Welp, I’m officially out of money, at least til the end of the year. The amount transferred from savings to supplement Social Security and teaching income enough to keep me afloat through 2014 is gone…and we have almost two months to go.
{sigh}
This is all incident to the endless health-care flap, which arose last June and has not quit and probably literally will have no end. When I realized I was going to be undergoing surgery — even before I understood that meant “surgery after surgery after surgery after…” — I also realized that with half my chest ripped up I would not be brushing down pool walls, mopping floors, scouring sinks, scrubbing toilets, oiling furniture, deconstructing and cleaning the gas stove, dusting light fixtures & blinds, and polishing mirrors & windows. So I hired a pool guy and a cleaning lady. That added $240 to the monthly tab.
Then there was having the plumber come and fix up the shower in the front bathroom, where the tub has an easy-to-clean 1970s plastic tub & shower surround. The house’s master-bedroom shower was beautifully renovated by the idiot previous owner, whose parting shot (literally!) was, “Oh, and this travertine has to be stripped and resealed every six months.” Huh-uhhhh…. Between that and the fact that the damn clear glass showers have to be polished dry and the damn travertine has to be wiped dry from ceiling to floor every time you shower, I never use that thing — I’d been using the tub in the front bathroom and taking actual baths, except in the summer when I could shampoo outdoors in the hose after swimming. Since I’m not allowed to get the incision underwater for three weeks after each surgery, that means I couldn’t bathe…all summer long and into the fall. I still can’t get the boob seriously wet. So…I’m glad I had the plumber install a functional showerhead in the outmoded but radically convenient front tub, but still…it did cost something.
So it has gone since last June: one unplanned expense after another.
The car also racked up several hundred bucks worth of bills. It now needs its brake drums replaced: $500.
So, financially I’m back where I was when the university laid me and my underlings off. Except that the stock market hasn’t tanked. Yet.
I probably should buy a new car now, before the Republicans do a repeat performance of their excellent financial leadership under Bush. Presumably within another eight to twelve years my shirt will be tattered again, and so it might be good to have a decent vehicle in the garage. One that the dogs & I can live in… 😉
And speaking of tattered, the diet is getting that way, too. The accursed surgery, which you would think would debilitate one and cause weight loss, had exactly the opposite effect: it’s made me gain weight!
Shee-ut!
I think that happened because I was forbidden to swim, and swimming formed a major part of the exercise program. Now it’s too cold to get in the pool — not that I’m allowed to do so anyway, but within a week or two in theory I will be. Assuming we decide not to lob off the guilty boob, in which case it will be yet another month or two before I can take a real bath or indulge in any vigorous exercise.
After dieting and walking four miles a day this week, the result has been another pound gained!
I’m now about five pounds above the desired weight. Figured that two pounds off a week would restore the coveted sylph-like figure in a month or less. But that just doesn’t seem to be happening. And I don’t know why. None of the strategies I used to drop those 30 pounds a year or two ago are working anymore!
So, what to do?
Well, first I’m going to have to re-institute the stringent budget. This means cranking out those accursed Excel spreadsheets and tracking every. single. expenditure as it occurs. And staying out of Costco. And staying out of AJ’s and Whole Foods.
Haven’t bought any clothes since the current fiasco started, since I have no idea what will fit on top and no way of knowing until I could see the final result of whatever they end up doing to me. Now even if we decide to keep what remains of the boob intact, I still won’t be able to buy any much-needed shirts — the old ones are wearing out. And if the boob comes off, I’ll just have to figure out how to cope with the old cleavage-displaying shirts and crocheted tops.
The dogs will have to not get sick or hurt. If they do, they’ll just have to suffer through it.
No more eating out. No more concerts. No more anything that costs any sort of extra money.
No Christmas present for my son. Nor will I be able to entertain over the holidays. Which probably doesn’t matter, because I’ve got to stop eating, anyway.
Assuming no more extraordinary expenses arise, I’ll need about $2,000 to make it to the end of the year — not counting the $500 for the car. Enough to repair the car does reside in a short-term emergency savings fund, so it won’t have to be drawn down, taxably, from retirement savings. But two grand to cover living expenses? Not good.
Between now and mid-December, I should extract about $1500 from the community college district, with both classes in full swing.
That’s going to leave me $500 short. In two months, if I pinch every penny in a vise, lay off the pool guy, lay off the yard guy, and cut back the cleaning lady, I might manage to make that up.
Merry Christmas!