement for this hour of the night.
What did I learn?
As much as I love seeeing LB’s face all day, when it comes to working, daycare is a blessing. I get so much done when it’s just me. I have so energy left at the end of the day to snuggle hir and do bedtime routines. If only daycare wasn’t a petri dish but that immune system needs to be built sometime and early is better than later.
Daycare has made a huge difference in our ability to get things done and not be exhausted every second of every day. It’s been absolutely critical in letting us both have our alone time professionally, and therefore have the energy to give each other personal time.
I’m not a morning person but sometimes my pain drives an extra early morning whether I intended to or not. This means that it’s not always a good idea to insist on getting everything done the night before. For the first time, I’m becoming relaxed about doing as much as I can, when I can, and trusting that the rest will get done in its own time.
:: What morning routines work best for you? Are you decidedly at your best at any particular time of day or day of week?
March 28, 2016
I wrote a response to Nicole and Maggie’s question: How do you balance the importance of your salary with the importance of your partner’s?
But the site wouldn’t accept my comment either because WP.com is weird or I went way off track and it’s judging me. Whatever the case may be…
I’ve been single longer than married and that heavily influences my answer, as much as peering into some key past experiences.
My salary, Version 1.0
Just after high school, I started a minimum wage job full time. My parents were skeptical, college was due to start in a few months, but trusted my judgment juggling work and school.
Sidebar: Lucky for them, and lucky for me, that I took that job. It kept us afloat for the next four years.
A friend of a coworker was in her mid-40s when she joined our staff. It was an entry-level, no experience required, training on the job situation. She had no work experience. In her late teens or early 20s, she married a man who made the money and wanted a good looker on his arm to bear him children. Her job was to make him look good by looking good, raise the kids, and have an acceptable hobby or two to keep herself entertained. Her job benefits were a roof over her head and food on the table (that she cooked, of course).
At some point, and before he replaced her with a younger model, she realized she wanted to actually live a life while she had any hope of one. Giving it all up, she went to work for the first time and sank like a stone. I was in charge of training her and it took months for her to learn all the things people have to learn about the workplace, many years later than they do. Eventually even she, who was hardest on herself, was proud of how good she’d gotten.
That lesson was burned into my soul.
My salary, Version 2.0
In truth, I don’t think it’s just one single decision, it just looks like it. Over those 20+ years, she would have make that decision more than once not to work. But the sum total is that she trusted him to take care of her, and didn’t consider the bargain a poor one, until it was quite late.
Kids were not an option back then but for sure I didn’t want to be a stay at home me. My temperament was not suited for childcare. Mom was more than ready for grandkids but my mind, body, and soul needed to hustle and earn. Besides, I had more than enough to take care of: Mom and her illness, Dad and his badly hidden depression, Trainwreck Sibling and his multitudinous mistakes in life.
By the time PiC came into the picture, I’d been on the grind for what felt like a lifetime. 80 hour work weeks, school, family, my plate was full, stacked atop another full plate, and precariously wedged between a thumb and a finger while the other hand walked the dogs. Fresh at a new job and out of school, “only” working full time now, my earning power was laughable. Rather than wanting to lean on him, my pride was pricked. Until I could match, and overmatch, his salary, I didn’t consider us on equal ground.
We had widely disparate backgrounds and it mattered.
I hated that I was the poor girl from the poor family that had never had money while he came from a real upper middle class family that was quite comfortable and had never gone without a meal. Months before we met, I was still living off my puny earned wages, eating one meal a day, and our economic class differences burned.
It didn’t matter to him, it never mattered to him, but it did to me.
He didn’t know it for years because it also felt like a shameful weakness. So I buried it, and I earned. And I earned. I negotiated and earned some more. There were many other good reasons to do that, and they were much more important, but looking through the view of the relationship glass? I needed to make my way in the world, I needed to blaze my way, to prove my worth to myself before I would allow anyone, any man, or any man’s parent, question my worth, ever again.
I’d dated boys whose rich and racist parents weren’t shy about telling me that I was less-than-worthy, “because the Chinese are far better than the [insert any other Asian race here]”, and damned if I was going to let that shake me again.
I’d had a crawful of being demeaned and it taught me a simple lesson: if they didn’t respect you when you had no money, that’s not respect now that you do have money. (But go get the money anyway.)
My salary, Version 3.0
I went after the money for a lot of reasons. Survival. Self respect. Confidence. Achievement. Pure buying power. Investing power. Security. Most of those reasons still apply now. It’s less fraught, though.
At this stage of our money journey, PiC’s and my salaries are both respectably high and nearly on par. Together, we can afford our lives here, we can save, and take care of family. On one salary, we would survive but things would be much less pleasant. One salary would have to outpace the other by at least 50% before we’d even consider relying solely on one salary. I’m not sure what we’d decide at that point.
Philosophically, I still value earning power as an expression of my worth more than not. It gives me a competitive edge in the workplace but, mostly, it should be left there. PiC values it as an expression of money in the bank and the ability to buy foods and things. That’s better than the other way around, I expect.
How about you? Do you associate your worth with your earning power? Would you feel comfortable relying on a partner if you had that option?
*Part of Financially Savvy Saturdays on brokeGIRLrich, Disease Called Debt and Thrifty Meets Spendy