Thursday, February 21, 2013

First it Rains





... then it pours, but not with dollars and cents, like we need it to.

I really wish money grew on trees- especially at the moment.

So far this month we've paid four and a half thousand dollars in bills. A $1500 obstetric free, $1500 for new tyres that were long over dude and a similar amount for our home insurance.

That left us with pretty much nothing for pretty much everything else. It was okay though, there was meat in the freezer, eggs from the chooks, veg in the garden and fuel in the tanks. We could scrimp, we've done it before.

That was until Tuesday when I was driving to my parents place* and somehow popped a brand new $400 tyre.

Naturally, I cried all day.

Today, Dave called me on his way home from a meeting to tell me he'd just been booked and given a juicy $300 fine.

C'mon. Thats just over the top.

Don't even get me started on the bills we simply can't even THINK about paying.

GGGEEEZZZZZZZZ man. Such a BORING cycle.

Pay Day's next Wednesday- I guess we'll be living cheap next month too.

Tell me you live like this as well. Go on, tell me.

*on my way to my parents place I called them to find that mum had just fallen off her bike and broken her shoulder. She was at the hospital. My poor mumma now has a black eye, her aim in a sling and an appointment with the surgeon. When it rains....

68 comments:

  1. Yikes. It does always seem to do that though, doesn't it? There have been times here where we have sold off items we don't use to cover our bills. We are doing better now that we downsized to a smaller house with cheaper rent but for a while it was tough.

    Hope your mum is better soon.

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    1. Yes, the old 'sell something to pay for something else'! We do this too!

      xx

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  2. Please don't feel you're alone in this...it is pouring at our house too. Our stack of bills sits right next to me while I'm here on the computer and the same stack will be there a month from now. What can you do.....we scrimp every month. But I refuse to let it weigh on me. I hope you don't either, but it sure sounds like you had a rough day. We'll just lift each other up with posts like this. :)
    Sure hope your mom feels better soon!!
    xo Sarah

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  3. Oh honey I completely feel your pain! We were informed on the 30th of January that our landlord was refusing to renew our lease and we had to find some place else by the end of this month. Then my sister had to have a biopsy done because her Dr. thought she had melanoma and two days after that my uncle died unexpectedly. Its been a rough couple weeks...trying to find a new place that will accept a short term lease and getting all the money together to move in. Its all gonna come together somehow and I know it'll get better for you too! Keep your head up because the rains always bring greener pastures!

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    1. rains always bring greener pastures

      amen sister!

      xx

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  4. I'm afraid we wouldn't even have gotten through the first set of bills you had to deal with at the moment. Things aren't terrible but boy it would be nice if they would get just a little easier. I hope it picks up for you soon until then try to remember all the lovely positives like your great family and the beautiful babe on the way.
    Hope your mum recovers quickly.

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  5. We live like this too :/
    Car rego due, independent school fees x 2, orthodontist and dentist, medications, independent midwife fees, new carseat for baby due in 6 weeks and already 6 mouths to feed at present. Comes in fits and spurts here. Sometimes things are easier, sometimes super hard.

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  6. totally feeling your pain! baby on the way, two already at home, all the actual rain means less work for the hubster and i don't work, but the bills keep coming!

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  7. Yep!

    Only no home insurance or OB. We do it the really cheap way. ;)

    Car insurance/rego time always gives me the willies and I check and double check every purchase.
    But ya know what? God gives us what we need. Not always what we want but what we need. I've been blown away time and time again by random bits of money falling into our laps just when we needed it.

    Praying for your thrifty month. May it bring you closer to Him.

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    1. thanks Rin :)

      Car insurance is a KILLERRRRR!!!! But you have the perfect perspective- it REALLY is a growing time, a content in what really matters time... and a tinned baked beans for dinner time :)

      xx

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  8. You are not alone. We have been through the cycle of tough money times and am so happy to be out of it. We are very careful with our money now because you just never know about life sometimes. It's raining for you now, but it will be sunny again soon! :)

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  9. Well, if that makes you feel any better, when I was pregnant about a year ago, in the same month, our car broke (timing belt damaging the engine - the full engine was reconditioned) incurring a $5,000 fee, our home was burglared (we were insured of course, but it took 5 months to have most items remplaced/refunded and of course, nothing replaced family heirlooms and the trauma caused by a burglary can't be compensated) and I had to pay another immigration related fee of $3,500... As I said, I was pregnant, working full-time (I couldn't afford to go on leave until 24 hours before giving birth), and I wasn't entitled to any Medicare benefits or Baby Bonus/Paid Maternity Leave etc. And we're both on average/low salaries... So yes, I feel your pain, but don't worry, everything works itself out eventuallty. Nelly PS: We changed car since that incident, but the new one just broke: head gasket and radiator need to be changed. Here comes another $3,000 bill! In the meantime, I take my baby to and from day care on the train (in a carrier as daycare don't take in strollers) while my partner cycles to work every day (more than an hour each way)... We'd better laugh about it! :)

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    1. NOOOOOOOOOOOO. Nelly, wow man. thats HUGE. yes, yes, lets laugh about it! if you can, i can!

      xxxx

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  10. You know what? I hate money. Hate it. Hate talking about it, hate how there's never enough, hate the tension it causes. (Though I am a bit partial to spending it...) I reckon we should go back to a barter system. Take heart that you are not mindless spenders - you are wise with your money, good stewards, so there is no room for guilt or shouldn't-have-dones.

    "So do not worry, saying, 'What shall we eat? or 'What shall we drink?' or 'What shall we wear?' For... your heavenly Father knows that you need them. But seek first his kingdom and his righteousness and all these things will be given to you as well. Therefore do not worry about tomorrow, for tomorrow will worry about itself. Each day has enough trouble of its own." Matthew 6:31-34.

    Your Tuesday sounds like one of those ones with enough trouble of it's own! Take care, sweet lady. x

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    1. I love this Jess, totally hit the nail on its head:)

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    2. "So do not worry, saying, 'What shall we eat? or 'What shall we drink?' or 'What shall we wear?' For... your heavenly Father knows that you need them. But seek first his kingdom and his righteousness and all these things will be given to you as well. Therefore do not worry about tomorrow, for tomorrow will worry about itself. Each day has enough trouble of its own." Matthew 6:31-34.

      you're the best jess.

      big love xx

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  11. Em, sending hugs to you and your mum-I hope she recovers soon. If its any consolation you are NOT alone with this! We too are on one wage and lately it feels its been one bill after another and too many: 'what *cheap/affordable* meal are we having tonight?, hang in there, the rainbow will come soon:-) xxx lisa

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  12. oh em! your poor mum! you're so not alone.. it happens to us all but somehow, we always make it through to pay day - damn a monthly pay cycle!! I am sure Misty is right, and the sun will be shining on you all again very soon xx

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  13. You are not alone! We're currently digging ourselves out of some personal debt because in years gone by with those tough weeks/months everything has gone on credit ... lesson learned. Once the debt is paid off, things should be better, but right now it's TOUGH.

    I hope your mum is ok and recovers quickly, poor thing.

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  14. yep, this is us at the moment too. no money.

    hope your mumma gets better soon! xo

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  15. I am really sorry Em. You need to talk to Bex. She always amazes me the way she deals with this sort of caper. She had that sort of week a couple of weeks ago....even poo running through the kitchen due to tree root in pipes...and a million more Job experiences (and yes she got a ticket too)! Yes I know, we are all different and have faith for different things. Money wasn't my area either. In the midst of much turmoil I have always preferred that area to be all 'tied up' and sorted.

    I remember when we were young one of the elders at church said to us " I was young and now am old yet I have never seen the righteous forsaken or their children begging bread". Ps 37v25. At the time I could not conceive that to be true for me. My hole was dark. But it was the absolute truth. I am old...and have never been materially forsaken even when it looked like the cupboard was bare and no hope of any money coming in etc. Trust Em...hard to do...but God is faithful even we are faithless!!

    Trust me too. You will be glad in years to come that you experienced some hard times. I'm so glad life wasn't handed to us on a platter, even if we are getting some platter moments now. You go girl. You are so clever. You can make a fortune just by being you. How blessed is that!

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    1. thank you aunty. you are one wise, wise woman and I know your words are true because I know you walked it.

      Enjoy your platter moments. I have so much respect with how generous you are with them :)

      xxxooo

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  16. Yes we all do it, and all our big bills come straight after xmas, so it is very hard, I need to learn to budget better so we can do xmas, 3 birthdays, and bills without stress. One wage living is hard.

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  17. yup -- huge dental bills sent me into a bawling fest this week-- what a blessing to have such bounty in your food storage! I'm sending prayers your way for your mum!

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  18. Me too! I HATE money (or rather not having any). Sometimes we don't have enough for nappies and food and the bank phones me two hundred times a day because I'm overdrawn on my $10000 credit card bill. It just never ends! But we are happy and healthy (even if we are a bit stressed) and that's the main thing. That's what I keep telling myself anyway.

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    1. happy and healthy. yep, thats the main thing! Really, it really is.

      Like, really, it really, really is.

      I take some convincing too ;)

      xo em

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  19. so so so sorry. I so wish I had Bajillions of money so I could spread the love everywhere. Ugh.

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  20. yup, always the way it happens! why do you have to pay so much for an ob? that sucks :( x

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    1. yes, i wish my ob would work for me for free, but he has a waterfront property and a bmw to pay for, so you know, he just cant! ;)

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  21. Oh you know what, I'm so relieved reading this. We've had an horrendous few months with torrential rain in the not enough money department to come in and cover it. It's amazing how frugal you can become when its very necessary but its a draining cycle. I've always found that at times like this I always learn a huge lesson on patience, faith and I definitely talk to God a lot more!! Perhaps that's because I'm doing a lot of asking for help and peace?

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  22. Sounds very tough! We are in totally the same boat.

    My Husband's company just asked him to take a 30% pay cut for 3 months, 1 week before I finished work to go on maternity leave to have our third child. Bad timing huh. Means every penny (literally) needs to be watched and all luxuries and extras are out the window. THEN, we got a fine of $140 for littering. LITTERING! OMG. Insane. I never even knew you could get fined for littering. Singapore perhaps, but not in Melbourne!

    But, I have to say, it hasn't been all bad focussing on what we do have. Makes me realise we can live on less. It's just not as much fun. I hope there aren't anymore yukky bills around the corner for you! Kxxxx

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  23. We live like this too, never fear! I like to think it forces me to be creative :-)

    My husband and i have been eating bananas and brown rolls all week (while our little one eats all the good things still - it's important right?!) money sucks. especially these damned drought spells. and especially when you have kids.

    (and snap, my mum fell off her bike and broke her shoulder too last year. she's all mended now. mums are so tough :-)

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  24. Urgh, who'd be an adult? Hope your week brightens.

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  25. Oh I hear you! today I had a 'treatment plan' put together by a pediatric dentist for our middle child's required dental work... It'll cost $4500, and that's so he can chew and not be in pain. And yes we brush his teeth twice daily :( Let me know when you find the money tree!!

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  26. LIght and love ... and sh*tloads of cash... on their way now. ♥♥♥

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  27. First off so sorry to hear about your mother!
    I hope she is on the mend and will soon be back and better than ever!

    And yes...we are the same.
    I hate May...every big bill arrives in May...house and car insurance, health insurance, car rego...not to mention the usual mortgage, electricity, childcare and phone and internet!
    We generally have to shell out about $8000.00 in one month.
    And it takes us until the next May to recover and save up enough to cover that horrendous month yet again!

    I am reassured to hear that I am not the only one who lives in fear of an unexpected bill!
    I hope that we all win the lotto!

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  28. Gosh, being an adult is bloody trying at times! Rest assured that God willnever let you down, nor push you past your limit.

    We may all be poor in the money department but we are rich in love!

    Sending much love to you and the fam, and healing vibes to your mama!

    Sar xx

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  29. yep it doesn't just rain... its pours... happens to us all at times. hope you mum is okay poor love x

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  30. yep. we live like this too Em.
    It can be exhausting at times.
    x

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  31. I'm definitely feeling you on this one!! Just paid my OB fees.. $2000 today and $3000 last week :( we have $400 to last the next week and a half... Hmmmm. Then there's all the other bills waiting on the fridge ready to gobble up hubby's next pay.
    Good luck !! :)

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  32. Oh those bloody tyres. We're out of town on a dirt road so I hear ya sista. Em, I think tonnes of people live like this, us included. Hope it gets easier for you. Just think now that those bills are paid so you can get onto the rest when you can. The good news is that no one was hurt when you popped the tyre were they? But your poor poor mum, that's awful. Thinking of you all. Only 6 sleeps till payday! Take care xx

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  33. Yup, just like everyone above we're doing it tough at the moment too.
    A tough billing quarter (Xmas) for freelance plus reduced Xmas lecturing hours plus and expensive Xmas has seen us stressing and fretting about money and paying bills and considering canceling a long needed and dreamt of and part paid holiday.

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  34. Oh Em, you poor love, what a shitty week :( You know, I worry about money on a daily basis and sometimes I think it just has to be easier than this. Our mortgage alone is like a noose around our necks. Then there is all the rest of it. With only one wage coming in, it makes things even tighter around here. Reading all these comments above makes me realise we're all living through pretty tough times. But we'll get there my friend. Hope your dear Mama recovers quickly xoxo

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  35. Ditto...
    My low point was reversing into a car I knew was parked across the road...had pointed it out to my hubby.
    I considered driving off...
    I really did...
    Then two men appeared out of no where...
    Gee i gave it to them... no one parks here because...and went on to rant about the neighbour here and the neighbour there, the cooky man here and the lights on there...

    It turns out... I hit an undercover cops car whilst they were on surveillance.

    Moral of story? Why pay two men to stake out all night and park in stupid places when you can ask the mother of 3 whats happening in the street and she can give you all the details....

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  36. Oh Em you are so not alone. We're having one of those months too x

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  37. It is not one of those months. For me it has been several of those months. I have not worked since having Jarvis and what little saving I had has long gone. I tried to plant an edible garden, but it got washed away in the floods earlier this year, and I cannot afford the seedlings to replant. Lack of money is my main cause of stress. Wouldn't it be lovely to not have to worry about how to pay the bills and feed your family? {S healing thoughts for your Mumma

    http://iliska-dreams.blogspot.com.au/

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  38. You're so clever - what about make more money rather than cutting back on things that you like to do/have? Bills and fines suck but happen. See that beautiful painting of yours - how bout selling some of your art - I'd buy it! I get your really busy and I know its really really hard to be creative with little people and houses to run etc ( I aways leave the fun stuff till last and never get to it) but if you take this as an income you will make time and then you get to create, make beauty, make other people happy with your beautiful art and make some money! win win win win

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  39. Oh Em. That sucks. Hope the sun comes out REAL soon and it stops 'pouring'. Nope. I can't say that I've personally had that happen to us, but then, hubs doesn't have much of a commute for work. Rice and pasta make good staples (And that leaves you to save your meat for something a bit more special). And I guess we're kinda homebodies right now, so eating out, going to the movies and such doesn't feature. Is that abnormal? I don't know. Bummer about the tire. I hope you took it back and asked them to replace it for you.

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    1. Goodness - I just re-read what I wrote... I don't presume to have any idea about your finances. Please don't take offence at my inept way of putting things. I did grew up pay-check to pay-check. Dad always said if there was money left over for fun stuff then we could do it, but mostly we didn't bother. We lived in the country, so living simply was pretty much what everyone did. We all had our veggie patches, chickens, and such. I think it's a great way to live. Kudos to you guys for doing that. Obstetrics bills can be a killer. (Thank goodness you only get ONE big one). Blessings chickadee... you can do it!!!

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  40. I know this feeling Em...its almost comes in waves doesn't it, at least your'e mindful of money etc..Im abit 'head-in-the-ground, ignorant' when it comes to money...I just tend to spend the cash:)
    Em, hang in there...and maybe save the cash for important things like you talk of - food, petrol, life. I know Im inclined to spend on 'lovely' things that myself and the kids don't really need (ie decorations for the interiors, tissue pom poms and many other non-essentials (can make you instantly happy though!)...that stuff can wait, or be handmade by yourself...you are an ex-art teacher magnificicante after all!!!! xoxox

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  41. Oh Bummer.....it is really tough when so many things stack up against you. Praying that your mum recovers quickly and that you receive that rain of money you need. xxx

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  42. I live like this, trust me! I can relate so bad

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  43. sorry you are having money troubles and that your mother was injured. hope you are all feeling better - financially and physically - soon! will add you to prayers.

    kathy

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  44. I feel your pain. It's hard on one income isn't it, and it's really hard when everything hits at once. We are in the same boat, 2 kids with another on the way, needing to upgrade the car to a 'people mover' but need to extend the mortgage etc etc etc. It's never ending and I totally sympathise with you. PS I hope your mum is ok too.

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  45. Yes. absolutely, all of it. Some days, living in a frugal manner forces me to be extremely grateful for simplicity, other days I throw my hands up in the air and wonder "what next?". My experience with shit spirals (financial, emotional or otherwise) is that they always end up coming up again. Keep at it lovely one, it's all part of the fun! (How's your mum- that's awful!) take care:) sarah

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  47. Tell me about it!
    But we are healty! That is the most important thing!!

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  48. oh Em, i'm so sorry. and yes, when it rains, it pours and unfortunately it's not money. i hear you. times are tough. we want to eventually buy our own home or at least rent a bigger one and we can never get ahead of the game. at least we all have our health right? well, except your mom with a broken arm. hope she gets better soon. have a great weekend despite it all. xo

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  50. I feel every ounce of your pain. I am on maternity leave so money is pretty tight. My husband has been looking for full time work for over a year with no luck, he has a part time job but it barely covers essentials. Within 6 weeks of our daughters birth our hot water system had to be replaced, our dishwasher & oven died so we had to buy new ones & we had to get a plumber out twice for various problems. Also our beautiful dog had to be put to sleep which cost $360 & my car air conditioner had to be fixed when we had those crazy hot days & my car rego is due next week. As you can imagine that ate up a big chunk of money set aside for my time off work which means i may be forced back next month when bub is only 5 & a half months old & she refuses to take a bottle or to go to sleep unless she's on my boob which is causing me a huge amount of stress as hubby will struggle to care for her while i'm working. We are getting further behind on all our bills & i can't see a light at the end of this very dark tunnel. I often blame myself for wanting to have a baby at what has turned out to be the worst possible time for us financially but my clock was ticking so loudly i couldn't ignore it.I just have to hang on to the hope that our luck has to change soon.

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  51. yep we live like this as well! a 4 day teachers wage coming in and 3 kids! its pretty soaking here at the moment! xxxxhugs xxxx

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  52. Oh you are not alone at all!!!! We live like this..single income.. and bills coming in.. crap..That is terrible about your tyre.. and your poor mumma! I hope next month is a little better and it doesn't pour!! Its crazy so many of us live like this!!
    xxxx

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  53. Aherm. http://www.youtube.com/watch?v=T2HJTt3XEDM

    {Not to belittle your woes in any way at all - I'd have cried all day as well, but here's hoping this song can help cheer you up a bit! xx}

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  54. Yup - we have sold scrap metal old books and paper along with old clothes to try make ends meet - if they are brand new tyres u should have a road guarantee for them ... We have that here, it could just be becouse our roads are so terribly potholy but worth a try ;-) good luck and feel better soon!

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Thanks so much for your words of encouragement, advice and solidarity.

xo em