January 4, 2024

Money & Life Report: December 2023

Net worth and life update: Image of nest with 5 blue blackbird eggs.

On Money

Income

Our primary income comes from our full time jobs. We have minimal income from investing in index funds and dividend stocks (all reinvested). We earn money on the side to supplement our main incomes. We get a bit of income from Swagbucks, cash back sites (Rakuten, Mr.Rebates). As an Amazon and Bookshop affiliate, I may be compensated for purchases through my links. The sidebar has ways to support the blog and our charitable giving.

Our long term goal is to replace our day job income with passive income before my health prevents me from working. I know from my Mom’s experience that qualifying for or relying on disability is incredibly tough or near impossible here in CA. Aside from that, I aim to do my best to make the most of what we can do while we can.

***

Dividend income. We received $510 in dividends from the stocks portfolio.

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January 1, 2024

Living in the time of pandemic: COVID-19 (187)

Year 4 of COVID in the Bay Area.

Year 4, Day 272: My family isn’t Christian so we had no real reason to do Christmas but our parents enjoyed doing the gifting and the trees early on when we were little so we got those until I was 8? 10?: the trees, the gifts, the time together. Then it all stopped. I know why. My parents worked every single day of the year and were far too tired to add unnecessary extras. I understood but it still kind of stung. I spent years after I got a job working trying to recreate a bit of it, buying gifts for my family and such like, but no one was interested in spending time like that together and so I eventually gave up and sought that with other families. Now, in my turn, I have very little interest in “creating the magic”. We get the kids a few gifts but they get showered with enough gifts from loved ones that it’s all extra bonus.

I don’t feel “Christmas spirit”. If we’re talking about kindness and generosity, that’s something we try to put into practice all year round. This time of year, we go along with the stuff that his family does but none of it appeals to me in any real way. I’m a bit curious what I would enjoy if I could remove what everyone else does and prefers from the equation. Is it nostalgia to want to go back to the days when we didn’t really celebrate Christmas but exchanged some presents and went to the movies with my cousins, or would that actually be fun now?

Year 4, Day 273: Every year winter sets in and I get pushed totally off my game. Why is it so dark so early? Why is it so cold? Although it’s actually less cold during the rainy days. The real question is why am I always taken by surprise by the shift? This happens EVERY YEAR.

But the cold brought out beautiful red leaves on our blackberry bush so that was nice. Here’s hoping it bears fruit when spring comes.

*****

While walking Sera, I started counting our neighbors. There are the really awful ones who picked multiple, daily, petty fights with us when we had a newborn at home. They are either moving or renovating, I’m hoping they’re selling and leaving forever. I’ll never trust them not to be petty horrible liars again. There’s the family we trade package safety with, we text each other to take in packages for us when we’re out and that’s a nice reciprocal favor trading. We see two sets of neighbors at school dropoff and pickups, they’re friendly. There’s a set of dropoff neighbors who won’t ever say hi to us, despite my attempts to at least politely greet them. There’s the nice hippie who always pets Sera 🐶 or waves good morning and the nice old lady who used to always ask after Seamus when she walked her dogs. We don’t know everyone but we know at least a half a dozen now, and that feels a little like the start of a local community.

This doesn’t come easily to me, I’m generally not into socializing, but we’re alone here and it’s important to build some local connections. My friends are all online and sometimes you need local people.

Are your neighbors friendly?

Year 4, Day 274: Drat, I wish I’d defrosted the scallops and shrimp earlier to make seafood pasta. That’s something I don’t feel comfortable defrosting in the microwave – I hate to ruin good seafood.

*****

I used to knock out 270 points on Bing a day easily, maybe 2 minutes of time a day, and it’d add up to $100 in gift card redemptions a year but lately they’ve added so much friction (lower points for activities, not rewarding points for searches) that it’s not worth the amount of time/attention I’d have to spend on it anymore. Alas, I’ll miss that tiny stream of random spending money.

Year 4, Day 275: Therapy was hard this week. Talking about the my need for support with some complicated family dynamics, every part of me still struggles with the idea that I deserve help or support or that I can do hard things with help instead of having to tough it out alone.

Increasingly, though, there’s increasing evidence that doing the opposite of my norm is better for me. My asking for help I don’t ever want to admit I need, or even just acknowledging that I need it, to navigate understanding one complicated relationship after another creates a significant change in my pain. It’s not a straight line from therapy to improvement and it’s not a cure, but I have observed: my flares are less frequent, they last fewer days (where they used to span 2-3 weeks of crippling pain), the high intensity level is lower than it used to be. Even if I wanted to go back to old patterns, I don’t want the pain that goes with it.

Also I am still struggling with internalizing the notion that my offering support can sometimes simply take the form of being there for people without taking any physical action. The need to DO something is so deeply ingrained.

Related, in a fictional way: I put on very old shows that I can mostly ignore during my work day. This week it’s Bones. In the episode where Hodgins learns he has an institutionalized brother he’d never met, he only found out because the bills came due (and he’s no longer rich). Booth offers him a large sum of money to pay for his brother’s stay “until you figure something out”. Hodgins declines, “I’ll take a loan, like the normal person I never was.” That struck me as nonsensical. How is he going to pay that loan back? If he can’t afford the institution fees now, how is he going to afford the fees plus interest if he and Angela make no changes to their jobs and salary? To my mind, this is one of those times you let your friends help your family. It’s not like you’re taking it yourself. Of course, that’s easy for me to say in a hypothetical way. If I were to be offered a large sum of money from a wealthy friend to pay for a family member’s care (can’t speculate on siblings because I already have such a bad history with mine) I wonder if I would still feel the same way. Maybe I would.

What would you do?

Year 4, Day 276: How long-lived are your clothes? How often do you feel the need to replace pieces?

My clothes tend to last roughly 7-9 years before I cycle them out. I’m still using maternity underwear from the first pregnancy, they’re getting threadbare. I could probably stand to get a couple new packs. But maybe not yet. My jeans from 7 years ago died an ignominious death, as my pants generally do. I’ve been wearing hand me down skinny jeans but I hate skinny jeans when my hands are hurting. It’s hard enough pulling them up on a good day, it’s impossible on a bad day. So the current jeans are brand new. Three of my four Target tees, bought 6 years ago to attend a FinCon, have sprouted so many holes even I’m a little embarrassed to wear them anymore so those are out. I replaced them at Comic Con this year with Fat Rabbit Farm shirts. They are much more expensive but also much higher quality, judging by the one I have owned since 2014(?) that’s still in great shape. My hoodies and sweatpants are new from the second pregnancy, er, well, “new”. I guess they’re actually about 3 years old now but they still seem new relative to the rest of my wardrobe.

December 25, 2023

Living in the time of pandemic: COVID-19 (186)

Year 4 of COVID in the Bay Area.

Year 4, Day 265: Brrr. Cold, dark, and rainy. Best for sleeping in, not best for Mondays when you have to get up and get out. I’m eagerly awaiting the last of the gifts I ordered to arrive today, mostly for my furry niblings.

It feels like I must be buying things (cold meds for the kids, shampoo/conditioner/toothpaste, etc for us, gifts for other people that are on their wishlist) to feel better about something but it’s probably more my natural hoarding tendencies kicking in, along with a small side of self-soothing pre holiday anxiety. Generally, they’re all practical things. Even the things I don’t need, just want, aren’t terribly extravagant – all of the Toby Daye series, the few Incryptid books I’m missing, the rest of the Murderbot series, nice pens, cool stamps.

*****

You know what would have helped this morning? Remembering that I have to generate dopamine before getting into complicated work. Going at it backwards made the work a lot more painful than it needed to be.

Year 4, Day 266: More than 4 hours of sleep after a late night of work and before a very running around day would have been deeply appreciated but it wasn’t in the cards. Smol Acrobat was on the night terrors track and then my body was angry for the next few hours.

So I ran Sera 🐶 out for her walk. I ran JB to school. I ran back to school for their Winter Performance. I ran back home. I had therapy. Then I ran to pick up JB from school. Later I ran them to their class. Then I threw together dinner in 30 minutes: tortellini (3 min boil from Costco), a pot of rice in case the tortellini was rejected, the last of the salad bag, quartered the pound of brussels sprouts and sauteed them in butter, oil and brown sugar (which I added after tasting one and it was disgustingly bitter), heated up the leftover panko chicken.

Of course that’s around the time Smol Acrobat decided they were Very Very Sad/Angry and had to have a screaming fit. JB couldn’t jolly them out of this one so they and I went to sit (lay down on the floor) in their bedroom while they worked it out of their system. By 7 pm I was entirely out of gas. But not out of work!

Year 4, Day 267: We’re four days into the first bout of the rainy season. My toes are perpetually cold, and my overprotective (very kind) neighbors are shocked that I insist on wading out into the wet without an umbrella. This is a holdover when my hands hurt far too much to hold an umbrella, I still avoid using my hands for anything that I don’t absolutely have to, to spare them for the things that are very necessary. A hoodie or a hat will suffice, I’m lucky enough to head back to a warm dry home after I get soaked so it doesn’t bother me.

Most of the year I wonder why we pay for rain boots for the kids, these are the days I’m glad we did. The Crocs rainboots we got for Smol Acrobat are pretty delightful. They’re bright and cheerful, and so lightweight they can tromp around in the rain without losing a boot, unlike the clunky old hand me downs they’ve had. I’m all for hand me downs normally but sometimes it’s better to just buy what you need.

Year 4, Day 268: We’ve bought so many things for other people in a short period of time that I’m having trouble tracking all the charges to my credit card. I’m JUST keeping on top of it with extra spreadsheet notes but the Amazon charges are bizarrely off by a few dollars each. That troubles me. Is this a potential hacking problem or something else? Hopefully it shakes out fine in the end without extra work from me.

In semi-related news, my travel and holiday related anxiety appears to continue to hover at lower levels than historical baselines. I noticed this shift earlier in this year and wondered if it would continue to hold. Instead of big giant holding-breath level anxiety and needing to do things like packing six months out, I find myself managing my cope with smaller actions. Setting up spreadsheets for 2024, paying bills, buying consumable supplies for the household, semi-obsessively checking bank accounts – all of these help me cope with the balance of feeling in control of some things and not in control of other things.

Rosacea: It’s been about a week since I started using the cream. In the morning, I used my micellar water to wash, applied the cream and a bit of lotion. Later I’d put sunblock on top before going outside. In the evening, I used the same. I’m not really sure if it’s making any difference yet. At least one day in the past week my redness flushing and that weird feeling like the reddened skin is thickened flared up pretty seriously. It took a few hours for the effects to settle down some. The feeling like the flaring skin is thickening makes me nervous about longer term developments. My mom struggled with incredibly painful and widespread rosacea and I don’t want it to get that bad. I’ll keep using the cream and observing here how it works.

Year 4, Day 269: The kids being on break plus my working until midnight every night this week = today feels like a very bare minimum kind of day. I don’t want to do anything that doesn’t absolutely have to be done today.

A moment of “we live in the future now”: a cousin texted me asking if she could Zelle me something for the kids for Christmas. Our family tradition is to gift red envelope money but you have to show up to get it. My kids have been out of luck because we haven’t traveled for Lunar New Year since they were born? We don’t make the traditional rounds (in part because time is short and mostly because my feelings about my family are complicated and I didn’t know until last year that they were on my side), so they haven’t gotten any gifts. It’s not an exclusion thing specifically, it’s just how we worked. You give a traditional blessing and they give you the red envelope. My energy has been too limited to make that happen. Anyway, it amuses me to have my elder cousin bring this gifting into the present using technology.

December 20, 2023

My kids and notes: Year 8.10

Life with JB

JB has been demanding war history at dinner without any warning at all so I’m having to drag my tired neurons into synopsis mode to try and distil the 9/11 attacks, World War 1 and World War 2 into brief coherent to a kid summaries at the drop of a hat. It hasn’t gone very well, I’ve mostly had to say “it’s complicated we’ll come back to it later” but I’m proud that I remembered correctly that Woodrow Wilson was the president during WW1. That’s something.

*****

They’ve chosen to do two scary things this month (let’s say it’s the kid’s equivalent of public speaking) that make them nervous but they volunteered to, anyway. I’m continually impressed/surprised by their willingness to try things I never would in a million years have been willing to even consider. A friend’s dad commented that “kids these days” are braver than our generation was. I don’t know if that’s generally true but it’s absolutely true of JB vs me. I hope it comes from a deep confidence that I never had.

When they were a toddler, I used to comment that they were born with the amount of courage and confidence that it took me 32 years to scrape together. That seems to hold true, still. And I’m doing my best not to ever share my own misgivings and fears to as not to infect them unnecessarily, like my inability to watch their swim lessons. My big fear of water means that their splashing around perfectly safely, but not yet proficiently, still all looks and feels like drowning to me. *shudder*

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December 18, 2023

Living in the time of pandemic: COVID-19 (185)

Year 4 of COVID in the Bay Area.

Year 4, Day 258: My three sweet potato sprouts are dead. Unexpected cold got them, maybe. More slips are growing in the garage, we’ll try again after January. My onions are still going strong, though, the green tops show no sign of going yellow and flopping over. Here’s hoping they continue to grow another month so we don’t have to worry about them right in the middle of holiday stuff.

*****

JB lost a specific set of screentime privileges and has to earn it back by setting the table ten times in a row without being told. They have failed to do this 9 times out of ten so far, and that tenth time they only managed it because I wasn’t home to tell them. Every night, I have to tell them to do it which means they don’t get to check the box that says “I set the table X times without being told.” The whole point of this exercise is to train them to remember we eat dinner every single night and to set the table without my having to tell them what to do and clearly I have failed to set them up for success. Open to suggestions.

Year 4, Day 259: This may have been brought on by being mostly awake since 3 am but I’m having an existential … not-crisis … hiccup? I feel like I’m in a bubble of not-being. Or rather a bubble separated from who I am. In the big picture, this hiccup doesn’t matter because I have a dog to walk, the recycling to take out, paperwork to process, kids to pick up and feed. These things are going to happen whether or not I feel wholly at home in my skin or part of my/any community.

I also feel disconnected from so many people right now even as the holiday cards roll in. Maybe they’re a reminder that I’ve felt so isolated all this year and there’s some guilt over that as well as frustration about having wasted an entire year battling a nonstop circus of viruses. It sucked feeling sick all the time for a whole year. I got nothing done. What a waste.

*****

There is something really grounding about running into a neighbor with their puppy that likes Sera, though! They “played” which was the puppy trying to roll under Sera while she grumpily snarled at them to submit and then getting mad when the puppy kicked her. I gave them both treats and they settled right down.

*****

Had to grab impromptu takeout for dinner because the chicken wasn’t defrosted in time for me to cook it. We used to limit our eating out to twice a week and it was usually $27 after tax and tip. These days it’s more like $55-65 after tax and tip to feed four, usually with some leftovers.

*****

I’ve had to shop Amazon this fall for a number of items we can’t get elsewhere. Just heard that if you tell your Echo device or Alexa app “Thank my driver” they’ll give your driver a $5 bonus. Echo and Alexa are not allowed in my house but if you search “Thank Driver” in the app, you can do it that way too. This little message appears at the top of my app screen:

Amazon should just pay generous cash bonuses and cover the taxes, along with real living wages, but since I can’t make that happen, I’ll do this as long as they have it.

Of course I’m a little suspicious why they have it going, because they’re not to be trusted generally but unfortunately they’re the only source for a number of things we need to buy right now.

Year 4, Day 260: Do you consider your statements to be commitments? Suppose you say “I’ll pick up the potatoes today after work.” Would that be a solid commitment in your mind, or do you assume that it’s automatically hedged with “if I can”?

We have a difference of opinions here. I think if you make a declarative “I will” statement then you’re committing to the thing so either be upfront with your known limitations/conditions (if I have time, if that meeting doesn’t run long, etc) or say you’ll try and leave it at that. PiC thinks treating a statement as a promise is too . I say his way leads to chaos. Disclaimer, this isn’t a huge problem for us. It’s just one of those things we disagree on the basic premise for and I’m curious if it’s just us or if other people see it differently as well.

I see this playing out with JB now. He’ll say “we’ll take a ride on Xday”, so they expect a ride to happen come hell or high water on Xday. And then if something comes up, they’re not just disappointed, they’re also confused about how the statement of fact became false: we were going to ride but we didn’t.

I explained that extenuating circumstances happen and they happened in this case. But as kids will do, they fixated on when when when will we take that promised ride?

How do you receive these statements?

Year 4, Day 261: Now that TV ads are a thing on our streaming services again, I’m seeing those holiday car commercials “Lease a BMW for $699 a month!”. It got me thinking I can’t imagine having a giant monthly payment ever seeming like a good thing to take on again. But on the other side of it, the idea of saving that same amount each month in preparation for buying something large seems totally reasonable. Both are taking money out of the paycheck, but the perspectives feel completely different.

*****

This is my fourth day trying out Dear Klairs Midnight Blue Calming Cream in what feels like a probably fruitless attempt to calm down my rosacea redness. The redness annoys me and this is the first time I’m trying a product to combat it. Maybe it takes a week or two for this sort of thing to work if it’s going to help? Maybe it can only help reduce redness temporarily, it’s not like it’s curing anything.

*****

Out of four pairs of Old Navy jeans, boot cut and straight cut, in dark wash and black, only the black pairs fit and the straight cut fits best. Drat. I don’t love boot cut like I used to. They’re all the same size but the dark wash was a struggle to pull on. The working theory is the dark wash jeans were made at a different factory. The takeaway: buy two of each of everything when trying to figure out what size you are to have a chance at having two pairs of something fit well.

Year 4, Day 262: A friend insisted on giving me a Christmas gift, despite my protests she’s already been so generous to us, so I caved and admitted I would love an ebook from any of my comfort reading series that I’ve only given the library money for (Murderbot, Toby Daye, Kate Daniels). I’ll pick up the others myself, probably slowly, but she can start me off with the first one. I have some of the Innkeeper books and some of the Incryptid series already, when I found sales a few years back.

*****

I planted two sets of onions from sprouts. The six sprouts from the first set are still going strong. One of the three from the second set turned yellow and flopped over which is how you know they’re ready to harvest, except that it was just dead. Eight possible onions left! 🤞

*****

Friday food! This was very much a make-do week. Monday we had the fundraiser burgers. Tuesday we grabbed Chinese on the way home from activities because the chicken was still frozen. Wednesday must have been leftovers, and I also threw together a diced chicken and Chinese broccoli slivers stir fry with a packet of leftover bulgogi sauce. Thursday, PiC and Smol got home first so they started prepping breakfast for dinner. Friday I tried to place an order to the taqueria for pickup four times online before I finally gave up and sent PiC in my place. I’ve taken to adding a pozole to my order so we’d have a warm delicious soup for dinner or for leftovers.

The three remaining packets of chicken thighs were still kind of frozen so they had to wait for weekend cooking.

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