June 24, 2015

A stroll down memory lane: a few of my favorite things

I’d been reminiscing about my mom, and even though there are some material things I cherish, the clearest, most important memories were more about how she was a great person and an amazing example for an awkward and introverted little kid.

Naturally, I think some activities are worth the money (traveling, learning new cultures, learning that the world is a big place, delicious foods), but I tend to be heavily biased toward the kind of childhood things that money can’t buy.

 

My Favorite …

Childhood birthday gift: my first and very own piggy bank from my older cousins. I still have it and will probably pass it on to LB.

Adulthood birthday gift: everything PiC picks. But if I had to choose just one, it’d be the Tiffany necklace he picked. I never would have picked it myself because it was extravagant and unnecessary. But if I were to pick something from their catalog, this was the one piece that would have made the cut. It was a cute pendant, in a shape I liked, and fairly low-priced for a Tiffany piece.

Food: Pho. Spring rolls. Cheese. Bacon. Pasta. Bread. Bartlet Pears. Prosciutto. Carnitas. I can’t do this one.

Travel Destination: Italy. Eating in Italy. Probably all of it. Send me to explore the rest of it to be sure!

Person: PiC. LB is a close second but we have to wait and see if ze becomes a human we respect and like, as well as love automatically as hir parents.

My Favorite Memories

Elementary school: my parents’ sticker system. We could earn stickers from school for doing various good things. Every 10 stickers we brought home could be redeemed for a small slurpee from the 7-11 down the street. I drank a lot of slurpees.

Poker face: Mom used to say she could read me like a book. As I got older, she explained that while this worked well for her as a parent, it wouldn’t be good for me in the outside world if strangers could read my mood and therefore manipulate me. That’s when it clicked that she wasn’t telling me I couldn’t have emotions or opinions, just don’t project them! I finally mastered the blank-neutral face a year before she died.

Temper, temper: Tempers are a family legacy but Mom firmly believed that we could overcome almost any genetic flaw. It took years for me to learn to quit letting my temper lead the way.

I have skills?: Cousin G taught both my sibling and I the art of manipulating yarn. He got crocheting lessons and I got knitting lessons.

Love thy face: Mom discouraged the use of makeup early on. She didn’t disapprove of it, she used it regularly herself, she just preferred that I didn’t make it a habit before I was 16 or so. She used makeup in an era when the ingredients weren’t always kosher and could contain dangerous bleaching chemicals to achieve the complexion smoothing or whitening effect that many ladies sought. Until and unless I could afford good quality makeup, she cautioned, it was best not to risk my skin. Besides, if I became too used to always wearing a full face, it could be hard to appreciate my normal unadorned face. This made enough sense that I never got into makeup during those early years when experimental (and often bad) makeup was expected and now I just don’t wear it because I lack the basic skills. *shrug* Someday I’ll learn.

What are some of your favorite things & memories?

June 22, 2015

Help a Reader: Emergency Credit Cards?

Today, I’m very pleased to answer a reader’s question about credit cards.  Feeny asks:

My husband and I unfortunately ruined our credit (before we met) in our early 20’s. We are working on being debt free but as we all know it takes time.
We are expecting our first child in about 2 months.  I keep getting told that we need a credit card in case of emergencies.  Right now we don’t have anything.
My question is two fold: would you recommend a credit card “in case of emergencies” and if so, what is a low credit/no credit card you recommend?

I asked for some more detail about their debt repayment plan so that I could give a slightly more informed answer.

We are repaying what we can without living in poverty. Putting cash money in savings means more to me than paying back debts, although some days I can’t decide if that’s a good or bad thing!

Without numbers, I can only give some philosophical guidance but I think that’s still useful.

You do need something in case of emergencies and that something will vary depending on your circumstances and your habits. A credit card is an easy thing to recommend if you’re just looking at the situation superficially.

My reason: If you don’t have the cash on hand to pay for that emergency, then what exactly does a credit card change? It floats your emergency costs for about 20 days, give or take, after which the CC company then starts charging you interest up the wazoo. And there are plenty of people for whom that interest would take a relatively manageable surprise expense into a long term shackle around your ankle.

Now, if you have another backup plan for the emergency, like some saved cash that you just have to transfer back from an online only bank, or a family member who can bail you out temporarily while you get the cash together from your usual income because the emergency is just a bit bigger than for the cash you have in hand, then credit card? Sure!

Credit cards are a useful tool, I use them all the time to my benefit, but it only works if you know how to be responsible with them AND you have the means to be responsible with them. Knowing what you should do doesn’t help you when you don’t have the cash to pay the balance in full before they start charging you extra, right? Then you have Emergency Cost + Interest (which is calculated daily, just to further benefit the credit card company), which compounds every month.

What would I recommend, then?

I am actually in favor of putting cash away into savings even while you’re paying down debt, as long as you can keep the interest rates on your existing debt under control. No matter how slowly you build this cash savings, having it is a buffer against another unexpected expense putting you into a debt spiral. This was part one of my two-pronged approach to taking down the huge six-figure debt for my parents: putting a stop to more debt while paying down the existing debt. It’s not easy but it worked very well for me.

If you know that you can comfortably and responsibly put a credit card on ice, essentially only taking it out for actual emergencies that you can later cover with that savings, then yes, I would recommend doing that. It’s a tool, after all, and there’s no reason not to have multiple tools in your toolbox.

What cards would I recommend?

Specifics I look for: No annual fee. Good rewards. Moderate interest rate in case you have to carry a balance even temporarily. The interest rate will depend on your credit score, so I won’t list those here. They tend

For customer service, American Express is hands-down my favorite so I’ll share what I’ve carried for over a decade but you don’t necessarily want to use a travel-specific card unless you have to travel a lot anyway, in which case you may as well benefit. Chase and Citi have both been good over the years.

American Express Hilton Honors:
No Annual Fee
Complimentary Silver status,  Rewards are Hilton Honors points

Citi Double Cash:
No Annual Fee
1% cash back at purchase and another 1% back when you pay the balance.

Citi Simplicity:
No Late Fees, No Penalty Rate and No Annual Fee
Current offer: 0% Intro APR on purchases and balance transfers for 21 months – sort of an argument to wait a little bit to get the card, I guess.

Chase Freedom:
No Annual Fee
1 Ultimate Rewards points per dollar spent
0% Intro APR for 15 months

Bonus:

These are the rewards programs I like for this stage of life (debt reduction) should you decide to use the credit card regularly and paying the balance in full every month.

Chase Ultimate Rewards: My favorite thing about this cash back program is that it’s true cash back. Redeem your points for a direct deposit into your bank account and defray whatever bills you have. Rinse and repeat. This was one of my little debt repayment strategies: Every dollar had to work twice for me: once in paying for whatever I bought, the second time in generating cash back.

Citi Thank You points: Not a favorite but I still like it. Redeem TY points for gift cards, either to use as gifts or to cut down on what you have to pay out of pocket for regular purchases.

Those are my thoughts, what would you recommend to Feeny?

June 17, 2015

A taste of San Francisco

Thanks in large part to PiC, our reputation as hosts for the SF Bay Area remains untarnished. If there was a Great Hosts Club, I think we’d be eligible to join. A dear friend spent a weekend with us and with a bit of planning, a lot of flexibility, and a soupcon of adventurousness it couldn’t have been more perfect.

It could have been actual perfection if we had miraculous recoveries from our various health issues but other than that, it was perfect.

Most of the time was spent catching up, talking about life and money and kids and travel and just, oh, everything under the sun. We tend to fail miserably at exploring our own city but having guests is an excellent way to kick us out and discover.

When we ventured beyond the front door….

Remember the Nopalito fail? We redeemed ourselves with take out.

The painted tiles are gorgeous. Who knew?

SF1

16th Street painted tiles

My suggestion of NOT trying to cross the bridge and get an excellent view of it: great!
Our first visit to Crissy Field

SF3

Crissy Field, view of a foggy Golden Gate Bridge

I had forgotten what delectations can be had from Arizmendi Bakery (a co-op).

SF2

Cheese bread, peach strawberry scone, oat scone

We actively practiced respecting our limits, not being fools or pushing ourselves too much. One of the stupidest mistakes I make when traveling or hosting is failing to recognize when my body’s about to bow out. Another is failing to flock to the birds of my feather: those who are considerate of all physical limitations and find ways to have fun without catastrophic regrets.

So this weekend? Mutual respect, good memories, happy plans to make more.

June 15, 2015

My kid and the velociraptor claws: Notes from Month 4

I can take on any dog or cat and trim their nails but holy shekels, trimming LB’s nails is … a nail biter.

***

I didn’t know it was normal for babies to hate tummy time. LB spent a lot of time faceplanting for most of the first few days, crying angrily.

We don’t seem to have growth spurts at regular intervals. We have five days on and two days off, if we’re lucky, from the things that seem to indicate growth spurt: increased appetite, intermittent wakefulness through the night. Makes for interesting sleeplessness on the part of hir hapless parents but also incredibly interesting development. We could see hir cognition becoming sharper and more focused one day to the next, adding deliberate interaction and movement to the mix.

One day, ze held my hand and selectively chewed on one finger at a time, clearly testing and rejecting on the search for the perfect finger. The next day ze picked up hir pacifier and tried to put it in hir mouth.

Out of the blue, ze decided that ze was going to turn over on hir belly from hir back. I couldn’t tell you what brought this on. Over 6 days, ze started the attempts. One every other day. On the last of the 6 days, on hir third actual attempt, ze made it. Angry and crying the whole time. Once accomplished, it seemed forgotten but really ze was just gearing up for five more days of seeing what else ze could do with this skill.

***

Some day, ze will sleep in hir crib for daytime naps, right? RIGHT? Please say yes.

***

The answer IS yes! We had to break all the rules but since ze is so strong, I’m not so worried anymore. Ze always rolls over onto hir face now that ze has mastered the art, so over the course of a few weeks, we added blankets and pillows and bumpers to the crib, experimenting with what seemed most comfortable.

Ze gets stuck on hir belly because apparently rolling from the back is easy but rolling from the belly is not. My child, ze is backwards. But in the process, ze often gets a limb stuck in the prison bars, so bumpers were much safer. It’s helped a lot, and once a week, ze might even sleep more than 6 hours at a stretch! And the cozier (blankes and pillows) the bed, the longer ze might sleep.

***

The moment LB actually looked at us, not through us, or past us, or around us, but actually directly at us was pretty cool. But far better was the moment that ze progressed from smiles to little gurgles to full blown belly chortles. It’s intoxicating! Hir eyes just about disappear into the creased chubby cheeks, hir mouth opens wide and curves into a huge toothless grin, the laugh wells up from hir toes. Hir whole body shakes with each outburst of glee. Needless to say, once I discovered that kissing hir cheeks or tickling hir cheek with my hair accidentally produced that chortle, I did that forever. Or at least until my face hurt from laughing.

***

Lots of “holy crap, this is OUR child” moments.
Ze rides in the stroller the way I ride in cars, feet kicked up, slumping down into the seat;
Crinkles hir face like I do;
Has some of PiC’s facial features;
and some of mine.
Weird.

June 10, 2015

Is one the loneliest number?

Or is it the perfect number?

I have a half dozen friends who were onlies and happy about it. Half a dozen others who wish they were onlies, and dozens more who are glad they had siblings.

PiC always wanted a crowd. I wanted none. Or rather, I was open to the idea of raising kids generally but never felt the urge to procreate. Adoption always seemed like a better way to go but, either way, having a family of humans wasn’t imperative.

It’s decidedly disconcerting to be pondering this mere months after having LB but it started as a practical question. We do have to figure out what to do with the pregnancy clothes and new baby accoutrements and with very little storage space, the question becomes even more pressing.

Now that we’re on the other side of a somewhat difficult pregnancy and survived a few months of a baby that hated sleeping, neither of us are under any illusion that having a baby is fun. There are rewarding moments, absolutely, and it is true that the first time (and pretty much all subsequent times) your child sees you and is so pleased ze grins like a loon is something else. It’s pretty awesome figuring out how to extract baby giggles, too.

But the survival of all involved is no mean feat either.

The physical demands: We’re not young anymore. All nighters were terrible when youth was on my side, they’re far worse now.
The emotional demands: We solely existed as parents in these months, there’s no time or energy to be partners and adult individuals. And that’s exhausting in a whole other way. The first time ze went to sleep and stayed asleep even after being put in bed, we had no idea what to do with ourselves. (We ended up having dinner and a conversation.)
Financially, good grief. Diapers, and wipes, and hiring help. Breastfeeding was a must for LB’s health and saving money but despite having it really easy compared to some, it was chemically difficult. When I was tired (All The Times) feeding or pumping triggered a serious dopamine drop and a wave of depression overtook me. I had to talk myself off a ledge every time. I even started a Twitter hashtag to distract myself from the awful feelings. Still I provided the bulk of hir nutrition because formula is so expensive.

This may sound coldhearted but on the point of sheer exhaustion alone, before we consider how hard the pregnancy was the first time, neither of us are inclined to do this again.

And yet, strange twist. Despite my own life experience, despite always ranking sibling fighting alongside death and taxes (all are certain, all suck), there is a part of me that wants LB to have a companion who could, for as long as they’re inclined to be around each other, be there to reminisce about childhood things that they’d not share with anyone else.

I can’t do that now because my sibling is, bluntly, a shit. He almost always has been but in 30+ years, we did have 2-3 years when we got along and shared that bond. This isn’t a glass half full thing, that made his later choices a far worse betrayal, but I can’t deny that I did get to have that relationship for a short time. Later, his mental issues complicated things further. Much like having gotten a couple good years with my parents before life fully hit the skids, it reminds me that though I loved and lost, LB isn’t necessarily doomed to the same fate. Some people do get to enjoy good relationships with their parents. Some people do get to share life with their sibling in a positive way. Knowing that, there’s a small part of me that wonders if I’d be depriving hir of one of the most important relationships ze could have.

Looked at another way: having this sibling was hugely formative. Would I be who I am today if I had had the older brother I yearned for? If he’d been someone who excelled and applied his numerous talents, someone who looked out for me and guided me professionally? Would I be half as strong if I hadn’t had to learn how to act both as my own advocate as well as kick my own butt to forge a road of my own? Life could have been so much easier if he worked alongside me to support our parents but would I have had the same fire and determination to grow my career to this point so that I’d have the freedom to live a real life, the ability to choose to put my family first? Or would the easier road have left me softer, somewhat less ambitious, more willing to accept less because there was a safety net rather than a chasm gaping at my heels?

Maybe I would have. But I suspect that I would be a much different, much less successful, much less driven person.

I was a born follower. I always wanted to follow big brother and so follow him I did, right through a morass of trouble and back to safety and, never incidentally, punishment. Every time. My heart was not adventurous, my dreams were nightmares, and rarely did it occur to me that there was more to life than the books I devoured. I needed someone to follow and, as charisma and vision were his domains, I would have trundled along after him like an ant following a chemical trail. Without his failures, without a big push, I might still just be following.

He always wanted a brother so he did his best to remake me in that image, manipulating me into doing his dirty work like killing the spiders, climbing fences and other stereotypically boy escapades. Scion of a matriarchal family, I was a born scrapper but I learned to throw a real punch fighting with him. And fight we did, physically and emotionally, for nearly all of our lives. Bullies, wanting a bit of superiority marked me, all bookwormy and solitary, as an easy target only to rapidly retreat when I gave as good as I got. In the process of making me his “little brother”, he preyed on my every weakness, teaching me that the very existence of fear was a soft underbelly you never showed people. To this day, I won’t confess aloud that anything scares me because that’s an invitation to be pounced on.

High school was the first time I had to make my own way and my 12-year-old knees trembled at the unfamiliar ahead of me. Mom scraped up the cash to send him to private school, worried that he’d fall in with the wrong crowd at the public school, but as the academic and responsible kid, I was on my own. That was the first time that distinction between us had been made so clearly and that would follow us the rest of our lives. I often wondered how much of the family joke, subverting the usual expectations assigned to birth order that I would be the successful one and he’d depend on me, was a self fulfilling prophecy and how much was merely an accurate read of our characters.

The truth is, in many ways, my sibling’s inability to cast a shadow was as influential in forming the person I am as anything my parents instilled in me. I learned from them: facts, figures, morality. But I became more by pushing away from him, from our friction, in my need to redeem our family reputation.

Many people take comfort in their siblings.  I am grateful when an encounter with him doesn’t give me weeks of nightmares. So it’s perhaps strange that I seemingly credit him with some large part of who I am. But it only seems fair to say that adversity tempered me and boy howdy did he throw challenges my way.

It’s not a theorem that can be solved for the best possible outcome. Much as I abhor math, I’d be working those numbers in a heartbeat if it could be done. So many “what ifs” crowd together: What if LB is like my sibling (terrible)? What if a future second kid is that awful person? What if LB would do so much better with a sibling?

All I can do is hope we do a good job with LB and have a LOT of help if we try again.

What say you? If you had them, were your siblings a joy or a bane? If you didn’t, did you wish for them? Or are you glad you dodged a bullet?  How does that inform your choice to have or not have kid(s)? 

June 8, 2015

The hunt for the elusive nanny

I’m not asking for much, I swear.

We just want someone polite and competent to help me with LB during my work day. If we’re all lucky, ze will even sleep for half that time so the nanny can do whatever she wants, within reason. But we’ve been striking out left and right.

Our latest bomb candidate was a real doozy. I spent 18 hours working with her, willing to compromise on most things if her care was good, only to have her really drop the ball at the last hour. She was an older woman from my homeland, and that could have made it easier. Obviously, in this case: NOT ONE BIT.

The laundry list of objections felt endless. She would interrupt every time I gave her instructions, refuse to take no for an answer, take every conversation as an opportunity to persuade me that I should hire her, argue that we really didn’t need 2 or 3 trial days despite having agreed to work them, felt that “but I’m healthy” was an appropriate response to the requirement that she be vaccinated, insist on doing the opposite of what I asked her to do, and bother Seamus.

Seriously, if I say that the kid isn’t to watch tv so don’t point it out to hir, the first thing you do after that should NOT be turn the kid toward the tv and say Hey Look!

If I say that the dog is forbidden to have people food, it’s not funny to wave your lunch in his face and pull it away laughing. Baiting a dog you don’t know? That’s stupid, rude, and just highlights the inanity of your repetitious “will he bite me?” No, but I’m about to.

LB would dive for the diaper box and I’d set it aside saying, no, diapers are not for eating. The nanny would grab a diaper and toss it to hir during a change saying, here play with that. Um, “play” for LB means EAT. So you’re giving hir a diaper to eat. Thanks.

She probably could have been broken of all those habits, like a poorly trained horse, over time.

It wouldn’t have been easy for me because correcting an adult, in our culture, is Just Not Done. And if they’re ridiculously nosy, asking “how much did you pay for X? What’s your rent? Are your utilities included in the rent? What does Y cost?” you can’t directly tell them to buzz off. Thankfully, I’ve learned some acceptable defensive conversational judo in the past several years and stopped myself from getting sucked into the subordinate’s vortex of compelled and regretted answers.

The death knell was this: we have one of those cheapish electric chair swings, a lightly used hand me down. We use it once in a while but only with supervision because LB cannot be trusted. Ze is the squirreliest, wiggliest, contrariest kiddo I’ve ever cared. Strap hir into that chair and ze will have contorted in some unimaginable fashion trying to vault out of it two seconds later. So I tell the nanny that ze cannot be left alone, asleep or awake, in that thing. Ze may look conked out but ze wakes up at the drop of a pin and the very second ze realizes that ze is unwatched? FLIP!

Worried that it was actually me being unreasonably picky, I even invited a friend to come observe the nanny.  We didn’t end up having her back for that observation but this very honest friend came prepared to tell me that I needed to compromise only to find that it’s not me! I’m reasonable, thank you very much.

I was working away, trying to decipher some weird work problem, when I heard the bathroom door click behind me. My brain turned over and I popped around the corner to find that Nanny-No-More had left LB alone in the chair, asleep, unsecured by the safety belt, with the rocker wheek-whacking away on High.

!!!!!

Now I GET that kids get injured on their own. I know that kids – hell, I was one of them – can be beyond accident prone. I don’t plan to wrap hir in a bubble suit. With me as a mom, ze is genetically coded for klutz. Kids don’t need our help or to be set up for more injury!

Just as egregiously, why is she incapable of doing as I ask? It’s almost as though I’m not paying for her services, so have no reason to expect compliance. Oh, WAIT.

Obviously, that was the end of that run. *sigh* We were so hopeful.

 

June 3, 2015

A new podcast on the block

A fellow PF blogger, Jessica of Mo’ Money Mo’ Houses, is launching her new podcast today and I was happy to give a shout about it.  I read Jessica’s blog back when she first started out a few years ago and have popped in from time to time, when I can since my reading time has been severely curtailed, and it’s great to see that she’s launching a fun new project.

BlogShareImage_MoMoneyPodcast

Jessica’s guests will be sharing their experiences in debt reduction, getting spending under control, and entrepreneurial ventures including side jobs and quitting their 9 to 5 to become their own bosses.

You can find all the podcast episodes at momoneymohouses.com/podcast and tell her what you think by leaving a review at her iTunes page.

And as a little thank you for checking out the podcast and giving it some love: a Giveaway!

You could win:

One $100 Amazon gift card
One $50 Amazon gift card
One “Mo’ Money Mo’ Houses” bag from Bow & Drape (valued at $75 and totally unique!). Here’s a photo of what it looks like. 

a Rafflecopter giveaway

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