simple island living…a reminder

January 31, 2012 in beach, changes, life

I’m feeling down today.  There are plenty of things that are great about my life, but right now, now I’m a little down. I want to curl up in bed and sleep all day.  Sudden unemployment and the search to find affordable healthcare was a trial to deal with – and we as a family handled that like a boss.  Any sadness/crying/boo-hoo-hooing happened because I had to realize that my parents weren’t the people I thought they were.  I thought they had changed since I had been in high school, and it was a sad realization that they were exactly the same.

But that was last week.

This week, someone stole our baby’s stroller from our driveway.  For some reason, that really hit my husband and I hard.  It wasn’t a hugely expensive stroller – in fact I did countless hours of research before we bought it to make sure that we were getting everything we wanted for as little as possible.  We paid about $100 for it – which any parent will tell you, is a bomb price to pay for a stroller that will take a newborn to a mini child.  It was pretty, it was sturdy.  It was a friend for the past almost 2 years.  And some asshole stole it.

our former stroller and the sleeping dude

So because I don’t want to really curl up in bed and sleep forever (well, I do, but still), I decided to remind myself to be happy.  And therefore, I present to you, my lovely bloggy friends, a reminder of simple island living.  Please enjoy my tour of Hawaii.  I hope it will bring some aloha to your day.

xo

Kris Read the rest of this entry →

retirement savings during unemployment

January 30, 2012 in retirement, unemployement

So I’m without job, as you all know. The first thing to go when we redid our budget was the $1600 in savings that we normally socked away.  $1000 went to our Roth IRA’s, and another $600 to various ING accounts. I haven’t exactly cancelled these automatic savings withdrawals yet, but I assume that I will have to very soon.

The one that hurts the most is our retirement.  We have a goal, a vow that we made when we had a baby, that we would never make our kids have to be financially responsible for us in our retirement.  We want to be able to travel the world, drink great wine.  My husband wants to be able to stand in this field and say, “I was there.”

Chateau Mouton Rothschild Vineyards

The things we want to do are dependent on how much we save now.  Neither of us have had access to 401K’s in the past 7-10 years or so, probably more, so we are very aware that we need to – at the bare minimum – max out our IRA’s.  It doesn’t help that we are both late starters in the retirement game – I played off and on since I was 23, and he started about 5 years ago.

Needless to say, when I became unemployed it became obvious to both of us that we needed to stop funding our IRA’s until we were able to figure out our finances.  It made both of us very, very sad.

But!  Then I had an epiphany of sorts.  I was feeding the cat when I started thinking about some old blog posts about emergency funds and Roth IRA’s, specifically that in some circles, people advocate using a Roth IRA as their emergency fund.  Balls!, I thought.  What a terrible idea.  Why on earth would anyone put their emergency fund money into their Roth IRA – who are those morons?

Well, I thought as I gave the cat some water.  I guess I’m a moron, by my own definition.  Because that’s probably what we’re going to do.

Read the rest of this entry →

joined the Yakezie challenge…the most productive part of my friday

January 27, 2012 in blog

I am a Yakezie challenge member.  What does this mean?  This means I’ve joined this.

Will it get me anywhere?  Hope so!

Will I win anything? Eh, not that type of challenge, unless you talk about personal gains, which then – totally!

What does it mean?  It means I’m going to do publicly what I’ve done anonymously for a long, long, time:  Be a part of the bloggy community.  For reals y’all.  I won’t just skim past blog posts without commenting – I’ll comment, I promise!  I won’t just blog occasionally (like once a year)…I’ll blog often!

Most of all, I’ll share the posts I’ve enjoyed, and share the love around the interwebs.

Amazing what a little love can do.

Share the love!

xo.

Kris

interweb reflection and foodie fridays: gemelli carbonara

January 27, 2012 in food, interweb reflection, recipe

Interweb reflection:  The posts this week that made me go hmmm….

On Get Rich Slowly, Clara shared her reader story of how she obtained a frugal, happy life.  I love reader stories, what can I say.  Ramit’s The Money Diaries are still my absolute favorite.

J. Money @ Budgets are Sexy posted some awesome personal finance challenges.  I signed up for the earn $3k because I want to feel like a fool when I come in dead last.

Deb at Smitten Kitchen posted a recipe for buttermilk roast chicken.  Deb is amazing, and it’s foodie friday.  Need I say more?

And though I know it’s from last week, I didn’t do a link love last week so I’m adding it to this week’s.  Because everyone needs to read The Bloggess.

Read the rest of this entry →

laziness…the enemy of money

January 26, 2012 in changes, life


The Lazy Song by Bruno Mars

A thought occurred to me as I pushed a 22lb stroller with a 26lb toddler strapped inside it up a hill today:  I have been a lazy, lazy girl.  And I’ve got a hole in my wallet to show for that laziness.

The other day I told my husband, “We need milk.”

He said, “Ok, when are you going to Costco?”

I said, “Monday after baby gets up from his nap.”

He said, “With what car?”

Oh.

Read the rest of this entry →

budget, anew

January 25, 2012 in budget, life

Scratch that old budget.  That ancient thing needs to be tossed out the window like last week’s trash.  This time, it’s all about needs.

$1200 health insurance for 3 people

$800 rent

$300 mortgage

$500 food

Needs = $2,800

Secondary needs:

$130 2 phones

$300 gas/maintenance for car ($4/gallon in Hawaii, husband is a salesperson who drives for a living.  He anticipates filling up once a week.)

$20 internet (Again, he works from home.  He could do without internet if every time a client called he ran to the coffee shop 5 blocks away to place an order.  I don’t think that’s the best idea for client relationship.  I also wouldn’t have internet for my computer…no job search or blogging from home.  Hmm.  Dislike.)

Secondary needs = $450

Needs combined = $3,250

Additional bills that can be cancelled:

preschool for son:  $1050

netflix:  $10

Club fees:  $200

Total bills:  $4,510

My husband (right now, 100% commission) is pulling in about $1,940 per month.  That leaves $2570 remaining.  If we cancel preschool, netflix and club fees, that leaves $1,310 remaining per month we’d have to draw from savings.  Theoretically, we have 19 months worth of savings in the bank.  However, if we keep our son in school, we have 9 months.  The problem is that when I gave birth to my son, it ended up being around $1500 out of pocket for various expenses.  We just had to purchase a new HVAC system for our mainland rental property (can’t sell it without owing about $50K – our poor house tanked in this market.  It’s down almost $100K from when we bought it) for $2K.  Who knows what other unforeseen costs will come up?

The biggest factors in this are the unknowns.  Can I find a job that will hire me for 5 months, give me at least 6 weeks off, and then let me return?  Will I get unemployment?  Will I qualify for state run health care?  Is it bad karma for me to even try, when theoretically we have money to pay for it (for a limited amount of time)?  How much will my husband make per month?  Will the new baby have any medical costs?  Will I have any complications with this pregnancy?

For the time being, we are going to keep my son in preschool.  If I still don’t have any other sources of income in a month, we’ll reevaluate.  My aunts have offered to help in any way they can – financially, emotionally.  My in-laws haven’t offered, but the offer is implied.  We don’t need to borrow anything right now, and would prefer to keep it that way.  We’d also prefer not to dip into retirement savings either.

Any advice out there from cyberspace?  What would you do if you were in this position?

failing and trying…trying to fail?

January 24, 2012 in changes, life

I just failed, big time.  I failed my family, I failed myself.  But why…why do I feel…great?

I found the answer when I was perusing Give Me Back My Five Bucks, in the blog post “if you’re not failing, are you really trying?”  This was my life, and now that I’ve failed at it, I’m forced to try.  I was complacent for so long, wanting to do something else, something more, something different but never willing to let go of the safety nets that were built around me…they’re gone now.  My husband is, understandably, freaked and I am so sorry for making him feel that way.  My son is blissfully unaware of anything except learning his ABC’s, and my fetus, well.  It is just…creating.  I am almost thrilled.

Krystal wrote “But everything changes when we learn to take chances. Life happens. You learn quickly from your mistakes, and a good argument can be made that you learn more from failure than from success.”  I failed miserably, and now I see wide open spaces in front of me.  The hatred I felt going into work everyday – gone.  The despair at being stuck in a situation that I never thought I could extricate myself from – vanished.  The loneliness at having to deal with no friends, no social network at my work – lifted.  It’s amazing, really.

My husband asked me, right after this all happened, “Well, here’s the question you’ve been asking yourself for the last 10 years.  What do you want to do?”  He’s so right.

For years, I loved waiting tables and tending bar.  I adored it.  But I didn’t feel like I could make a living at it for the rest of my life, and so I found a “real” job.  It was a receptionist.  I hated it.  It’s the most boring job in the world.  Then I became an Executive Assistant, which, while interesting, was weird.  It was just odd.  Then I changed employers, kept the title, and realized in other worlds, Executive Assistant means “mommy”.  As in, “you have to remind me to wipe my butt!”.  Literally, that was said to me.

I *wanted* to be a writer.  I *wanted* to go into publishing.  I *wanted* to work at the Humane Society, or at a non-profit that I believed in.  I *wanted* to do a lot of things that I have never, ever done.  I kept at the safe jobs, the safety nets.  When I failed at being someone’s mommy, I ended up back in restaurants, waiting tables and bar tending.  I love it, I still do – but I still can’t justify doing it with a baby and a bump.  So what am I going to do now?

It’s a big wide world out there.  I could become an RN (vetoed after my husband reminded me I’d have to jab needles into people), I could become an EMT (vetoed by my husband as he stated I’d need better driving skills in order to not run over people; he also noted I’d have to administer CPR to people lying on sidewalks with roaches crawling all over them and perform emergency tracheotomies – such a debbie downer he is).  I could go be a food specialist at a retail store (applied for that), could go into the world of wine like him, could go back to school and get a Master’s in…something.  There’s so much I could do.

What I should do?  I should get a job in administration like I have experience in.

What I’m going to do?  I’m going to try.  I’m going to try to get a job in a field and a company I believe in and would enjoy.  I’m going to write and try to build this blog.  I’m going to try to finish my novel that has laid stagnant in my documents folder.  I’m going to try to be the person I want to be, instead of stagnating in an office I hate, with people I feel lonely around, at a job I despise.  I’m going to try to be the best mother I can be to my son, and the best wife I can to my husband.

I can try at so many things now, all because I failed.

the negative of wealth

January 23, 2012 in changes, life

So I was either fired or I quit my job Friday. It depends on the perspective you tend to take on it.  Regardless, I have no job now.

My husband just changed jobs, so is without health insurance.  He was going to join mine until his kicked in.  My son just started preschool – at a whopping $1050 a month for half days.  And I am 4 months pregnant.

It is, to say the least, a terrible time for this to happen.  The most bizarre part of it all?  I worked for my parents. Read the rest of this entry →

to tv or not to tv

January 20, 2012 in budget

book? what book? bring me football in HD! i need to see the sweat coming from every pore!

One of those money drains that seems like such a necessity is the TV.  I have always had tv in my life; basic, cable, something was always there to keep me occupied. My husband had a tv but didn’t have anything more than bunny ears.  His parents were so anti-tv in fact, that they would rig the tv to not work when they were out of the house.  They should have realized that a PHD in one parent and Masters in Mathematics in another would equal children who were very, very savvy, and could thus jailbreak the tv when their parents weren’t home.  This wasn’t my life.  If I didn’t have the tv, I’d just read a book.  I don’t know how to hook up my internet.  I’m not joking. Read the rest of this entry →

following the foodie leaders

January 19, 2012 in food, life

fun with carrot curls and rice

We have some friends who have somehow achieved the impossible on a very expensive island:  Managed to live on one minimal salary in order to have one parent stay at home with their daughter.  Where they found the money, ability, and gumption I don’t know, but what I do know is that they, more than anyone else I know, enjoy life on an island.

They are gourmands and love to drink excellent beverages.  They have lovely taste in clothes and always look fashionable.  They are in better shape than I have ever been.  A lot of people call them their favorite couple.

I’ve always wondered how they kept their heads above water, their daughter happy, and their marriage solid when they worried about money.  But, like I mentioned before, happiness, wealth and contentment go hand in hand if you’re creative enough.  And they’re very creative.  They are great example of a simple island life.   Read the rest of this entry →