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How things have changed, how they've stayed the same

April 23rd, 2012 at 01:09 pm

WORK--I'm still working full-time, although for how long I don't know. Of the people left at my job, I'm now the one with the least seniority, so I am the most vulnerable if and when more budget cuts happen. In July, my take-home pay will go down a bit because we'll be paying more toward our health insurance. My schedule won't be as predictable now, because we full-timers will have to cover holes in the schedule that the part-timers used to cover. We'll also have to work more Saturdays, at least two a month, because there are fewer people in the rotation. This means at least two weeks a month where I'll have to commute six days a week instead of five. (We're only open a few hours on Saturday, so you don't get another full day off for working it.) That means more money spent on gas, and losing more time on driving. We've been warned that we may end up with unpaid furlough days later in the year if the money runs out.


FAMILY--My mother is almost 95 now, and still living by herself. There's some dementia creeping in, and I'd feel better if she were in Assisted Living. DH hasn't had a paying job since he left an awful one in 2007, which has been fine with me. He does a lot of the running with my mother, taking her to the foot doctor, physical therapy, the bank, etc. As it is, I've been using up most of my vacation days on Mom issues; I don't know how we would have managed if he were working and we were constantly stressed about which one of us could get time off for something or other. There's always some little crisis coming up.

DH's INHERITANCE--DH's mom's estate still isn't settled; she died over four years ago now. It turned out that the brother who was designated executor wasn't coping with things because of dementia. A lot of time had gone by before this came to light. DH and his sister were named as co-executors and when they got to work on the project discovered quite a bit of cleanup and repair work that hadn't been done on her house. It's a pain getting there to do anything because it's several hours away from everyone, plus it's a gated community and there's always a hassle getting in, or getting repair people in. They started out asking over $130,000 for the house; since then, thousands have been spent on repairs, the price has been lowered below $70,000, and it still hasn't sold. There has been only one offer, which was withdrawn at the last minute.

OUR HOUSE--We were counting on a chunk of inheritance money to get repairs done on our own house, but at this point we don't feel it can wait anymore. Despite my job situation being shaky, we're getting estimates on having repairs done on the front of our house. A few weeks ago, before I knew whether or now I'd be laid off, I applied for a loan against my pension. If I had been laid off, I wouldn't have started getting billed for it for six months, giving us a little extra financial cushion to work with. It would be a way to stay in the pension system and still be able to get a pension at age 60, while getting use out of some of the money in the meantime. Now that I haven't been laid off (yet) we're planning on using the pension loan proceeds for the house repairs.

DH is now battling diabetes, so I've been concentrating on buying healthy foods rather than cheap ones. Both of our pets have died (they were both 16), so there were some final expenses but we no longer have to buy pet food and supplies. We miss them, but don't plan to get new pets any time soon.

1 Responses to “How things have changed, how they've stayed the same”

  1. LiveFree Says:

    You have really got a lot on your plate. I wish you the very best with it. Hope the job situation settles down for you which I know would go a long way toward reducing the stress. Bless you and your husband for being so good to your Mom!

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