Showing posts with label budgeting. Show all posts
Showing posts with label budgeting. Show all posts

Tuesday, December 29, 2020

Christmas Angels

           My first daughter-in-law is a lot more creative and frugal with money than I have ever been.  Both skills I am certain that she learned from her mother who was able to make her husbands paycheck stretch among feeding seven children and providing for medical and clothing needs.  I dont know what her dad did for a living, but I highly suspected that there had been struggles.  I, unfortunately, never got to know her mom as she passed two months after Tony and Rochelle were married. 

          Roland sent each of the boys a check to use for Christmas gifts this year.  I dont like going to the post office in December as it is.  And we always end up spending more on shipping than for the items themselves. Of course this year presented even more challenges.  For the last couple of years we have sent out gifts to Tonys family and sometimes my sister.  We had both told Tony that we wouldnt be doing a gift exchange this year. Oregon seems to have more restrictions than does Utah or else there are just more people in Utah that dont care.

          Tony said they had gifts for us regardless.  I am so happy about the gifts he sent for there was a lot of thought put into them and Im certain the family had fun making these:

 




          One year Rochelle had traced each childs handprint and added faces to make them deer.  This year she turned the handprints into Angel wings:

 



          They also made a nativity which we will hang on our tree next year. 

 


          I received a cup that displayed the photos of the three grandchildren from that side.  There was also a 300 piece puzzle which we will start after we take the tree and other decorations down.

 


          Jenna took pictures of our opening packages and all the games that were sent.  We will be playing one this morning.  Most require more than two people.  Look forward to when we will be able to do that with other people.

Wednesday, July 3, 2019

I Wish I had been a Better Example


            When I married Roland, I not only gained a new husband but three sons as well.  At the time they were 11, 14, and the 12-year-old had just turned 13.  They are now 29, 31 and 32.  My eldest two have no concept of money.  My youngest consider money a huge priority.  My eldest and youngest boys have had a number of jobs for different reasons.  Biff either can’t hang on to a job or gets bored with it and finds something else never allowing for the opportunity of benefits – like dental insurance.

            The youngest one came home from his mission and decided he was going to go to BYU and major in business.  He decided to take a job at a local credit union.  He was there for six weeks and decided to find a job that would pay more.  He decided he would be a doctor, a podiatrist, a surgeon, a heart doctor . . .  he never landed on one thing long enough to benefit.  He and Roland should have graduated from school at the same time.  Roland now has two degrees.  Randy has none.  But hey, he has been able to get jobs that pay more and he doesn’t have to work so hard at being stuck in school for the duration of his life.

            He moved his family of three into a four or five bedroom house in Eagle Mountain.  He wanted us to stay with him during Christmas so he could show off his new house.  I didn’t care if I saw it or not.  I figure he would not be there the next time we saw him.  He always has to upgrade after less than two years.  He always desires for a better and bigger toy, house, car, money . . . he has been at his house for less than a year and is now on the market because he and his wife will be moving to Buffalo, New York.  He had been sent there to interview for a job.  He is so excited about all the money he will be making.  30,000 dollars more than he is making now.  Big whoop.  He isn’t comprehending that he will most likely be spending more than that with the cost of living.  I don’t envy him.  I pity his frame of mind. Randy had all the integrity of so many politicians.  I am actually surprised he is following through with moving and not just talking about it anymore.

            My eldest two boys have no clue how to budget.  Thankfully, Tony’s wife knows how to get more mileage out of their dollars than does the average person. She married Donald Duck who has been on probation from the company he works for.  He was written up for flipping a rubber band at a co-worker.  Not exactly a mature move on his part.  He’s afraid he’s going to get fired – and right after he was promoted.  He can’t afford Randy’s house.  Biff and Tony together couldn’t afford Randy’s house.  But he needs to move to a three bedroom house preferably – not another apartment.

            The boys often call Roland for advice but haven’t seemed to follow through and so I don’t know why they ask.  Perhaps they just want Roland to agree.  I wish there was a solution for us all. 

Saturday, January 14, 2017

I Don't Wish to Be Normal or Average


                I always thought I was unique about seeing faces in patterns or saying a certain vegetable or color that is not the same one that everybody else thinks of.  Jenna has watched a lot of "Brain Games" and as I have watched it with her, I have discovered that I fall into the norm.  What?!  I don't want to be normal.  I want to embrace my differentness.  What differentness?

                Last night Roland and I were watching 20/20 (found here and here) in which Diane Sawyer interviewed a number of people and took us into a piece of their lives and I cried about the struggles of the average American working hard for so little - holding multiple jobs just to stay afloat.  And that is what most of us are doing - just staying afloat.

                My parents weren't the wealthiest of couples, but my dad was GREAT at math and budgeting. With the help of clipping coupons and knowing where to find the great bargains, mom and dad made it work.  They gave us everything with what little they had.  Every year my family would go on a vacation together.  Every year.  The one year that we couldn't afford to go on vacation, we spent each day doing family outings.  (see here and here)

                I had wanted to do that with my family whenever I had one.  I didn't know I would be so dirt poor that just going to the movies would break us.  I know there are many who are better off than we are (financially anyway) but apparently we're still doing better than average.  And that's scary.  What kind of a nation are we living in that people are donating their plasma to make ends meet or try to provide their child with a birthday gift or sleeping in their cars during the day so that they can taxi other workers home at day's end?




                Why is a firefighter doubling as a paramedic not getting paid a decent salary?  Firefighters put their lives on the line for us and they're only getting minimum wage?  What kind of crock is that? Why are so many educators working second and third jobs?  Why are so many people spending so many hours apart from those they are trying to support?

                This morning we were watching a documentary on the roots of Joseph Smith - how his father had been cheated out of a sale made, how the family moved from place to place and continued to struggle.  Evidently, we stand in good company.

                We have always had a roof over our heads, food to eat, clothes to wear.  Currently, Roland does not have to travel to work which saves for gas money and wear and tear on the car.  He hasn't had to spend 2-6 hours on the road to get to McDonald's just to make ends meet.  We have been blessed.  

                I still would like to take our entire family on vacation.  I'd like for all of us to go to Disneyland in October.  That is when mom and dad were married, and that is where they spent their honeymoon.  It would be hurtful to go at the expense of somebody else - struggling just to put food on the table.  It makes me sad.  It would be truly amazing if Trump could single-handedly turn us around.  Six more days.  Kayla's birthday.  What a thrill getting a new president inaugurated every four birthdays.  LOL