March 19, 2012
In Donna’s Strategic Pizza, she shares her experience with the beginnings of the same phenomenon that I’ve noticed has crept into our own shared lives organically, but not comfortably, over the past year and some.
One of the natural effects of living with PiC has been that my normal levels of frugality and privations to make sure that ends are met are offset by extra spending where I normally would not have chosen it.
Left to my own devices, life is conducted Broke Student Style. I don’t eat out, I don’t buy anything I don’t need unless (or even if) the existing item is falling apart, I stay home all weekend, every weekend because I can be productive, learn, and monitor finances without spending money that way. I’ll buy gifts, frugally, but rarely are purchases for myself.
PiC looks at me crossways, wondering why I didn’t just stop and pick something up to eat if I’ve run 4 hours of errands and I’m exhausted. He wonders why I don’t go out on a sunny day to shop, plan brunch, or have dinners out with family and friends.
Not only does it not occur to me to do that instead of cheap or free options like taking a snack on errands, cooking at home or going to the park or hanging out at home and catching up, it actually feels like I’m going off the rails. I’m being foolish and wasteful, spending.
Our experiences have shaped us so fundamentally differently, he and I.
When we come home after extra long (14+ hour) days, I wonder: What’s in the freezer and fridge? What kind of meal can I throw together if I don’t already have one ready? I can defrost and put something together. Or: maybe I can just pass out and forget dinner.
His is: Let’s just get take-out and get that worry out of the way.
The last thing I want to do is add spending guilt to my fatigue. The last thing he wants to do is spend more time and energy at the end of a long and tiring day.
Now that my health is so largely exacerbated by exhaustion and our income isn’t scraping by penny to penny, month to month, I have to admit that he has a point. I have to keep reminding myself that the ledger doesn’t need to be the absolute first (and only) priority.
In the early months of our living together, it was incredibly difficult not to object every single time the subject came up. To keep the issue from becoming a point of contention, I tried to artificially restrict the number of meals and the cost of eating out. I needed to impose some limits to know that we weren’t going to spiral into an endless convenience spending cycle.
After many months of tracking our expenses, we’re still looking for a system that suits us, but we’ve come to an understanding. Some convenience spending is part of our lives as a freedom he’s accustomed to, particularly when we’re, one or the other, just too tired to scrape the meal together, but we limit it to those times when the fatigue threatens familial harmony. The amount is still more than I’m comfortable with but that’s to be expected; we can work on that. Meanwhile, I’ve been learning to let go of the wallet-anxiety a little.
This is a small step in the direction of living a mindful, purposeful, and ultimately, peaceful life.
Married Life Posts:
Married Life: Benefits
Married Life: Mortgage Prepayment for Refinancing
February 29, 2012
Nicole and Maggie (I’m on a Grumpy Rumblings kick this week, as you’ll see): request in this post:
Please do not try to work full-time and also go to school full-time. That’s why we have low-interest loans for education. Don’t take out more than the average salary for someone in your major from your school, but don’t kill yourself either. School isn’t just a degree– the reason it gets you a job is because of the skills you learn, and a lot of these skills are fuzzy… they’re training your ways of thinking. How to think like a [insert your major here]. If you’re just repeating things you’ve memorized back, or cranking numbers through an algorithm like a computer could, then you’re not really much more useful to an employer than a high school graduate would have been.
If you do work full-time and go to school full-time, don’t blame us for trying to make you get a solid education even though you don’t have time for it. Choices = consequences. As your professors, we realize that you have other things in your life besides our courses. But if you don’t place a high priority on our courses, your grades will suffer, and if they don’t, you have to wonder about the worth of the degree you’re getting. More importantly, you won’t be learning anything. Save yourself the time and money and don’t go to school full-time now if it’s not going to be a priority.
And… regardless of the schooling choices you make, it is never too late to learn and grow and change.
Do you think people should be encouraged to work full time while going to school full time? What would your advice be?
The comments thread was so big I didn’t even want to dive in so I thought I’d muse over here instead.
Now, I’m that kid that went to school full time and worked 40-80 hour weeks. More or less, I didn’t plan to pay for college because I thought I’d get more scholarships than I did, and I thought I would have my parents’ support, not that I’d be supporting them.
While I graduated with an ok GPA that I wouldn’t state publicly because I’m not proud of it, it’s not bad. It’s just not as good as I think it should or could have been (summa cum laude, say). I know I skated through at least one class on decent testing skills and probably the professor’s empathy (B). Also, I took some classes that were just for learning because I wanted to, not because they were required and not because I knew anything at all about them. And those Russian Lit classes were way above my brain-grade so making Bs in those classes was kind of a miracle.
Yet, I always got my homework done, always. I took care of my ailing mother, I worked my tuckus off and I graduated within four years. It required a bit of summer school, very little social life, and very little sleep, but I did manage it. And I have a thriving career now, thanks to the start that degree gave me.
Meanwhile, here are Nicole and Maggie citing studies that working less than 10 hours per week is beneficial and while working more than 20 hours per week is detrimental.
And I’m wondering – what would I do if I had kids?
Deep down, you know I’m totally going to judge my kids if they don’t at least try to work through college, whether it be a few hours during the week or just full time summers, right? There’s absolutely a bit of me that says you have to want it and you have to earn it, and yo’ momma wasn’t the smartest cookie in the jar and she did it, so can you. And I recognize that’d be poor parenting and the voice of inexperience being 18+ years away from having to even think about the question. But still.
What is really a good answer here?
Obviously, I haven’t a clue because I haven’t met my prospective kids yet, so I don’t know what might be best for them in their specific circumstances. But I am quite certain that their future does involve having a vested financial interest in their success and progress through college.
:: What would you do? What did you do?
:: Bonus question: did being either an on-campus or commuter student affect your experience?
February 26, 2012
It’s been a heck of a week. Not terrible but tiring. I finally caught up with my dad and found out that there have been multiple deaths in the family. It’s maybe a good thing that I didn’t know about them in time to attend the services as I would have felt obligated to attend. Instead, I’ve been focusing getting things done at home and exercising myself and Doggle.
Kind of overdid it though, between being emotionally overwrought thinking about Mom and seeking catharsis through cleaning. My hands and arms don’t appreciate the outlets that my brain seeks, which is really frustrating as physical activity is so good for the brain.
Posts for Perusal
Little Miss Moneybags and Peanut got their Life Insurance in order. PiC and I organized our life insurance along similar lines, though we will likely be having more conversations to get aligned as things change. At the time we sorted our insurance, he was well able to take care of any financial needs without my income. Without me, he would likely still work in this town and stay in this home. He would need some assistance for sorting things and Doggle, so I still carry insurance through work but both he and my dad would be beneficiaries of my life insurance because I don’t want him to be financially responsible for Dad’s healthcare and continuing care. (I still have to set up a trust for that.) If he’s gone, I couldn’t carry the costs for myself, this home and my Dad however long I had to support him, so I would need a fair amount of extra income from his insurance.
Eemusings on the Cost of Convenience: I’m pretty sure that I’m close to the same as eemusings. I hate spending money on convenience items like snacks when they’re not part of the grocery shop. But I will buy things as part of the shopping trip like chips, nuts, frozen foods for reheating on those nights when we don’t want or don’t have time to cook a full meal.
A Recipe
I have SingleMa‘s Pinterest obsession to thank for this one. She pinned this Crispy Honey Lemon Chicken recipe several weeks ago and the name (of course) stuck in my mind. I rather obsessively went back to hunt for it when trying to decide what to make for dinner and made it with some alterations to the recipe to suit my lazier cooking style and general preference for baked over fried (faster clean-up).
Original:
Crispy Honey Lemon Chicken
serves 4-6
Ingredients:
4 boneless skinless chicken breasts, cut into pieces
1/4 cup olive oil + 3 tablespoons
3 tablespoons honey + more for dripping/drizzling
the juice of 2 large lemons
1 tablespoon fresh lemon zest + 2 teaspoons
1/2 teaspoon salt
1/2 teaspoon pepper
1 cup all-purpose (or whole wheat) flour
2 tablespoons cornstarch
Directions:
In a bowl, combine 1/4 cup olive oil, 3 tablespoons honey, lemon juice, 1 tablespoon lemon zest, and a 1/4 teaspoon each of salt and pepper. Whisk ingredients together, then add chicken pieces to a ziplock bag and pour marinade over top. Let sit for 30 minutes – 2 hours.
When ready to make, add flour, cornstarch, 1 teaspoon lemon zest and the remaining salt and pepper to a large bowl. Mix well. Heat a large skillet on medium-high heat, and once it is very hot, add 1 tablespoons of olive oil. Coat chicken pieces in the flour mixture, then add to the skillet and cook until each side is golden brown, about 3-4 minutes per side. Remove and set chicken on a paper-towel covered plate. Cook remaining batches, adding more/less oil if needed. I used 3 tablespoons, but depending on how coated your chicken pieces are you may need a bit more.
Serve with rice and a few tablespoons of honey mixed with lemon zest for dipping.
Modified
Crispy Honey Lemon Chicken
serves 2 greedy-faces
Ingredients:
4-8 chicken drumsticks and/or thighs, bone-in
1/4 cup olive oil + 3 tablespoons
3 tablespoons honey + more for dripping/drizzling
the juice of 2 large lemons
1/2 teaspoon salt
1/2 teaspoon pepper
1 cup all-purpose flour
Directions:
Preheat oven to 400 degrees. Cover a roasting pan with foil.
In a bowl, combine 1/4 cup olive oil, 3 tablespoons honey, lemon juice, and a 1/4 teaspoon each of salt and pepper. Whisk ingredients together, then add chicken pieces to a ziplock bag and pour marinade over top. Let sit for 30 minutes – 2 hours. (Or overnight.)
When ready to make, add flour and the remaining salt and pepper to a large bowl. Mix well. Coat chicken pieces in the flour mixture, then place pieces side by side in the roasting pan.
Bake for 20 minutes, turn, bake for another 10-15 minutes until done.
Serve with rice and roasted vegetables.
December 27, 2011
Andrea’s post Are We Defined by Our Mistakes? touched some nerves at So Over Debt. Her personal life with being broke and professional experiences helping the impoverished and the reactions to her conclusions illustrates how complex the issues surrounding poverty. And every time it seems defined, there’s another rock to label.
There aren’t simple, easy, sound-byte answers. There isn’t even an easy list of questions. If ever there was an area in which we tended to chaos, this is it.
Yes, our choices make us who we are. But yes, our nature make us who we are. And yes, our surroundings and environment make us who we are. So yes, until our mettle is tested, we won’t discover who we are. The snake eats the tail. As much as I hate that image. All of those influences feed into one another, all of them overlap and intertwine and jostle for position.
*****
If ever we were emotional about money, I find that we are that much more reactive about the lack of it. And our neighbor’s lack of it. And his neighbor’s lack of it. Because no matter what politics you vote, no matter what religions you preach or practice, social inequality and ills touch us all. And it roots deeply, for some more deeply than others, for some more personally than others.
There’s what seems to be need to stifle compassion lest it be construed as weakness(?) in many reactions particularly for those who haven’t experienced it; someone else’s poverty is to be mocked lest it taint, spread or corrupt. Judge lest ye be included, I suppose. It is a fact that in the greater picture, the existence of poorness affects us all. It could be you, there, one whisper says. It’d better not be, roars another voice, I work hard, I don’t deserve that! It’s another version of “there but for the grace of God go I.” It’s another version of “Get away from me.” And so on.
And it could be your sister, your brother, your parents, your son, your daughter, your grandparents. Your friends, your cousins, your aunts or uncles. It could be anyone you know and love. And for every single one of those people who might be poor, we can search to find reasons why. Why this one succeeded and why that one did not, and eventually you may find patterns. There are, in fact, statistics and patterns – I’ve seen them, anecdotally, but I can’t for the life of me see how to put them together and draw a good analysis from which we can do better.
There’s also resentment, resentment that we work hard and have to keep doing so while others who are less well off are being helped along. Therein lies judgment. Therein lies the willingness to lay blame at others’ doors whether or not it makes sense. I’ve been guilty of this a time or two with my brother. I sincerely doubt that his newly bloomed mental issues were always the cause of his behaviors in the past and it’s still hard to move past that to a place where I can unreservedly do what I need to do. But that’s hardly productive and doesn’t get at the real issue. He needs help and with boundaries, I am capable of rendering basic assistance. It’s always easier said than done. But that’s the bottom line.
If there’s a complicated question to be asked – why him? Why not me? He was born with a myriad of talent, I, very very little. And raised in the same household with the same parents with the same educational benefits, except his was actually a little better. He had every bit as much privilege as I and yet here we are.
*****
But the story, my friends, the story isn’t over until it’s over. Deep in the fabric of this country, in its soul, is the foundational Horatio Alger archetype that we can all bootstrap our way from rags to riches will-he, nill-he, the American Dream, the dream that we can all one day become successful – whatever that means.
That too, drives much of the emotion and expectation, by the way. Why can’t you lift yourself up from the ashes? Well, sometimes, coming from someone who barely believes this in her own life but knows it really is true: sometimes you can’t. And you certainly can’t do it alone.
I do wholeheartedly know this: It’s sheer folly and hubris to believe we exist in a vacuum and can succeed and achieve wholly on our own. There is an enormous amount of effort and blood, sweat and tears that has to come from you when clawing your way up. But alone? Unlikely to the extreme.
Before there were helping hands, there were free internet forums and smart people setting up systems to make an extra dollar and sharing resources. Before there were scholarships, there were libraries with free books to borrow. Before there were blogger-friends, there were real friends who stood staunch in the breaches and supported me even when there was no personal gain or experience of what I was going through. Before I graduated college, there was at least a thousand hours of overtime. I had to do just about everything with my own hands, my own brain and my own breath and I had to sacrifice a lot to get there. But I had the support of a few good friends whether or no it made sense to them and I had one heck of a lot of resources provided by other people. There’s no way I’d ever say I did it all by myself.
*****
People come here, my people came here, to live, to thrive, to make lives worth living. Not to fall to the depradations of political strife, corrupt government, grubbing out a living from the riverside or out in the jungle. Instead they faced a new world and its urban challenges of prejudice, language barriers, drugs, a corporate world rife with sheathed-claw politics, business conducted fairly or unfairly as the tempers befit the owners.
Should they be sketched, though, I suspect that the patterns of poverty would fall out similarly even accounting for personal choice and individual deviations. There are enough patterns over the generations that even my untrained eye can note them.
*****
Excerpts from what John Scalzi said:
Being poor is knowing you work as hard as anyone, anywhere.
Being poor is people surprised to discover you’re not actually stupid.
Being poor is people surprised to discover you’re not actually lazy.
Being poor is a six-hour wait in an emergency room with a sick child asleep on your lap.
Being poor is never buying anything someone else hasn’t bought first.
Being poor is knowing you’re being judged.
I could keep going down that list, nodding, but the even more compelling parts are the comments. This set, John’s response to a (particularly, I thought, smug and righteous) comment, and the bolded bit is my emphasis, that was in no way reflective of the tone of the thread sums up much of why I’m going on about this:
Kathy Shaidle writes:
“Instead of posting a semi-romanticized, heart-wrenching litany of the things poor people have to put up with when they’re too lazy and/or dumb to get their acts together like we did, why not write another post telling poor people how you went from poor to not-poor.”
Ms. Shaidle, as you may or may not know, I live in a small Ohio town, most of whose inhabitants can be described as the rural poor: They work on farms and they work as blue collar workers. Many of them are poor, because as I’m sure you know farming and rural blue collar work doesn’t pay particularly well.
Very few of these rural poor are lazy, Ms. Shaidle. In fact, they work as hard or harder than anyone I know. And while many of them are uneducated, uneducated is not the same as stupid. In all, these are good, honest, hard-working people. Perhaps you are comfortable classifying them, and other hard-working poor, as “too lazy and/or dumb to get their acts together.” I am not.
Conversely, I’ve worked in high-tech and publishing for much of my life, and as a consequence I’ve known lots of middle and upper class folk. Some of them are quite lazy and/or stupid — so many, in fact, that I am quite comfortable making the observation that dumb and lazy can’t possibly be the deciding factors in who is poor and who is not in this country, because if they were, I wouldn’t be stuck in a three-hour meeting with this idiotic schmuck who is about to dump all his work on me so he can get out to the golf course.
I think it’s a problem that people assume that all the poor are either dumb or lazy, because it’s false, and because it allows the not-poor to go, oh well, they had their chance, and they didn’t do anything with it. As I mentioned before earlier in the thread, lots of poor people are doing everything right to improve their situation, but they don’t have any wiggle room when things go wrong.
The fact that people seem so willing to write off the poor as dumb and lazy is of course why I wrote in the original essay:
Being poor is people surprised to discover you’re not actually stupid.
Being poor is people surprised to discover you’re not actually lazy.
“Much more helpful than all the guilty white liberal, pseudo-Russell Banks stuff, what?”
I don’t feel in the slightest bit guilty, and I’ve never read Russel Banks. Also, Ms. Shaidle, I write what I choose. Maybe at some point I will write a “how I did it” piece. However, at this particular moment in time, for various reasons, I think it’s helpful to note to the comfortable what the experience of being poor is, because oddly enough, sometimes it seems like they don’t understand it well, even some of them who have come up from it.
*****
I’ve been there. I’m still there, in my head. My parents were there. For periods in their lives, separately and together, they experienced a poorness the likes of which most, average, middle and upper-class Americans simply do not know. But the fact they had experienced a poorness even more staggeringly numbing, or at least my mom did, the period in the later years was easy by comparison. Physically, anyway. That’s the one thing you can really count on with poverty. Once the grit works under your skin, some bits of it will always stay.
I know people judge. I know they assume. I hear it all the time. And there comes a time hearing shallow judgements, suggestions and assumptions leads to cutting off conversation about it completely which isn’t productive, but it is protective. Appearances to the contrary, I’m no naive child who doesn’t understand finances, the market economy or the basic idea that you get a job and hold it to make money to support a household. I’m experienced enough to know that in the game of life, whether there is margin for error or not, errors will happen and having zero margin (we call it cash flow, an emergency fund, or cash cushion) is just one part of the inexorable slide into debt and poverty. So to all the people who said, “Why doesn’t your dad just get a job as …” while he was taking care of Mom ….That was not the problem. It was one of many problems. But it was a solution in the morass of problems I was dealing with.
In this newly married life, I’m having to relearn how to open these conversational paths, slowly and painfully, pointing out the complexity of the issues to PiC because he’s never lived this life and frankly, I’ve guarded that side of my life from those in my life who had never experienced deprivation in their lives. And while explaining the situation that developed with my brother, I also had to explain county benefits and welfare, shadowed with the embarrassment of “this is life when you’re poor.” Bad enough poor, bad enough mental issues, we had to go and combine them.
Those nerves of mine had been exposed this holiday weekend as I visited home and caught the tail end of my brother storming at some dentist’s office over their treatment and I don’t know what. He muttered, stomped and threatened to call the corporate office.
What corporate office? You’re poor. You have no money, no insurance, so you’re using a county facility where the dental care has been notoriously poor, negligent even, and that’s the normal state of affairs there. Do you think they care? Because I could tell you they really don’t.
But there’s no telling him. He knows what he knows and when he’s waving his Sword of Righteousness there’s no telling him anything. Then he comes to me. Do I know what dentist he can go to? Do I know the number he can call? Because he was given a “fake” number to their “corporate office.” Because clearly I still live around here and can fix everything after he’s gone up a tree again, as usual.
I was silent. He maundered off after a minute.
See that? See the blaming? It’s still incredibly hard for me to let go of the rage he elicits by continuing in remarkably familiar behavioral patterns even with the revelatory knowledge that he’s not in his right mind, probably.
But it’s also incredibly hard for me to choose to suit up and get back into the cycle of poverty that he lives in because there’s so little I can do to break it. It’s going to be the county dentist unless I come up with cash, and a lot of it, to pay for his dental work. And then will he take care of his teeth? I don’t know. And will that prevent any accidents or just regular degeneration that happens even when you do take care of them? No. And will I then come up with more cash when he next needs it? How long can I keep that up? And what other medical issues can I support?
Knowing I’m going to fight an endless fight is draining before it even begins, and I’m not one to back down from any fight. I suspect that may be part of our society’s problem in learning how to deal with it. Because there’s no simple answer, because there’s no secret plan to fight poverty, because we can’t list ten action items and know that there’s a light at the end of the tunnel, it’s debilitating and it’s distracting.
*****
I had a conversation with someone who’s been a second mother to me. He’d gone to their house and had a meltdown. At first I wanted to be furious that he exposed us that way but then I just breathed deeply. There’s absolutely nothing I can do about it. And I’m going to have to accept that this is the state of affairs. So we had a conversation. She’s convinced that he’s fried his brain on drugs. She’d had some professional experience in the area so I couldn’t say she was wrong; I haven’t been there, I literally couldn’t say what happened. She’s the staunchest conservative thinker I know, but even she agrees I should try to get him into therapy when I am able to deal with it.
That takes us back to the boundaries and the limits. He is my brother but I, too, have to do as much as I can and no more than is sensible for our lives. And because he’s poor, because we’re not rich or well off, because he’s legally an adult and because I can not push my new family to the brink to provide for him, I don’t think there’s going to be very much I can do. At least, not to my satisfaction or socially acceptable conclusion, anyway. By which I mean, somehow get him to be in therapy, on whatever medication he may require if any, and working to support himself, out of the house, on his own. He is going to have to be some combination of those things, but I can’t hold my breath that he’s going to become a fine upstanding citizen any time soon.
Having to discuss this openly, in real life, made me realize – there really has to be a way to have these conversations with less shame and less blaming. There has to be a way we can productively find big or small solutions with some heft behind them. Certainly this situation as an example is complicated with the mental illness muddying the waters, but when do they ever run clear? Poverty encompasses this and many other encumbrances that could be managed tolerably in some circumstances, so while I haven’t got the answers, I do think it makes sense to embrace the complexity in the conversation.
This post was included in the Carnival of Personal Finance: Australia Edition.
November 5, 2011
My mom passed away suddenly. I’m shuttering the doors for a little while to deal.
PiC’s a rock and Doggle’s a spaz and we’re going to take care of my dad and vice versa.
October 25, 2011
As much work and as costly as Doggle has been in the totting up of his bills over the months, there are some pretty amazing things about this dog that makes me say it’s totally worth it. Also, I like to point out that if you really want to think about the costs, you have to think about the FULL picture, and that includes considering what kind of dog we could have gotten since we did get really lucky with the pup we brought home.
Remember, this big man was abandoned for at least a year before we brought him home, and we have no clue what his history was before that. He could have been a shivering wreck inside his head and ready to burst out with all kinds of crazy after we took him home, just hiding it behind a stoic face when we first met him. It’s not that dogs are duplicitous, it’s just that when they first meet you, all the nuances of their personality aren’t going to be evident. That was certainly true of Doggle. It took him about three months to come out from his shell entirely and show that he actually had a personality lurking underneath.
Happily, most of that livelier personality is more pleasant than not. There’re also some rather … limpet-like parts to his personality. It’s usually cute but … sometimes it’s not.
How Doggle Costs Money:
Oh Vet Bills (Medication/Supplements): Doggle has been to the vet every other month since he’s been with us. We’ve spent over a thousand dollars on his medical bills so far. *_*
Carpeting: His poor staggering legs don’t deal very well with the slippery floors so we’ve laid down new (to us) rugs. Thank you, Craigslist and Costco for relatively cost effective rugs and padded squishy mats.
Food: He just keeps on eating. And I’ve turned into a bit of a sucker about buying him a stock of treats. Yeah. I’m that dog mom. I never was before.
Car upgrade: But let’s be honest. It wasn’t like PiC hadn’t been looking for his car upgrade for several years.
How He Doesn’t Cost:
Furniture: He doesn’t mark on anything at home, thank goodness. He’s embarrassed us in places where other dogs have previously marked their territory as that lights up that little area in his brain that says “oh! I should pee here too!” But as our home has been unmarked, so it stays. Whew.
He also doesn’t chew, scratch or (mostly) climb. Occasionally he takes a freak into his head that maybe he should try to get on the sofa. Then he gets put in timeout.
Shoes/Bags/Socks/Clothes/Books/Small Items: He also doesn’t steal, chew or destroy any of these things.
People Food: He’s not allowed to have any. Not that that has diminished his interest in our cooking activities or eating at the table or anywhere else one whit. But he also doesn’t beg. He’s allowed to hang around and sniff within a certain limit.
Toys: He’s still not interested. He’s just starting to get the barest inkling of how to socially interact in play with other dogs or people. I’m trying to teach him and expose him to other big dogs because small dogs around here are frankly, brats, who mostly don’t want anything to do with him if they’re not being snappy, snippy, yappy and their owners just don’t socialize or train them out of those nasty behaviors. Bigger or younger dogs really like him, though, and that’s really nice.
Energy: 95% of the time, he has amazing indoor manners. Which is to say, he is incredibly quiet and mellow inside. If you’re hanging out, he’s hanging out. If you’re sleeping, he’s sleeping. If you’re cooking, he’s in the way. But he doesn’t bark, he doesn’t scratch, dig, growl, or generally freak out in any way.
2% of the time he has little freakouts where he goes into corners and huddles or has to be on the sofa which is a no-no. 3% of the time he is really really really happy you just got home or we’re going for a walk. That is a really manageable percentage, in my mind.
Extra Baths and Carpet Cleaning: He only gets baths on our schedule which varies between every 3-6 weeks. We can do this because he doesn’t roll in the dirt, he doesn’t rub himself in gross stuff he finds on his walks, and while he might get himself a little in his poorly-aimed, old man spatter, he lets us wipe him down after every walk and wipe his paws as well. Docile as anything.
At the end of the day ….
I’m so glad we’ve got him. We have made a lot of adjustments. We factor him into the morning and evening routines to take the time to take him out twice a day, (but that’s all we have to do – we have neighbors who walk their yappers FIVE times a day!) We either travel with him by car, one of us stays home with him, or have to make arrangements for him. We mostly do the first two, though. I’m hopelessly attached. 😉
October 9, 2011
After some grumbles, I set myself to the task of filing PiC’s taxes yesterday.
I was annoyed at first because, well, it’s October. I’m a February Filer. Different philosophies. He had to wait for a Schedule to come in that didn’t arrive until September, so he had a reason but it still gets under my skin to be doing last year’s taxes at the point when I’m already thinking about next year’s.
Setting up the account was nearly impossible – I couldn’t get the page to accept a password. Fifteen minutes of error messages.
Finally, I got into TurboTax’s guts and we were off to the races.
Income
I had a whole pile of forms and shuffling through them, nothing was terribly complicated.
I did hate on Wells Fargo for a minute for sneakily combining a 1099-Div and a 1099-INT onto the same page, though – I like order and since I was inputting the forms by type, that interrupted my flow. And they had this whole “see Details” thing going on for a few boxes. You’d obediently flip to the Details section and it’d show you … nothing. THANKS.
(In my New Order, I’m banishing Wells Fargo. Especially since they were such a waste of time.)
Deductions
This was fun. {evil laughter} The know-it-all came out. I had a couple items in the pile from PiC, and then made out my laundry list of things I knew he should have deductions for that he’d missed.
His proof of charitable deductions were missing, for one thing. Property tax, mortgage interest totals, car registration.
And then upon review, I was mortally certain, without actually having seen his property tax bills during the year, the total he gave me was still too low and sent him back again for another look. Right-o, there was a supplemental tax bill he’d been dunned for, more than $1000, and had forgotten about. That put nearly $500 back in his refund.
Analysis and Completion
Clearly, he wasn’t taking the standard federal deduction.
I think his CPA was shortsighted for telling him to send in a chunk of additional tax money this year for state taxes, assuming he was going to owe just as much in 2010 as he owed in 2009. Did the CPA not consider that he was going to be paying a full year’s home interest and property taxes? That seriously affects your AGI! Think this through, my good fellow. When your state refund is twice and more what you paid in quarterly taxes … *smh* There was no real good reason to do that, is what I’m saying. He wasn’t in danger of an underpayment penalty at the end of 2009, and he wasn’t going to owe at the end of 2010 as much as he did the prior year.
Filing
I’d snagged him a fantastic prepaid code for both state and federal, saving him $140 on both filings. Did him one better than my own, I even had to pay for my state filing!
One Day, One File
It didn’t take the whole day, but we finished his taxes on the Saturday I started them. I had him review it with me at the end to make sure he understood everything that I did and all the notes I had. I’d initially complained that doing his taxes weren’t any fun but halfway through I was a liar because I was having fun again.
I could actually enjoy doing this for other people, now that I’ve gotten past my initial weirdness of not having the fully organized, spreadsheeted, noted, checklisted pile of forms to work from. Maybe I’m not quite ready for the shoebox of receipts thing but, you know, I could deal with the less organized anyway.