Posts filed under ‘thoughts’

Regrets

paris

My ninety-one year old grandmother recently told me she regrets never traveling to Paris. She mentioned the desire to take a trip there ten or fifteen years ago, but I didn’t realize how important it was to her. At the time I was so entrenched in my own day-t0-day life that I failed to see how valuable that experience may have been for the two of us. If I could turn back the hands of time I would purchase two first class tickets and spend a week there with her. Now she is too frail to travel.

My grandmother is a feisty woman and I love to listen to her take on the world. “Everything is expensive these days,” she tells me. She wholeheartedly believes this to be true. After all when she was younger she earned a dime a day and a visit to the doctor cost her one solitary dollar. It’s amazing how much the world has changed since she was a child. I never get tired of hearing about horse drawn carriages and men who delivered milk and ice each morning. She’s convinced we are killing ourselves with prepackaged foods filled with preservatives meant to last for a decade. She told me she went to the market every day in search of fresh food to cook for dinner.

I hope to live another fifty-five years, but I wonder what the world will look like then. My grandmother’s parents didn’t own a car. How strange it must seem to her that my son can carry the entire world in his pocket via the iPhone.

I have regrets in life but most cannot be changed. I wish I hadn’t destroyed a high school friendship over a boy. I wish I had been nicer to the thirteen year old girl who was teased by all of the other students in our class. I wish I had learned empathy at a younger age and been kinder to those who were undergoing difficulties in their lives.

I wonder if my regret list will grow with time. Right now I have the health and ability to fulfill my dreams, but I know that neither of those two factors are guaranteed.

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July 8, 2014 at 3:18 PM Leave a comment

Unfounded

I’ve always felt old beyond my years. Some children are free spirits. I was not. I was the serious type, always concerned about one thing or another. My parents are worriers and I wonder if I was born this way or if their behavior changed me. I never gave that idea much thought until I had a child of my own. Now as I watch my son I think a lot about who he is and how my actions may change him. I wouldn’t say I worry about it, but I certainly think about it a lot.

I am a worrier. As someone who often felt shy I worried about making friends, fitting in and feeling comfortable in my own skin. I remember reading the class rosters that came out every August and counting the number of classmates I already knew. Oddly enough I never had trouble making friends and despite my fears I often befriended the new kids and exchange students who transferred to our school. Everything always worked out alright.

Throughout my school years I constantly worried about my grades. I had a competitive streak and hard-working drive that made me crave straight As and positive recognition from my teachers. My worries were always unfounded. Throughout the years I always received near perfect grades.

During my teenagers years I constantly worried that I would never find love. I was always tall, finally topping out at 6’1” and little old ladies would often tell me men wouldn’t want to marry someone taller than them. During one very short elevator ride a woman told me men would find it unnatural to marry someone who looked down physically upon them. That woman whose name I don’t even know impacted my self esteem for years. I worried that I would never find love, but eventually married a man who is about two inches shorter than I am. He was never concerned about the height difference and as a result neither was I.

In my mid-twenties I ended up in the emergency room with a pulmonary embolism. As doctors failed to diagnose the cause of my clot I worried that I wouldn’t survive and that I would die of an incurable disease. It took many months to receive a diagnosis and many years to recover, but once again my worries were completely unfounded. If I didn’t tell you about my medical history you would never know that anything had happened to me.

During the time I was sick I worried that I would die, but oddly enough I worried more about the fact that I would never have children. I remember holding back tears as I walked through the neighborhood attempting to rebuild my strength and stamina. When I finally felt well enough to try to conceive I didn’t get pregnant easily.

Nearly six years after my embolism and recovery I now worried that I was too old to bear children. I constantly stared at the calendar dreading having my first child over the age of thirty-five. I got pregnant at thirty-three and delivered my son a few months after my thirty-fourth birthday. My pregnancy was easy. I was amazed that my body that always felt so broken was able to carry and deliver a child.

When my son was small I worried that his speech was delayed. I scoured the Internet for articles on speech delays and treatments. He reached all of his other milestones with such ease that I seemed stuck on the fact that he couldn’t seem to master this one. Since that time his language has exploded. In fact, he now speaks in longer sentences than any of his peers.

Lately I started to worry that we won’t have another child. It took us a year to conceive my son and many months have passed since we started trying for another. First I worried about whether or not it would happen and then I worried that even if it did happen the gap between my first and second would be larger than I ever expected.

On a walk to the playground I began to feel a bit overwhelmed with my worries. I looked deeply into the eyes of my son and forced myself to stop focusing on them. I realized two very important things. First, I am grateful for all that I have and am blessed beyond my wildest dreams. The world is filled with sob stories much bigger than my own. Second, when I started to reflect on all of my past worries I realized that everything worked out in the end.

In every instance I can ever remember things worked out just fine. I made friends, got good grades, found an amazing husband, healed, got pregnant and delivered the most amazing child. I don’t know if we will have another child or not, but I certainly need to focus more on my blessings and less on those things that I cannot control anyway.

July 2, 2014 at 1:42 PM 2 comments

If You Cannot Save Enough Money for the Life You Want to Live Isn’t it Time to Redraw the Plans?

Castle

In case you haven’t noticed I’m the kind of girl who likes to save money. I met an extremely intelligent guy with a similar tendency. We are the type of people who envision large goals for ourselves and then dig our heels in the sand in order to achieve them.

Our lives are not difficult. I’ve had my fair share of strange medical problems, but in the big scheme of life my illnesses pale in comparison to the struggles of many others. We’ve both held high paying jobs and although we worked hard to increase our salaries and prove ourselves on the job we’ve have it really easy; neither of us have ever slathered tar on rooftops in the heat of summer. We dedicate long hours to our employers, but it is our own drive and determination that motivates us to work hard. In fact, we have no one to blame for that balls-to-the-walls mentality other than ourselves.

Although our success stems from a myriad of factors I believe that earning high incomes and learning to manage our money has had the greatest impact.

There are many paths people take in life. You can earn less money and manage it well or you can make a lot of money and manage it poorly. Either of these situations may lead you to the same place my husband and I have landed, but it is certainly easier to reach financial independence by understanding both aspects of the equation.

What boggles my mind more than anything is those people who earn high incomes but fail to save their money.  I’ve recently heard two stories that boggled my mind. The first was a man earning over $200,000 a year who did not have enough money in the bank to survive a three week furlough. The second was a married couple earning $200,000 a year who did not have $5000 set aside as a down payment for a new car.

As someone obsessed with personal finance I immediately want to know more. How much do they pay on their rent/mortgage, how large are their car payments, are they paying back school loans or medical bills? Where does ALL of that money go?

When I was growing up my father made a middle class salary and my mom stayed home to be with my brother and I until we were nine and twelve. During this time they drove old cars, lived in a small three bedroom house and didn’t complain about needing anything bigger. Despite earning high incomes my husband and I tend to live by a similar model.

In life you make many decisions and although we don’t think about it on a minute-by-minute basis we make decisions about money every single day.

Some decisions are rather small; doughnut here, a sandwich there. Others are slightly bigger; a new TV, a new video camera. Ultimately you make the whopper of all financial decisions, which typically consist of those big ticket items like cars, expensive vacations and a house.

Each time you spend money you lose the opportunity to spend it somewhere else. Although you can earn more money, you will never regain the dollar you just spent.  If you want to spend your money on thousands of little things then you cannot lump it together to buy something larger.

The $200,000 couple cannot afford an SUV because they are choosing to spend their income in other ways. In and of itself that decision is perfectly fine. They can choose to spend their money any way they want, but they cannot cry woah-is-me because they want a larger vehicle they cannot afford.

The same goes for any other big ticket item including a house. Don’t spend your days looking for five bedroom houses in the nicest neighborhoods with the highest rated schools. If you want to move into a larger home than create a new house fund and put every dollar you can spare towards that new goal. If you cannot save a lot of money, then stay where you currently live, buy a smaller home or buy a larger house further away from the city where housing is cheaper.

I believe your wallet should keep pace with your lifestyle. If you cannot save enough money for the life you want to live isn’t it time to redraw the plans?

May 22, 2014 at 4:09 PM Leave a comment

Random Tidbits

Thoughts…

Sunshine

    1. The medical bills finally started rolling in. It is remarkable how much providers charge and how little insurance companies are willing to pay. The most outlandish bill was for lab work. The total: $1,570! The allowed charges knocked that bill all the way down to $57.01. Pretty remarkable! With all the bills in hand I now know that I owe roughly $2,000 more than I already paid, but I have reached my $2,600 deductible for the year, which means I shouldn’t owe much more from this point forward.
    2. The good news is that I feel 90% better than I did in February. The $1500 I spent on alternative treatments really paid off and my symptoms are almost non-existent.
    3. With the medical all clear we started trying again for baby #2. It took nearly a year to get pregnant with baby #1. I thought it would be easier this time around, but unfortunately I haven’t had any luck so far. I keep trying to remind myself that baby #1 was worth the wait, but some days that is easier said then done. I’d like to write more about my journey to motherhood, but I keep finding myself struggling to push the publish button on posts I write.
    4. There are a lot of babies coming into the world this spring and I have been on the lookout for baby bargains since late January. I scoured the clearance sections of a number of stores and managed to buy a mountain of gifts for friends and family who have or will soon be delivering. I plan to post pictures of the loot, but I need to wait just a little bit longer since some gifts have yet to be opened.
    5. In lighter financial and emotional news I bought 10 pairs of pajamas for my son from Old Navy. He finally transitioned out of footed pajamas and I had absolutely nothing else for him to wear. On my first trip to the store the prices were hovering between $5 and $6, so I bought just a few to make sure they fit well. They were perfect, so I returned a few days later to buy more. The second time around prices ranged from $0.97 to $2.67 so I snagged one of every design in his size and five more in the next size up. I had a $5 coupon from a previous visit and spent less than $2 per pair. I asked the clerk to price check a few items and I just noticed today that I was charged for something I didn’t buy. Ugh. I’ve never had this happen before but I suppose I’ll return to the store in the hopes of receiving a refund.
    6. That same day I tried to fill my car with gas at Shell and found after pumping that my reward points weren’t used to save 50 cents per gallon. The display mentioned a 50 cent savings, but after pumping the receipt showed the full price per gallon. I don’t think there is anything I can do about this one.
    7. I earned $2500 so far this year from online endeavors including reward programs, giveaways, advertising and surveys. I plan to sell a bunch of stuff on eBay in the next few weeks, which should give my PayPal account a slight boost. My advertising revenue has dropped dramatically as I haven’t posted much since I got sick in February.

I know I have other topics to write about, but it’s time to pack up the house and get ready for the beach, so I suppose that’s all I have to say for now. Everything is better at the beach and I cannot wait to get down there.

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May 15, 2014 at 5:10 PM 1 comment

I’m Still Here

My postings have been quite sporadic over these past two months. I seem to fill my week with an assortment of activities which either involve entertainment for my son in the form of trips to the playground and toddler classes or trips to medical professionals to help me with my newly diagnosed neuropathy.

I am grateful to all of my long time readers who left comments and sent emails about my illness. I was in a very dark place two months ago and your words lifted my spirits more than you could ever imagine. One evening my husband came up to check on me and I collapsed into a puddle of tears. I cursed my body, I cursed my health, my bad medical luck and mumbled more obscenities then I had spoken in years.

I’ve had my fair share of medical problems in the past and I was unprepared for the toil of emotions that washed over me when I was diagnosed with this new problem.

For a long time I viewed my body as broken. When I became pregnant with my son I found a renewed sense of self. A belief that my body was capable of more than I had ever given it credit for. I was one of those women who loved being pregnant. Sure I had aches and pains and other issues, but I was amazed that a child was growing within me. I walked around the house naked and stared at my reflection in the mirror.

Two and a half years after my son’s birth I remained in good health. The aches and pains that bothered me for years were gone. When I was unexpectedly hit with neuropathy as a result of antibiotics I felt robbed. Robbed of the joy I felt chasing my son around the playground. Robbed of the pain free life I had lived for the past five years. As a result I cursed God and everything else around me.

Oh sure I tried to count my blessings. I listed the things that were wonderful about my life and even listed the things that could be so much worse, but all in all I still felt horribly depressed.

My hands and feet burned like someone placed them on the stove burners, electric shocks ran through them and my legs felt like they were being crushed in a vice. It was pain like I had never experienced before and certainly not in so many places in my body at once.

Thankfully my symptoms have improved. Though my feet are still painful my hands seem to have improved. The burning and shock like sensations have decreased on disappeared almost entirely. My feet still ache but the pain is tolerable though unpleasant.

I did not take the drug prescribed to me by my neurologist. I did take the B vitamins he prescribed along with a host of other more natural solutions like acupuncture and massage. My acupuncturist believes my condition will continue to improve though she is uncertain if I will ever be fully cured.

During this time I have continued to live my life. I’ve had a few major breakdowns at night, but every morning I wake up renewed. I continue to take my son on adventures and move through life as though my legs and feet don’t bother me. Distraction may be the best medicine as when I’m excited and happy my pain dissipates ever so slightly.

I do believe everything happens for a reason and although I cannot imagine what lesson I am supposed to learn from this course of events I am doing my best to reflect on my life and the things that are important to me. My husband has asked me to focus on my mental well being. He bought me a journal and asked me to meditate. It is in those quiet moments of reflection that I feel truly grateful for all that I have and remind myself that my life is truly amazing.

April 5, 2014 at 6:03 PM 3 comments

Two Quotes for Very Gloomy Days

Years ago a friend bought me two refrigerator magnets. These days my fridge is overloaded with photos of my son playing and laughing, but right on the front amidst those images are two beautiful quotes that keep me moving on dark, gloomy days.

The first reads:

for a long time it seemed to me that life was about to begin – real life. but there was always some obstacle in the way, something to be gotten through first, some unfinished business, time still to be served, a debt to be paid, at last it dawned on me that these obstacles were my life, this perspective has helped me to see there is no way to happiness. happiness is the way, so treasure every moment you have and remember that time waits for no one. happiness is a journey. – souza

The second reads:

what lies behind us and what lies before us are small matters compared to what lies within us

My friend who gave me those magnets recently said, “you are so strong overall that I believe you can overcome anything.” I would like to believe that is true. I know that healing can occur when you believe it is possible. I keep reminding myself that this too shall pass. At least I hope it will.

March 11, 2014 at 8:53 PM 4 comments

Hope

ground

There have been a few occasions when I have nearly given up hope. When I have cried more tears than I believed my body could produce. In those most desperate hours my aches, (both emotional and physical), have always managed to heal. This time will be no different.

 

March 1, 2014 at 5:55 PM 4 comments

Odds, Ends and Random Thoughts for the Week

A few thoughts…

sunshine

  • My son has been sick for the past week, which means my little boy who never watches television is sitting in front of it for hours on end. Just as he started to feel better he passed the bug on to me. I tried all sorts of quiet games this morning, but none seemed to keep him happy, so I’m afraid to say the TV is back on. I’m a little worried that we’ll need to break this habit once we all feel better.
  • We wrote two very large checks to cover estimated taxes this week. It just so happens that the stock market also took a bite of our savings. Needless to say logging in to our bank account is not making me happy.
  • My husband gave me an excellent idea for a book. I’ve always wanted to write one.
  • According to the calculations in my handy-dandy spreadsheet our mortgage could be paid off in as little as five years or as many as eight. Eight years doesn’t seem like a lot, but for my husband’s sake, (he’s the one working), I’d really like to be finished in five. Well, honestly, I wish we were already done with it. My original plan was to be finished by thirty-five. Looks like I’ll be somewhere between forty-one and forty-four.
  • My blog was inaccessible for a short time yesterday, (reason still unknown), and I went into a tizzy. I didn’t realize how attached I am to this site. I’ve been writing since March of 2006 and couldn’t bear the thought of losing it. Even if I never blogged again I’d like to know I could go back and read through everything I wrote. Luckily my husband assured me he is backing up my data.
  • I feel like it’s been cold, rainy or snowy most of the last few weeks and I really need to spend more time outdoors. Bring out the sun!

In other news today is the last day to enter my Amazon $100 giveaway. If you haven’t left a comment already you’ll need to click over to that post before midnight EST.

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February 5, 2014 at 12:56 PM 1 comment

Smiling More Often

Smile

Just before closing the book on 2013 I set a goal for the new year. I suppose I could call it a resolution, but I really prefer to think of it less as an end state and more as a new state of mind.  It’s a remarkably simple idea: my goal is to smile more often.

Whenever I greet a cashier, UPS driver, mailman, librarian, random strangers on the street, an old man at the grocery store, etc. I think happy thoughts and then flash a smile.

For the record I told myself I did not have to smile if I was not in the mood. My goal is not to pretend to be happy, but rather to feel genuinely happy in moments when I otherwise would have felt grumpy or agitated.

Some days are easy. On those days I probably went to bed at a reasonable hour. I squeezed in five minutes of meditation before getting out of bed. I had enough time to take a ten minute shower rather than a five minute one and I actually remembered to apply deodorant before stepping out the door. The sun is shining, my son is in a particularly happy mood and our breakfast was both nutritious and delicious.

Other days are much more difficult. I didn’t manage to eat before leaving the house, which means I am starving, my son is tired and cannot be bribed with cheese crackers and peanut butter sandwiches, as I bag pears from the produce section they break through the bottom of the thin plastic and roll all over the grocery store floor, the line at the checkout lane appears to be taking forever, the toddler in line in front of me is screaming as if someone is trying to kill him, the people behind me keep jamming their shopping cart into my legs and somehow my plan to stop in for a gallon of milk turned into $100 worth of groceries.

Normally I would stand in line and shift my weight from side-to-side. I would feel agitated and angry that a five minute trip to the grocery store turned into a forty-five minute ordeal. I would think about all of the places I’d rather be and all of the things I’d rather be doing, but with the new goal in mind I pause and smile.

Rather than feeling grumpy I reflect on all of the happiness and good in my life. I am thankful that my body is capable of squatting on hands and knees to dig pears out of every nook and cranny they have rolled into. I am thankful that my toddler is not the one screaming at the top of his lungs. I am thankful that my hunger pains will soon be healed and that the people behind me switched lanes when they noticed how slow my line was moving. Lastly I am thankful that I have the money to pay for the groceries I am about to buy.

This thought process takes mere seconds and when I look up from the conveyor belt I happily greet the cashier. And yes I smile.

Since I started smiling more often I have found the world to be a much kinder and gentler place. The people I meet when I am out and about seem to sigh in relief when I reach the counter. I’ve heard “it’s such a pleasure to wait on people that are happy,” “if only all of my customers were as understanding and patient” and my favorite “I can tell by looking at you that you have a good outlook on life.”

I will not pretend that I am happy all of the time, but thinking about the positive aspects of life have certainly made me feel more grateful and joyful.

Oddly enough I do find it more difficult to be happy at home. Often it is when I am completely alone that I find myself dwelling on the negative. Maybe I should look at my reflection in the mirror and smile. Perhaps it is the very nature of smiling that makes me happy, knowing that someone will see my toothy grin and reflexively return the favor.

 

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January 20, 2014 at 8:51 PM Leave a comment

A Little of This. A Little of That.

This week’s brain dump:

Thoughts

  1. A couple of friends are trying to convince me to sign my son up for Kindermusik. In theory a music class where kids dance, sing and interact with one another sounds splendid, but that $250 price tag., not so much. If you have an opinion on this topic PLEASE leave me a comment below.
  2. Three friends/family members are expecting babies in the spring. As a result I’ve spent more time in the mall over the last three days then I probably have in the last three to six months. I really want to blog about my incredible baby bargains, but I need to wait until all of the gifts have been handed out.
  3. The first two babies are receiving gifts just because I love their moms and dads. The gifts will be dropped off and mailed. The third set of gifts will be carried to a baby shower for a member of the family. I feel obligated to spend a specific dollar amount, (I know others will be keeping tabs of how much I spent), though to be honest I’m not sure just how much I should spend.
  4. I’ve taken over record keeping for my husband and now journal all three of our credit cards each month. It doesn’t take much time to write everything down, but I do NOT enjoy the task. Every time I pull out my credit card I find myself thinking, “ugh, this is another transaction I need to journal.” I wonder if this will help me spend less money over the long haul.
  5. I decided to upgrade our plane seats after all. I burned through a $100 Visa gift card in a matter of days this week. Granted I was buying a lot of gifts, but I was still shocked when the clerk told me the balance on my card was $0. If I can spend money so easily on other things I can certainly blow an extra $5 a seat on the hope of two extra inches of legroom and a seat at the front of the plane. I have enough aches and pains in my neck and back that the mere thought of extra legroom swayed me to make the decision.
  6. After spending $100 in a matter of days I considered going on an all cash adventure. It’s difficult to keep tabs of my spending with a credit card. Perhaps I should take $100 out of the ATM and see just how long I can make it last. I prefer to use plastic, which provides cash back rewards, but it would be an interesting experiment. Have you ever tried this?

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January 14, 2014 at 4:17 PM 3 comments

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