Tuesday, April 12, 2011

Day(s) 96 and 95

Good evening, Friends!  First, I want to thank Kristen of The Frugal Girl for sending so many of you to visit me here to cheer me on. Your comments are so encouraging and I feel incredibly blessed to have all of you pulling for me. I am constantly amazed at the community that blogging and other forms of social media have created in the last few years. So many of us were alone and struggling without support and now it does not have to be that way. No matter if you are in New York City or in the midst of the Montana wilderness, there is always someone there to share your story with and find new friends.

Second, I have a little catching up to do. I was commuting for training yesterday and today and fell into bed last night exhausted. Our agency is pretty much pretending that nothing is happening while those of us who are being laid off are walking around like zombies. This means that any mandatory training has to be completed even if we are not going to be around to use it. Our exempts received their paper layoffs yesterday. Bargaining unit (union)  members are still waiting, with the promise we could receive them anywhere from late April to the first week of May. I hate the unknown. The only thing I do know is there will not be any severance. Ugh!

So, I missed yesterday's post. I vow to keep that down to a minimum because it defeats the whole purpose of me being here. First, the spending catch up:

Sunday
After my post on Sunday, I spent $11 at Panera for lunch and $94.55 for groceries. My children were with their father, so I took my book and had a chai latte and a Mediterranean Veggie sandwich (I know, but I'm being honest). The grocery trip is for two weeks minus fresh veggies, milk, juice and bread. I also had three cigarettes Sunday.

Monday
I spent $5.30 on a quick breakfast at McDonald's for me and my 16 year-old and smoked two cigarettes.

Today
I spent $13.34 at Kroger for salmon (on sale), green beans, dishwasher tabs, and bread (total groceries $107.93) and gave $10 to the neighbor boy who picked up my son from school because I was in Columbus and had no one to tag team. I also smoked two cigarettes.

What I did to improve my situation on Day 96:
  •  I notified my apartment manager of my impending layoff and that there may be some hiccups in getting the rent in on time with the transition to unemployment or a new job, which ever comes first. I have a lease until October and will be charged an extra $760 to break the lease, so that's off the table. My apartment manager said she would be happy to work with me and should keep her updated. I figured I would tell her now instead of blindsiding (or avoiding) her later.
  • I started packing my lunches! I have never been much of an eater and most of the time I won't (or forget to) eat until I am starved and then dash to the drive-thru and drop $5-$7 bucks on lunch. I had a lot more energy and saved about $4.50.
What I did to improve my situation on Day 95:
  • I gave an old 40 gig Dell computer to a friend who needed one. My friend C's divorce case has been dragging on for a year and a half. Her finances are even tighter than mine. At the moment she is taking classes at the local community college after being a SAHM for 17 years. I probably could have sold it for $50 but she really needed it and I got rid of the clutter on my dining room floor.
  • I packed my breakfast and ported coffee from home (along with my lunch). I felt guilty about the $5.30 at McDonald's yesterday. I brought yogurt, almonds, and a banana. I actually stayed energized all day without totally relying on caffeine.
Finally, I am thinking about adding a "day(s) without cigarettes" widget to the sidebar. I am not brave enough yet, but I'll get there. Don't worry, I don't smoke in our home or around my children. Shame keeps me in the corner of the patio, with the lights off (lol).

Thank-you again my lovelies for being there for me. Just knowing you are pulling for me makes dealing with my life a whole lot easier.

Hugs,

Rita

16 comments:

  1. What does this mean "had no one to tag team". Never heard of the expression before here in Oz.

    It's wonderful that you packed your lunch!!! It's a habit hard to follow but worthwhile healthwise and moneywise.

    Isn't the mandatory training still beneficial to you to upskill. Have you started to work on a new CV? You should do it and chat with workmates to make sure you're not missing out in including a skill that you have used at work.

    Does your organisation offer counselling? I work for the Govt in admin. They offer 3 free sessions a year. I don't know anyone who has ever taken it, I think most people don't even know it's on offer. But there is career, financial and personal counselling. If it's there for you, grab it before you loose the chance.

    Having friends that are frugal allows for inexpensive get togethers to let of steam. Your friend sounds like a great candidate. You gave her a computer and she may help you out with something just as valuable such as wonderful advice or a tip about something in your area.

    I look forward to reading about your journey. Wishing you lots of great days ahead.

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  2. Hi there! Tag team means back-up or someone to do something in your place. The training maybe beneficial but its really specific to my agency. I think you are right about the counseling and the CV. I haven't updated my resume for almost 10 years! Thank-you for your encouragement:)

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  3. It sounds like you are making real progress. Keep it up!!

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  4. Found you via frugal girl. I will definately follow your post and try to cheer you along the way. You are doing a great job so far. Changes are difficult, small baby steps!!!

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  5. I also found you through Frugal Girl. I have you bookmarked and will keep up with progress. You should try making Frugal Girl's yogurt! It is so good and really easy ... takes a few times to get it down pat but it is so much better. Can't give a cost savings (she may have had it on her site before). I am so hooked I can't stand the little store bought cups of yogurt. They are so sweet. I bring some to work with me for breakfast and my teenagers & I have it for evening snacks or add to smoothies. I am also a single mother with 2 teenagers.

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  6. Hi Rita!! I am so glad you started this blog, I am sure so many people are rooting for you and want to check your progress!

    I love the whole pay it forward concept and I am so glad I could be part of it for someone, and someone after that.... :)

    -Dana

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  7. Restarting Rita,

    Also, you can make yogurt in the crockpot. Get the crockpot at the goodwill/thrift store/estate sale. Year of slow cooking blog has a recipe. WAY frugal. She even has a calculation that shows how much you save. Just another way to make yogurt. I also find the slow cooker has helped keep my food costs down, while still making healthy foods.

    Yeah for the two items a day idea! One day at a time, one day at a time.....

    Kris

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  8. Dear Rita,

    Some years ago, I was in a similar situation - husband left me with huge debt and house repairs of over $20,000. I have a degree in education and in respiratory therapy and was forced out of my job in home care.
    I decided to work for myself. I bought a good vacuum and some business cards for Gloria's Cleaning Service. I soon was making more than I had been working for someone else and the peace of mind was tremendous.
    If this interests you at all, even as a part-time emergency gig, I'll be happy to share what worked for me.

    Gloria

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  9. Gloria again. You can reach me at gloriaann922@yahoo.com.

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  10. Thanks Gloria! When I was 18 or 19 I cleaned houses for about a year (in Los Angeles). We made a pretty good living but it was exhausting! We would clean five houses per day! This may be a good option for me too!

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  11. Kris, I am going to try the yogurt recipe. We go through a ton of yogurt around here! I have a crock pot that needs some more service to make it worth its space!

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  12. Dana, you are so great! I'm grateful to have you in my corner!

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  13. Dear Rita,

    It is so wonderful to read the things you're doing to improve your situation. Talking to your landlord was very wise; and how great that she's being supportive!

    I love how you're taking care of not only your kids and yourself but also your friends. Giving your computer to your friend was such a lovely thing to do. Actions like those really strengthen our social support structures, which may be all that get us through in tough times.

    It's also great that you're being so very honest about your spending. You could tell us you were being the perfect frugalista and we'd never know the difference, but putting it all out there is both admirable and brave. (Sometimes people get very judgmental, you know?) You're obviously being very proactive in figuring out ways to cut your budget--good for you!

    By the way, if you have time, there's a book that might interest you; I'm just finishing it myself. It's called Radical Homemakers, and it's all about people who have chosen to opt out of the extractive/consumer economy in favor of producing more things at home and finding ways to live happily and well on a lot less money. It's all interesting, but it's the second half that I though might contain helpful ideas for you: she talks about rediscovering domestic skills like baking our own bread, making our own yogurt, or learning to mend clothing instead of buying new. She also talks about how important it is for us to rekindle our connections to community--so very many people get caught up in being financially independent and never relying on others that their relationships are harmed. (You can't spend much time with friends if you're constantly working!)

    I've subscribed to your updates, so I'll be around. Hang in there; you're going to do great. :)

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  14. Hi Elizabeth! Can I add you to my new best friend list? You have made my day! Radical Homemakers is actually on my wishlist and I'm hoping to save some Amazon dough to finally get it. My days thus far are up and down. Yesterday was no spend, but today $100 bucks went out the window (my son's birthday is Tuesday) for extra groceries and such. I'm just going to try my best everyday and hopefully I will find the groove. Thank-you for being so supportive.

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  15. You're welcome, and I'm so happy to hear that my note cheered you up. We all have to take care of one another.

    (BTW: Someone once wrote that in a note to me. It was left in the envelope in which he returned my latest paycheck, which I had dropped on the floor (!!!!!!!!!). He didn't even ever leave his name, just called me anonymously (small college town) and told me to pick it up at the Uni PD office. Wow!)

    As for Radical Homemakers, I borrowed "my" copy from the library. Maybe yours has it? And if they don't, they may be able to get it for you from another library through interlibrary loan. Incidentally, let me commend your local librarians to you as resources. They know all kinds of things about finding information, of course, but they may also know about local programs that could help you, and as a breed, librarians LOVE to help people. Nobody goes into the career for the money, that's for sure.

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  16. I am going to check the online catalog tonight!

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