Showing posts with label finances. Show all posts
Showing posts with label finances. Show all posts

Monday, March 30, 2026

First time for everything, and how I'm saving money now that it looks like this financial situation is permanent

About a year ago, our local library was hiring a part-time library aide. I applied, the process took months, and I never even got an interview, even though several people acted like I was going to.

Unfortunately, that employee did not work out and got fired just before the holidays. 

I'd learned that he apparently had gotten the job because he was able to do tech support and explain computer stuff to the library patrons. Knowing that, I brushed up my resume to include a WAY BACK job from more than 25 years ago where I... provided tech support to casinos and other clients in Las Vegas.

This time, at least, I got an interview. I hadn't heard anything when we left on vacation (two months after I'd applied, and several weeks after my interview), but when we got back, I saw a social media post and knew immediately that someone had been hired.

I feel like this person is a better fit, but I'm kind of bummed because we could have used the money, part time as it was. Plus, I could walk to work. I am not ready to get a job where I'd need to 1) buy a car and 2) leave Mal in a town alone. 1431 closes down too often, and I am not ready to make an 11-year-old responsible for navigating a forest fire or no electricity when it's 100 degrees out.

Incidentally, I might never have had this worry but in 2021 when we had a bad freeze, there was a guy from across the highway who ran into Cedar Park to check on his jewelry storefront and by the time he tried to get back home, the road was closed and troopers would not let him through, even though he explained that his 10-year-old was home alone. Our electricity went out and the roads were impassable for days. I have no idea how that turned out but I would like to avoid that situation.

So, the "first time for everything": I have gotten every job I have ever really wanted. I have even been told no, they weren't going to go with me and then came back to them with something my dad (an HR specialist) mentioned they did wrong in the interview and rather than deal with a lawsuit, they did end up hiring me. They also tried to frame me for theft, but I outsmarted them (on accident, which I guess isn't "smart" per se but just fortunate that I was as pragmatic as I was and didn't use or take home the key they gave me one day because I never needed it).

For an overachiever like me, a job rejection hurts. I can't imagine the dozens of times James went through it over the past two years. Ugh.

NOW. 

I've been poor before, and while we're not in crisis yet, I want to avoid that. Our expenses outpace what James makes by quite a bit. So here are some things I'm scaling back on that I've done before when money wasn't plentiful:

1) We're back to Supercuts or Great Clips. I'm very lucky that my hair got wavy because it's easier to cut and style now! So it's $25 cuts instead of $60-80 cuts for me. James never gets his hair (except that time I had a mystery shop specifically for a man's salon where they do face massages and stuff; it was cool!) and D pays their own stylist, so it's just Mal and me, and we both get our hair trimmed about every 9 months. 

2) No more boutique food splurges. Piroshky Piroshky is a fabulous bakery out of Seattle. They travel down to Austin once a year or so, and we used to order $100ish worth of items from them to enjoy for a week or so. No more. Same thing with Doughees (which seems to be closed, anyway, but from which I used to order once or twice a year), Fat and Weird Cookies, and any food subscription period. Instead, I try recipes I find online and have recently made conchas for the first time, and a big old cookie with chocolate chunks and caramel chunks. I'm thinking about making an Easter basket cake for Easter. We're not buying expensive treats anymore.

3) I'm not getting energy drinks, even as a splurge. They're $1-2 per can (more usually, but I only got them on sale even when I was buying them). Instead, I get Great Value Energy Drink Mix, which is just under $.20 per serving. What's crazy is that Celsius sells a powdered drink mix but it's still over $1 per serving! Stop!

4) I would grab take-out for the whole family once a week or so, and I have just stopped doing that. Maybe once a month now? But usually, I'm just cooking... unless Domino's has half price pizza and then only Mal and I are usually at all excited about that. With James and D often working full days, I'm having to do lunches, too. D would just suffer without at-work calories, but James works near a bunch of food options, so we're trying to prevent temptation (it helps that his lunch is only half an hour and honestly, it's hit or miss whether you can get a full meal from Whataburger in that time frame).

5) We're definitely cutting back on our trips now that we're back from Mexico. We can't make up the $20k a year I'd have made if I'd gotten the library job, but we can recover a chunk of it by reining this in for a while. I'll be on the lookout for sales and deals, of course. But we'll be staying closer to home for a bit.

One good thing in that regard is that one of Mal's friends moved into our neighborhood earlier this year, and they're having a great time running around being big kids. Yesterday, they'd gone on a walk and when they came back, I was surprised to see a third friend with them... she lives on the other side of the lake, and I was very confused about how she'd joined them, but apparently her parents had driven her over. Having home and the 'hood be a social outlet makes staying home even more appealing.

6) I stopped taking Minoxidil a few months ago. I'd started it when I was losing a LOT of hair, I thought because of perimenopause? I was just going to take it until I'd gotten through to menopause. But what I realized is that I was probably losing hair because of hyperparathyroidism, which I don't have anymore, thanks to surgery 2 years ago.

I went through this whole cycle of when I started taking it, my hair barely shedded! I started having baby hair, and that was a drama. Then after about a year, my hair started falling out at what I'd say was a "normal" rate, and I wondered about whether the meds were still working. I changed to a topical rather than a pill, and I was still losing some hair. So I decided that I could save $175 every 5 months by just stopping and see if maybe now that my hair is wavy, I could absorb some hair loss without it being so shocking. 

I had what I think was an extinction burst where I lost A LOT of hair but now it's stabilized and it's fine. Plus, I've had a lot of talks with myself about how I got to a place of body neutrality where I don't feel like I need to do anything about my weight. I don't wear much makeup (saw a video of me from a few years ago yesterday and it seemed weird that I had eye shadow on!). I dress how I want to. So why was I so caught up in the hair loss, which is also a normal part of aging? I guess I'm just a hypocrite.


Ha ha. Here's a picture of money. I posted it because I was trying to think of something to go with this theme, which is... money. And also, last night Mal was showing James something on his iPad and accidentally dropped it on his face, knocking a baby tooth loose that wasn't ready to come out before. But it's probably going to happen pretty soon! He's currently trying to save money to buy a $80-ish LEGO Star Wars set. This is another change; he's going to have to save up for it on his own because he has so many LEGOs already and we just can't chip in this time. Wish him luck!

Wednesday, August 13, 2025

Year-later endocrinologist follow-up, with bonus gynecology content!

I met with my endocrinologist today for the first time since my surgery. She told me that I needed to get a neck ultrasound ASAP, as I really should have gotten one pretty soon after the surgery. I wish I'd known because I had insurance until the end of August 2024! Now I'm applying for the Travis County Medical Access Program.


Also, the doctor mentioned that the medication I'm taking is actually lower than my weight would dictate I need, so she's wondering if that means part of my thyroid was left. I definitely hope not, because that would mean another surgery. I know there was a lot of inflammation, and I know guts look a lot alike so I suppose that anything is possible.


This wasn't a lot of fun when I had insurance, but I wasn't worried about the finances at all. If I have to do it again, it's going to suck, but it will suck a lot more than it did when I didn't have to stress over every penny (or tens of thousands of dollars).


To review, here's what I had done: Neck ultrasounds (one in an imaging place, two at my endocrinologist's office, and one in the surgeon's office), two sets of biopsies, a DEXA scan for bone loss, multiple labs measuring PTH and Vitamin D, a 24-hour urine test (the worst part of the experience by a wide margin), a nuclear scan (two+ hour procedure), a pre-op visit with the surgeon, the surgery and overnight in a surgical hospital, post-op with surgeon, more labs, and now prescription forever.  


Also, my regular doctor wants me to see a gynecologist because of some menopause stuff that isn't like "I feel weird" but like "that shouldn't happen and you need to get it looked at." And actually, I feel fine. It's hard to worry much when you don't feel off, but that's how it was with my hyperparathyroidism and Hashimoto's, so I know my body likes to hide dysfunction from my feelers.


I'm hoping if we get approved for the MAP, then I can stop obsessing over find the cheapest care for each specialty.


I hate healthcare being tied to a job.


My friend Adrienne told me that she doesn't care if I have to go into medical debt to take care of myself, so if that happens I'm just putting all of my medical providers on notice that Adrienne in Las Vegas (kind of) assured me it would be JUST FINE. You'll get $200 a month for the rest of my life, so I guess you'd better do a good job to make sure that I'm going to be around to pay it for a long time.


When you see it visualized like this, it seems like it wouldn't be any big deal to get the thyroid out! But also... that she removed the thyroid but kept 3 of my parathyroid glands in there is pretty unbelievable.


Thursday, November 11, 2021

Building Our Dream (?) House?

I might have mentioned, we almost moved back in May. It didn't work out (the real estate market is cooling off but still pretty cut-throat), and since then, we had the water heater bust a pipe (again), and we had to do a bunch of remediation and repair. Then James decided we needed to move the pigeon/chicken loft/tool shed, because we realized it's probably on the corner of our leach field. This weekend, Luke actually pointed out to us that the leach field has a leak (not at the shed; elsewhere). And Sunday night, we had to call our a/c guys for a recurring problem we have with our a/c drain clogging. 

Note: I started this blog post on October 13. Since then, our heat pump has malfunctioned and fortunately the company we use came out and didn't charge us. But also, we've realized that water is STILL getting into our house in the master bedroom. James pulled out the molded baseboards and drywall, and we pulled back the carpet and pad (again) to dry out the subfloor. We fixed a roof thing, tested it, and it seemed okay. But there was STILL WATER GETTING INTO THE HOUSE. We later realized there was a crack in the masonry, and maybe that was it? While James was fixing that, Laura noticed that our non-functional outdoor shower (only has hot water, so is scalding after a few moments) was kind of moldy around the handle. Got a plumber out to look at it and they closed off the valves, one of which (hot, of course) was dripping... for who knows how long. THEN we got a leak detection company out today, and they actually capped the lines to the shower just to be extra safe, and they could not make any more water come into the floor. For good measure, they caulked around the shower trim we had installed five months ago. I'm still nervous. I'll be un-nervous after a month has passed and we've had a good rain and there is no more water getting into the house.

Moving on...

This kind of thing makes me think we should rent.

We talked about it: selling our house and moving to a rental. The problem is that if you rent from a private owner, they're liable to sell the house out from under you. And if you live in an apartment... well, James's options for a workshop are pretty bleak.

So, we had our back lot surveyed, and spent the past month working through a "program" from an architect James found and really liked. We've sent the program in, and he's going to ponder it for a while and get started on some drawings. We know we want to build with eco-friendly materials like cob or straw bale or earth bags. We know we want the house to be whimsical and modest. We know we don't want to be paying property tax on three lots anymore, too.

James is thinking about re-platting our lots so that we take the part of the second lot our yard is on and make it part of the lot where we're planning to build, mostly to assure that we have lots of trees and no one decides to buy this house on the two lots, move the fence in, clear the second lot, and built another house right up on us.

So, hang on to your butts... we'll see how this goes!

Tuesday, April 2, 2019

April is Upon Us

Hey, guys, what's up?

Today's been kind of a slow one for us. Mal had the MMR vaccination last week and it hit him hard yesterday afternoon and today.

Mal wanted to go to Chuck E. Cheese yesterday, and he burst into tears right before we got there because he saw Dave and Buster's and decided he wanted to go there instead (alas, D&B didn't send me a coupon, and CEC did, so...). Mal ended up having fun, but abruptly announced, "I'm tired of playing games. I want to go home and watch TV and drink soda."

Exhausted kid.
Last night, he did get out and play at the park. But he was ready to go to sleep around 10 PM, which is about an hour earlier than usual. This morning, he woke up an hour earlier than usual, very chatty, then went back to sleep and woke up 45 minutes later. I made him cinnamon toast, which he was in the middle of eating when he just laid down on the floor and konked out.


When he awoke a couple of hours later, he was still pretty listless.


He hadn't eaten any breakfast, and later asked to go to Sonic to get a vanilla shake. He said, "We won't get out. Just bring it home." Because he didn't feel like getting dressed.


Waiting for the shake.
He came home and sat at the table for a few minutes, but didn't really eat the fries he'd requested.



He quickly went back to lie down and chill.


Basically, this has been our day. I thought this might happen, because D became extremely ill for two weeks after getting this particular immunization. Until yesterday, he showed no signs of sickness, which was a relief; D's was instant and lasted a week before a rash broke out torso-wide for the next painful and miserable week.

We were supposed to meet a new friend today, but will get together later in the week. I'm trusting he'll be 100% by tomorrow.

In other news, I am on pins and needles waiting for the tax appraisals to go out for this year. We had been paying extra on our mortgage, trying to knock it out earlier, but are stopping that because, honestly, we're not going to live here in 20 years. When the kids move out, we will sell; it's too much house and land. And it seems likely that extra we were paying will be necessary for tax stuff eventually, anyway. There are so many houses going up in this neighborhood, and they're all priced a lot higher than I would have believed; it's almost like Austin, but a few years ago.

We've had the pigeons now for six weeks... well, we've had two of them for six weeks. After we'd had them three weeks, I let a couple of them out to explore, and they did. Sigh. D's handled it extremely well, and we're getting to "squeakers" from the same gentleman who gave us the first four birds. The two that stayed here (I opened the flight deck for them all, but they weren't interested) are Riddick and Cinnamon. Here's hoping those dudes are friendly enough to the youngsters.

And then there were two.
The birds we're getting are so young that we won't know the sex until later. They just left the nest last week and should be weaned some time later this week. Squee! And no flying for them. I've learned a lot since the unfortunate incident, and have a better plan for letting our feathered friends soar... it's just going to take a while. Like maybe the better part of a year.


That's it for now. Thanks for tuning in! Chat again soon!

Wednesday, January 17, 2018

Ch-ch-ch-changes

This is going to come as a shock to you, but I recently made a big switch-up in my life: I learned that eMeals now has a Paula Deen menu and switched from 30-Minute meals to that for a while. I know, I know: How are we going to make that work with James's gout? I'm not sure we can! So maybe I'll just save a few weeks' worth of menus while using these vegetarian meal plans I found and that we are using this week. Note that if you choose to do it, you can start at the bottom, like I did, so it will be seasonally appropriate. Also that there is a shopping list at the end of the menu; I realized that after I'd hand-written my shopping list like a Neanderthal.

Okay, so that's not the only thing. Though I'm a little offended by your lack of enthusiasm.

Also, the Lakeline Disney Store closed Monday, so I'm not sure what we're going to do when Mal wants to spend hours browsing toys now (and, yes, I realize that's probably why they closed). I wish this area had a cool local toy store, but I haven't found any closer than a 30-minute drive.

Waiting for the store to open the last day; watching the animated window for the last time.
A serendipitous thing happened this weekend, too: a woman in a local homeschool group posted that their church needed childcare help for MOPS. They're too far away, but I thought that'd be perfect for Mal and me: a place to go with new toys, friends to play with, and I would actually pull in a couple of bucks in the meantime. I found the closest church with a MOPS program and it turns out that they actually have something at the same time every week (instead of every other week) and they were pretty desperate for people, so we started this week!

Where James used to work, the employees could purchase company stock at a slightly-discounted price. They'd withhold from each check, saving it up for 6 months, then buy the stock. Even if we sold it immediately (we didn't), we'd have been ahead because of the discount. Two things: That has saved our family butt, as it were, during this season of unemployment. But also... James didn't receive the money that had been collected from the couple of months before he stopped working for this company, so we were waiting for the stocks to show up at the end of the year. They didn't. James ended up having to contact them, and they're cutting him a check. This seems shady to me. They're legally obligated to return all monies owed to employees in 48 hours, and no one should have to follow up to make sure they got ALL of it. Oh well. It'll be nice to have a little cash infusion in a couple of weeks.

James has received a job offer, and should start work toward the end of the month. So yay! Mal will be terribly disappointed that his dad isn't here during the day, though. Maybe the weather will warm up so they can have a special day together. I say this because I think it'd be cool for them to spend a lot of time bonding, not because I want a day to myself. No. That's not it at all.

Speaking of that, though... The night before last, I'm pretty sure Mal slept through until 6 AM before asking for "deedees." And last night, he sat straight up in bed, crying and whining, and let me lie him back down and cover him up without nursing. Baby steps, I guess.

Mal has been watching portions of Star Wars for months now. He usually only watches certain parts of certain movies, so I have those parts memorized, then really don't remember much about the rest. For instance, his favorite scene in "A New Hope" is where the Sand Person (Tusken Raider) attacks Luke. He'll literally back that up and watch it 15 times in a row. But he'll watch that movie until just after the scene at the Cantina, then he's about done. I think he's only seen the Death Star blow up once, because we made it a point to fast forward it to that little chunk for him to watch.

With "Empire Strikes Back," he'll watch more of it, but his favorite is Hoth. He's watched the Hoth segments of the movie repeatedly, mostly when Luke escapes the Wampa and when they take down the AT-ATs. When we play these scenes out, he gets frustrated that we don't know the exact words. He also thinks "Seagulls" is canon, because, you know, he's 3.

For "Return of the Jedi," he watches until the gang escapes Jabba the Hutt, then he's sort of done. He likes where Wicket meets Leia, and because he has an Endor Micro Machines set, really wants to see the logs take down the AT-STs. That's about it.

And he's watched the opening scene of "Phantom Menace" several times, losing interest after the arrival at Thede. Then he has kind of played around with the other two prequels, but he doesn't know anyone but Amadala and Jar Jar, so he doesn't really care.

Actually, Mal wants to play AT-AT take-down right now, so I must go rope him until he falls. Isn't being a mother fun?