What Can I Do With $5

Before you read this post you have to promise not to laugh at my lack of financial prowess.  I’m a reasonably intelligent person who is more inclined towards the liberal arts than the sciences – or economics evidently.  I think I have a general grasp of how loans and interest works.  It was with extreme anxiety that I signed the seven thousand pages (rough estimate) of mortgage documents years ago.  It was just what you did – you bought a house.

Over the last many months, I have come to be at peace with my house.  It’s not my dream, but we are making it so.  I’m excited about our current home improvement projects and I’m very happy with my mortgage payment (especially considering the area we live in).

But yesterday, as I was paying bills and working on our debt payoff, I got discouraged.  Budgets are so black and white…okay, and red sometimes.  Paying off our credit and medical debt is taking forever it seems.

And then I started looking around the bank site that holds our mortgage information.  Sigh.  I’ll be in my eighties when our mortgage is paid off.  Honestly, maybe dead.  Talk about discouraging.

And then I saw this little section called “Early payoff calculator”.  Yea, right.  I’m barely making progress on our other debts.

But, what the hell.  Turns out that if I pay only $5 extra a month on our principal, I can pay off our mortgage two years earlier.  What?  Really?  Are they kidding?  I entered the numbers a million more times.  Same answer.

Now, I’m learning a lot more about mortgages and paying them off.  My head hurts.  I don’t like math.  I really don’t like math.  At all.  But, I do like getting out of debt.

So, I’ve given up my Sonic Drive-In unsweet tea with blackberry.  I started drinking it to quit drinking Diet Coke after my health scare a year or so ago.

I love my tea.

But I had no idea that $5 was that powerful.

Water is tasting pretty good right now!

Choosing to look for the joy

Hmmmm…been a long time away from here and it is ever so hard to start writing again.  Lots has happened and there is a small component of guilt as well.  The perfectionist in me struggles with not doing everything well…if you can’t do it perfectly, don’t do it at all…  That’s the “old” me, or rather the me that I’m trying to outgrow.  But old habits die hard – especially if we stop paying close attention and start living on autopilot…

…which is what I’ve found myself doing a lot of lately.

I simply stopped looking for the joy.

Honestly it’s not been the summer that I dreamed about – full of fun, memory making activities and lots of restful time to prepare for the school year ahead.  It started off well enough, but somehow snowballed into one challenge after another.

But there was plenty of joy to be found.  It all depends on how I choose to look at it.

We did get our back mortgage caught up with all of it’s late charges!  Without a doubt that was a joyful thing indeed.  And we’ve been working through the Dave Ramsey Total Money Makeover so I even managed to set up our emergency fund.

Then…

The dryer died.  Dead.  It’s been coming on for a while.  Remember the crazy noise and the on-line repair tutorials.  Not this time.  Thank goodness for that emergency fund, right?

Then the thermostat started going out on the oven.  Guessing temperatures, anyone?  Hubby found a great deal on one at work.  A great deal!  Okay, we’ve got the emergency fund and we need an oven. Done.

Then…the BIG one.  The “what-the-hell did I do wrong to deserve this crap” break-down.  Our  central air-conditioning unit quits working.  In August.  In Central Texas.  Three service calls and estimates later, we have a price for replacement.  The general consensus is that it can’t be fixed as it’s over 10 years old and is beyond repair.  Cost:  around $7000.00.  No emergency fund for that, my friend.  We’re “camping in a few rooms of our house with some loaner portable A/C units.

Then, there’s the vacation at the beach that came with it’s own set of issues.  Two car break-downs that resulted in repairs and a trailer rental to haul one home.  A trip to the minor-emergency clinic and a case of bronchitis that turned into an asthma diagnosis, and….  Well, you get the picture.  A vacation to remember, right?

But, that’s where the title of this story comes into play.  “Choosing to look for the joy”.  I’m not going to lie.  I’ve been in a bit of a depressed mood.  (That may be an understatement)  I haven’t been choosing to look for the joy.  I’ve been sad.  I’ve been “down”.  I’ve been feeling sorry for myself.  I’ve wondered where you can turn in a resignation letter to life and just quit.

Then…yesterday, this story start writing itself in my head.  And I stared seeing the bits of joy that have happened this summer.  Quiet moments for the most part.  They didn’t shout out their arrival like the A/C breakdown did.  The joy just sort of happened and waited for me to notice – and appreciate.  I just got so busy running from one problem to another and worrying that I never stopped to be grateful for the good stuff.

Bad stuff has happened aplenty this summer.  Lots more than I’ve shared here.

But…here’s a small listing of the joy that’s come along for the ride…

  • a solid roof over our heads to shelter us and a caught-up mortgage to keep it over our heads
  • new knowledge about money management that I am sharing with my kids so that their life can be easier and they can learn from my mistakes.  Knowledge can be powerful.
  • Health insurance that made medical care available for us when we needed it.
  • The most beautiful beach weather I’ve seen in all the years we’ve been going to Corpus Christi.  Calm winds, bright skies, moderate temperatures, no seaweed, and clear, clear water.
  • A lovely card in the mail from someone I’ve never met in person, but who sensed that I need some love
  • A new, part-time teaching job at a private school close to home.  I’m teaching art once a week and am already in love with my kids.  Such talent and enthusiasm!
  • Friends that have been there along the way and have helped out when we need a helping hand.
  • A successful first week of school for us.  One week in and we are only two days “behind” schedule.
  • A fun field trip to the art museum that included my hubby.
  • Children who are finding their own way in this “big ole world” – making decisions, making mistakes, trying new things and discovering their own joy.

It does seem that life has been “one step forward and two steps back” for too long around here.  So many things are broken and need to be fixed (literally and figuratively).  I get tired.   It can seem hopeless.  And pointless.  Like I said, I can’t figure out where to turn in my resignation…to life.

But, I don’t have a lot of “quit” in me.  And, I’m not going to “plod” through one step at a time.

I am going to take it one step at a time, but I’m going to choose to “step lightly”.  I’m going to look for the joy…I’m going to search for it.  I’m going to do whatever it takes to find it.

This is the life that I have.  I am grateful for it.   I’m going to choose to look for the joy.