Wasted Saturday

A wasted Saturday is a rare and glorious gift to ourself.

It seems that I am good in company at the moment, feeling genuinely cheerful and happy to be in social situations just chatting or dancing or listening to buddies, but am plunging in to worry and anxiety when alone when there is nowhere else to run from myself.  Feeling emotionally breathless is absolutely rubbish and I recommend it to nobody at all, not even my worst enemies.  So, Saturday my daughter and I took a day off of everything, absolutely everything.

When I’d awoken before dawn I realised that I could afford to get a bad day out of my system as I wasn’t required to be anywhere particular this weekend apart from Sunday Services.  I had a two A4 page of Honey-Do’s I’d written for myself, each line being a tiresome project which needed completing in the house preferably before winter falls. And I couldn’t face it.  I was close to tears, on a Saturday! What a waste of tears.  I determined I was not going to cry on my own time!  Instead, I was going to be still.  I was going to ignore the day as long as I could.

My teen padded in to my untidy room around midday and flopped on the bed.  We conspired together that we deserved a complete day off having run ourselves ragged for years.  It was exciting to be in this together.  We chatted a while about books we were reading on Audio because we’re both a little dyslexic and I’d rather listen to a book than struggle with text and so would she.  We’re both perfectly capable of reading but sometimes for recreation we just have someone read the darned book to us.  It feels like cheating but what is the point of technology if you can’t use it to enhance your experience of literature and make available that which you wouldn’t have tackled without the electronic intercedent.

After a while she padded off again and I settled in for more breathing.  Breathing is something I’ve taken for granted all these years but of late my glorious mind keeps trying to trick me that there is insufficient oxygen in the atmosphere.  Stupid glorious mind…

So, I lay there in my unmade bed and breathed.  Then when I’d done that for an hour or so I took a nap, then listened to a show and then breathed again.

I was roused only by the offspring’s enquiry as to what was for dinner.  Without said offspring I would gladly have spent all the hours until the next day in my room, but I’m contracted to care for the kid so up we got and a dinner of beef burgers and pasta was rustled.  Then, relocated to the living room, I sat and breathed some more until I realised it was now 2am and I really should go to my untidy room to breathe.  Brushed my teeth and toddled off to my chamber for some more breathing.

Is it me, or did somebody really turn down the oxygen supply in the atmosphere?  Asking for a friend.

2hrs 15 minutes

I turn over and look at the clock. I turn back and avoid the clock.

2hrs 15 minutes is the average time I’ve been spending in bed in the mornings, awake, trying to gee myself up to be enthusiastic about the day and everything I should have completed the day before which carries over to today and how todays actions are piling up too, compounding the problem.  Waking before the alarm is not something to which I am accustomed.  Laying there staring at the pillow beside me until the very last second is not something I want to make a permanent part of my life.  I sigh.  I turn over and look at the clock.  I turn back and avoid the clock.  I just breathe and try not to think.  I am well slept but weary.  The weariness never abates.  It’ll get better.

Somewhere between here and infinity

If all your peace of mind is gone, and is replaced by hypothetical money worries, you need to speak with your friends.

Don’t you love friends who talk you down from the emotional ledge?  (The correct answer is yes, yes we do love those friends).  I’ve been using much of my spare time to ponder next steps now that we are in the privileged position of being in credit for the first time in almost ever, and for the first time since becoming a fully fledged adult taking care of adult responsibilities.  For clarity, it’s not much in credit but there is a plus sign not minus on the ol’ bank account and that’s a good enough start for me.

When I was working toward bringing credit agreements down to a zero balance, there was a definite goal, a specific figure had to be reached for that to be successful, there was a stopping point.  While the task was immensely difficult, the actual ability to quantify the required outcome was simple.  Keep paying for stuff until there is no more to pay.  Reducing to a nought.  Simple to keep straight, eh.  If there was more than a nought on the balance of the credit agreement, I wasn’t there yet and had to keep going.  Simple.

What has had me vexed is the next step.  The next baby step.  It has kept my mind occupied while I pondered, cogitated, and strategized.

Now that the little number is increasing there is no ceiling, no natural end goal.  Numbers go up to infinity plus one as any clued up 8 year old will tell you.  It vexes me because there is no way to know how much is enough.  How much will we need to have set aside to get by in the next month, year, few years, decade, until retirement or until the end of my natural life.  There is no figure.  It will always be too little.  It will always be more than we had.

With no natural end result my mind has been in a spin.  It has in actuality been quite a little more difficult than dealing with paying down credit.  At least if we had almost nothing we knew what we could do with our little porridge pot.  At least if the money ran out we knew or at least hoped that we had food storage and petrol in the car and the bills were paid.  Although awfully difficult, there were specifics and I am a lady who loves specifics.  I need to know the end from the beginning and if I don’t then all merry emotional hell breaks loose.  Uncertainty does not sit well with me, never has, likely never will.

So, all merry emotional hell has been breaking loose as a consequence of feeling somewhat untethered.  Which is ridiculous.  How can success make a person uneasy?  It’s daft.  I felt like a fool.  I’d met a target, a stretch target as we like to say at work, and yet I was managing feelings larger than before I started.

Anyway, with a sky’s the limit, no end in sight, don’t know how much is enough mind-set I wasn’t feeling very settled.  Until in walks a buddy called Sinead, who herself was hot on the heels of a friend called Mel.

When I was in a tailspin and worrying out loud “what if the roof falls off?”, Mel had quizzically looked at me and said “you have house insurance”.  I slapped my forehead, of course I have insurance, of course if there is a disaster at the home not of my doing and that I cannot fix myself I can rest well knowing we are covered.  It soothed my troubled heart.  That worked for a few days.

Then I went on to fretting on the topic of “how much is enough to have set aside and when do I need to have it by?” because bills have due dates, don’t you know!  I was and still am in a due date mentality.

After confiding in Sinead in the corridor at Church between classes (sorry, missus!) who had only congratulated us on getting to where we were, she came up with the plan of having an account with a specific goal or figure in mind, like £500 for example, and when that is achieved, that is full.  I’ll have done it, it would be completed.  Then open another goal with a slightly increased figure in mind, work toward that and when that reaches the pre-determined figure, I’ve succeeded in that too, and it is done.  Then do it again and so on.  Effectively, we cannot determine the future but we can set goals and work toward them and tick them off when they are completed.  Is this making any sense?  Add a finite factor to an infinite problem.

It had the immediate impact of settling my troubled heart.  How simple.  How insightful of her to realise I wasn’t faux-probleming and that this really was a big deal to my family.  To both these ladies I doff my hat and say thank you in writing as well as in person.  Complex worries had simple solutions, these ladies comprehended the worries and helped by suggesting ways through.  How beautifully hearted of them.  Aren’t they lovely?

I was told a few years ago that someone perceived me to be a Solution Oriented Optimist.  Someone who could see the genuine problem, review, decide, act and stay positive when possible and even stay positive when highly improbable but never deluded.  Their opinion of my was a surprise because I knew what went round in my head at pace to get to the Solution they saw in front of them.  I think this experience over the past couple of weeks has fallen in to this category, without my friends I couldn’t see the solution.  They helped me peep through the fog of worry.  A fog which was of my own making but real to me none the less.  A solution has been formatted and we are making great headway.  Thanks for listening while I got this out of my head and on to electronic paper so to speak.

DEBT FREE AT LAST!

Debt, significant debt, followed me for decades but I just made the final payment! *Pulls kilt over head and screams FREEDOM!*

Only gone and blinking done it! Decades of debt finally all gone, all paid down, every penny. I await a bill for some car repairs but otherwise and aside from a mortgage and regular bills, I owe nobody anything. The money in the bank is mine to do with as I please. I cannot remember back when this was the case previously. It has been my constant companion, my lullaby at night, my alarm call in the morning, it has been my travelling companion and as close to me as my own heartbeat. It has been a motivation to focus on what matters. We had a good life none the less but this is a legacy I didn’t want to pass to the next generation. I wanted the next generation to be free to take chances and be bold if they choose to be. It would have been easy to pay off minimums for the rest of my life and ignore the freedoms afforded to those who are not thus shackled. Easy. The hard decision was to live up to what I though was right for us. To actually decide that my life work until it was completed was to be free of things which erode my freedom to choose, and debt was right up there at the top. Each month it would eat away at my disposable income. It was a constant reminder of mistakes made. It annoyed me.

If you are minded to make the same decision and become debt free, hats off to you.

If you are minded to make a different decision and stick with minimum payments, more power to your elbow.

Shakespeare in Hamlet wrote:

“Neither a borrower nor a lender be; For loan oft loses both itself and friend, And borrowing dulls the edge of husbandry. This above all: to thine ownself be true,”

The whole phrase resonated with me but it’s the “This above all: to thine ownself be true” part which always rang in my ears since my days at the Provo Missionary Training Centre (MTC) and our District Leader, David Muntinga would repeat this phrase out loud to himself frequently. It stuck like an earworm and shaped my personal philosophy. So, thanks Dave!

My philosophy is based on strength of character, freedom to choose, kindness where possible, resilience to weather the storms, and a passion to embrace opportunities.

I think the experiences we have gone through as a family, particularly in the last 4.5 years should act as a cautionary tale to young people making life choices!

At any point we can make a different decision and choose a different path. The principle is called Agency. We all have it and it is like a muscle in the body, we either use it and it strengthens or we don’t and it weakens. Making a different decision feels awkward, clumsy and ungainly. It is not a pretty sight at first but I liken it to watching a class of 4 year old children learning ballet who look like cats on roller-skates at first vs that same group 5 or 10 years later with a gracefulness which is inspiring. Work through the kittens on roller-skates phase, it doesn’t last forever.

If I had my time over, these are some of the things I wish I’d adopted earlier.

  • Choose your path of study – does it get you where you need to be for your next life steps? Does it open or close doors?
  • Choose your career well – will it provide for you and your dependents. The higher qualified you are, the more freedom there is to make your own schedule. Qualify young, qualify highly.
  • Choose your partner well – if you choose to have a partner do they have complimentary goals and philosophies, are they equally carrying the load, are they easy to be around, can you talk about the specifics of budgeting without fighting or someone becoming moody?
  • Choose your financial strategy early in life – are you a spender, are you a saver, what did your parents do and did it work for them, if you don’t know about money, learn! There are endless resources available online or in your library. How many hours can you put in to your career. Do you have other priorities which draw away your attention. Is your strategy working for you?
  • Choose to budget – know what is coming in and what is going out. Know the dates of payments. Write it down.
  • Choose to recognise the true cost – I mentally add the time away from my family to earn the money and the tax already taken by the government into the cost of the product and think to myself “is it still worth it?” Conversely, if you have financial woes and plenty of possessions, know their value and sell them! Generate revenue, get back some of the cash and pay down expenses.
  • Choose to find the best deals for you – as contracts come to an end, shop around. As birthdays come up, buy early and allow time for shipping at a reduced rate. As utility prices fluctuate, move deals or suppliers. As tools become needed for a DIY project check the internet vs the high street prices and make good choices.
  • Choose to cancel duff subscriptions – FREE MONEY! Who doesn’t love free money. That’s what it feels like when you find a subscription you’d forgotten about on your statement and cancel it down.
  • Choose to continue learning and growing – there will be wise people around you in your life, listen as they chat, ask questions when appropriate, learn from them, use them as a mentor.
  • Choose to ask for help – if you are in over your head, ask for help. Call the companies and tell them. Tell a friend. Approach organisations who manage these situations daily. You are in it on your own, your choices got you here and your choices are going to get you out of it, but if it all gets too much and you need expert help, ask.
  • Choose to build a reserve – if you are debt free, build a slush fund, a reserve, a cushion, whatever you want to call it, to fall back upon in tough times. Tough times always come. It’s prudent to have done what you can to make those times a little easier.

My experience has reached the Build A Reserve phase. It is quite exciting to build rather than be repairing. Feels completely different and it is actually a little scary which is silly. What if I do the next phase wrong! Anything new can be daunting so I choose to push through, carry on learning, carry on listening and carry on trying to make good choices. I may never rival the likes of a billionaire, people who I do not envy at all, they worked hard for what they have and I am pleased for them, but I can build from this point forth and can be pleased that I got my little family this far in the journey. It is hard. Oh so difficult in ways that I cannot find words to articulate. It is possibly one of the most challenging experiences of my life. I’m hoping that the effort one day feels worth it. Right now it is all a little raw and a little new so I have to let it settle in to the new normal before I can speak on that with any degree of confidence. This is my new Kittens On Roller-skates phase!

Now hopefully you’ve had a charmed life and never have to consider much of the above. You people who are adulting successfully have been a quiet inspiration over the past few years so thank you.

The New Normal

Life is normal for the first time in 4 decades and I think I’m becoming a fan.

So much has changed and is changing for the better (knock on wood) that the ease of the transition has been a surprise.  Sure, I slogged my guts out for weeks straightening the houses – and dropped a dress size in the process thank you very much – and there is still a lot to do, there will always be a lot to do, but the new normal is starting to sink in and I think I like it.

I have a nomadic heart so the idea of staying put for the next 25 years was a huge adjustment.  It vexed me and demanded my emotional attention but the concern, and it was concern, is dissipating now.

We have painted walls and we have fresh, new carpet.  We have a place for almost everything but I know those places will be altered in due course, I still have to put up the blinds but that is much harder than it looks, particularly when you drill where the brackets should go only to find loo roll, toilet tissue paper, padding out the void behind the wallpaper!

But the house is pretty easy to live in.  Some houses work, others don’t.  Rentals generally don’t work unless you go for a fancy one.  Invariably they were purchased by the owner because they were cheap, and they were cheap because they are difficult to live in.  This one works.  According to Missy “the flow” is right which I think means how easy it is to move around a house and use the spaces available.

The problem I have is that there are too many kitchen cupboards and I keep forgetting where I put my items so I have to go on a cupboard opening hunt for the items I need every evening while I mutter “D’oh, for the love of Sundays!”.  I find it amusing.

When the summer comes I’ll empty and repair the sheds, decide what we are keeping and chucking or selling, jet wash and treat all the wood in the garden on the deck and the fences and sheds, I’ll get a new hatch put in to the loft with a pull down ladder to make access to the roofspace less arduous.

Actually, if I do the loft hatch first, all the bits laying around which don’t have a home yet can be put away and that’ll really break the back of finishing this thing.

It’s never going to be in Country Living or Homes & Gardens but I can Pinterest he heck out of this and make it work for us and be a cozy place to be when we don’t have to be somewhere else.

It’s normal now to drive through the neighbourhood, to say hi to the neighbours and stop to chat with them for a while.  They’re all lovely so far.  It’s normal to sit in the back garden in the sun and read a book for a few minutes when I get in from work, it’s normal to look out of the kitchen window while I do the washing up, it’s normal upon arriving home to call up the stairs to Missy who will almost invariably be in her room and ask her to come downstairs and pick up after herself.  I love that we’ve been there long enough for me to have made it untidy and tidied it up again.  I love declaring “This kitchen looks like a pig pit!!!” and quickly doing a couple of bits and it’s back to looking good again.

Life as such isn’t easy, we all still have to work hard to earn a crust, and we still have the chance to get involved with things which matter to us, and we still have friendships to maintain and enhance, and we have tired days and energetic days, it isn’t easy but it can be made easier than it would have been.

I don’t recall ever having had normal before, I think I’m becoming a fan.

My Curly Haired Baby Finishes 3-16 School. 

16 year old kids are ready to leave school, I however am not ready. I am a hot mess.

OK, so I might have been a hot mess last night. I might have managed to keep my “I am so pleased for you, congratulations sweetie” composure as Missy dropped the news that she leaves school officially on Wednesday lunchtime. The penny dropped. I suddenly twigged that my little curly afro haired baby who’d been wearing a school uniform for over a decade would be finished with uniforms as she enters study leave for her exams. My curly haired baby who looked at me so doe eyed in those first days of school was now laughing at me getting misty eyed as she talked about the final ever classes with her favourite teachers and how they were taking pictures with the students and giving them pep talks. My child is a child to me. Sure, the world sees a 5′ 10″ young woman who is capable and confident but I see my baby fresh out the hospital or in her oversized polo shirt with a logo. They see someone doing really well in the sciences and I see Chip and Biff early reader books. They see someone who stands her ground and I see someone who needed defending. 

She is ready, I am not. 

After this summer, adulthood looms. She is going to be magnificent and rock everything she sets her mind to. I will have to continue letting her move away and acclimatise into opportunity and responsibility.  My whole mandate for 16 years has been to let her be free enough to be a child, safe and loved. Now my mandate is changing and it is happening so quickly that it is difficult keeping up but I will get there.  She still has two more years of school but is more like junior college where they’re more autonomous. My baby is no longer a baby and it has come as a surprise. 

I am often behind the emotional curve, this is nothing new, no major surprises. I am very pleased with the woman she is becoming and look forward to standing back and observing her in adulthood in a few years, but not yet. I need a little more time. 

Debt Free At Last, Free At Last!

Debt is a form of modern day slavery. Well, with a little luck, this Woman is about to get her freedom papers.

If I have my numbers right, and I am quietly confident that I most likely have, in 2 months I will be completely without debt excluding a mortgage and regular bills. Did you hear that?  (knock on wood)! *runs around the house with her shirt over her head screeching hallelujah’s*.  

I have within my grasp the idea of being debt free for possibly the first time in a long time. I am excited to start building rather than repairing. I am excited at the idea of getting out in front rather than keeping up.  I am excited that the £28100 rent in the past four years didn’t quite pull us under. I am excited that elbow grease and value for money service providers were the biggest component in fixing this home, I am grateful for a wizard of a Mortgage advisor who negotiated a very manageable deal. 

Now, in among this happiness let us not start planning a new wing on the house, or moving to Kensington SW1 in London, or buying fancy things. We will, by the grace of whatever we believe in, and with a trade wind in the right direction, have enough to get by. We will, putting aside the obligatory emergencies, be able to live comfortably enough to to have everything we need and a little of what we want after building up a little reserve for the future.  I will not have to do mathematical gymnastics and keep a mental and physical spreadsheet log of everything draining our resources and their current APR.

Now, although exciting to me and joyful, it is also a little embarrassing to have been in this predicament.  Lesson number one, when the boy says he needs all your money and you have to pay the daycare fees and household bills too, don’t do it. He will have nice clothes and you will not. He will go out with friends and you will not. He will put your shared houses in his sole name. He will be a toe rag but you will not. 

In a month the divorce will be through. I am going to see if I can push and have this all knocked off before then. It is a big ask but wouldn’t it be grand to have matrimonial and financial freedom occur simultaneously?!  A woman can dream and then wake up and get to work to make her dreams come true.