The Lessons That Almost Were.

by jolyn on July 27, 2010

I can’t remember exactly when Olivia started talking about wanting to take horseback riding lessons. Every time we’d take her older brother to a certain friend’s dad’s house (follow that?) in a nearby town, we’d pass a sign on a busy corner advertising some. The stable itself sat nearby, remnants of a farm still holding out against the encroaching city limits.

I never spotted anyone around the property, but I finally called the number I’d copied down from the sign. I left a message. No one called me back, and I didn’t pursue it. Our summer started and with it a new routine that didn’t take have me driving her brother down that way anymore, and Olivia didn’t bring it up directly. Just the occasional, “I SEE HORSES!” every time we’d pass some along the road or highway — which in the Midwest can be fairly often.

Last week Olivia and I accompanied a friend to her daughter’s horseback riding lesson (not at the same place I’d called), even though I knew what would happen and I knew how much it would cost. Sure enough. “Yes! Yes! I want to do this!”

Olivia, who still holds back and claims she’s afraid of dogs, did not hesitate to go right up to these big creatures and nimbly caress their flanks. She watched the entire lesson wide-eyed and only seemed more certain every time I asked her, “So you’re sure you want to try this?” I asked the instructor about number$ and equipment and times and we scheduled a trial lesson.

For the next couple of days Olivia would randomly sigh, “I can’t wait to ride Dreamer,” the sweet, small-ish horse the instructor introduced as The Love of Her Life and the one Just Perfect for young, new students to ride.

A couple more days passed, and Olivia abruptly said, “I changed my mind. I don’t want to take horseback riding lessons anymore.”

I was very, very surprised. “Don’t you just want to at least try it?” The instructor already explained that they have new students try two lessons before the parents commit a single dollar: they want to make sure kids are still interested even after the novelty has worn off.  No one wants a child around horses who doesn’t want to be there.

I gently grilled her: Are you afraid? Do you just not like horses anymore? Did you *gasp* hear me talking about the prohibitive cost and think we couldn’t afford it?

No, no, and no. She just wasn’t interested anymore. She finally shrugged, “I just really can’t explain it.”

And neither can I. This isn’t like my baby girl, to not want to try something. But even stranger: she wanted to try it; but now she doesn’t. What changed?

I’m thinking this is divine intervention, and I’m letting it go. Who knows what we may be avoiding? Yes, the cost is high: $340 for eight lessons, plus riding gear. I really didn’t know what I would think if she’d loved it and wanted to continue after we move to California at the end of the year. That’s a lot of money! I should be glad to avoid that. But I can’t help but think…

I was impressed with what I saw during the lesson we visited. Horses are amazing creatures. The instructor was amazing with her students, and very good with meeting Olivia, too. You can learn so much riding horses: confidence; poise; responsibility; assertiveness. Quite frankly, I was sold on our visit and was looking forward to Olivia gaining from the experience, even if for a short time.

Yes, horses can be dangerous: they’re just so big. So many safety precautions are taken, and two- and three-year-olds ride horseback with nary a problem. But you just never know, do you? At least, it looks like we never will. I’ll just chalk this one up to another Mystery I want to ask God about when I get to Heaven. And for now anyway, I’ll listen to my daughter.

{ 2 comments }

How do you avoid overdraft fees?

by jolyn on July 21, 2010

Logging into my USAA accounts recently, I noticed a poll on the sidebar with this question:

How many overdraft fees did the average household pay in 2009?

  1. 1
  2. 4
  3. 9
  4. 13

Would you be surprised to learn the answer was 13?

“…. the average U.S. household with a banking account incurred nearly 13 overdraft fees in 2009, according to management advisory firm Bretton Woods Inc. Those fees cost Americans a whopping $38 billion they could’ve spent elsewhere.”

To quote Keanu Reaves,

“Whoa.”

Do you have trouble with overdraft fees?  Okay, wait a minute. You don’t have to answer that. Let’s start over.

How do you avoid overdraft fees? I know, I know… Keep track of your spending. But things happen, and they’re not always your fault. I worked at a bank for a couple of years, and I was astounded at how many people thought it was the bank’s job to keep track of their balance for them. But I also saw how many unintentional human errors are committed on a daily basis: double postings, by the merchant or bank; unauthorized automatic drafts; pending debits that somehow don’t fall off when they’re supposed to…

Not to mention the many errors that you and I are capable of committing: forgetting to account for ATM fees (or for ATM withdrawals, for that matter); not communicating with The Spouse on daily transactions; forgetting to write down some random paper check you had to mail for some random payment…

Overdraft Protection is the obvious choice, preferably with a savings account (that has money in it).  It’s good to have a back-up as well, such as with a credit card.

I heartily believe in Overdraft Protection myself, not only because You Just Never Know but also because at times when we travel or are otherwise moving, I covet that feeling of knowing that bills will be covered even if I’m not on the ball. Especially when we were in the middle of a trans-continental move with small children, this feeling of security was measureless: I simply didn’t have the time or energy to make sure things were happening on the account like they were supposed to, for days or weeks at a time.

What’s your Method of Avoiding Overdraft Fees? Overdraft protection? A large cash buffer in your checking account? Checking your transactions and balance with the bank every day, online or otherwise? Do tell. Someone might be reading this who needs your help.

{ 27 comments }

Wow, I just scrounged up a draft of this post originally dated July 1. I guess I had admirable intentions of a timely update. I have been amazingly lazy about reluctant to post June’s numbers: Paying down debt just isn’t very exciting when you’re only making the regular payments.

I really can’t call this a snowball. At least, the snowball is currently resting on a plane.  The reason we’re not currently snowballing our debt is, again, because our house is up for sale and every dollar of extra cash is going into a regular savings account in the event that we *gasp* have to bring some money to the closing table. You know, for when the house sells. Which it will. It will.

The Numbers

End of June 2010:

  1. First Mortgage:  $170,249.14
  2. Second Mortgage:  $31,342.63
  3. Rental Property:  $108,270.38

Total Debt:  $309,862.15

This is a difference of $591.35 in principle from the $310,453.50 owed in primary and rental mortgage debt at the end of May.

We paid down $30.79 more in principle in June than we did in May with our regular payments.

<<Woo-hoo!>>

Regular Payments Breakdown:

  1. First Mortgage: $1538.63
  2. Second Mortgage: $283.90
  3. Rental Property: $758.00

Total Monthly Payments: $2580.53

Less than $2000 went toward interest this month! Woo-hoo! ($1,988.65 toward interest, to be exact.)

Cash Has Been De-Throned.

At least for now. I mused back in January when I started a Cash Envelope System that I was hoping I would have my Cash Mo-Jo down by the time John got back from his deployment. That appears to not have been the case. Either that, or John’s return threw me off my mo-jo. I’m really not sure which one is to blame.

Most likely, any mo-jo I gained on my own became moot when my husband returned: Finances are a whole different ball game when two people are involved.

Not that he wasn’t spending money while he was gone, but we were communicating pretty well about what cash he was going to pull out for the month, etc., while he was away, and it was pretty simple. Coming home, his needs, and mine, have changed. Our grocery bill in June? And the money we spent eating out? Oh, lawdy. Don’t get me started. That’s another post. (I pinky promise.)

I’m not even sure if cash is the best way for us to go. I really like to categorize our spending (I use Mint — a free personal finance software program) and cash really muddled me all up: I was constantly raiding Peter to pay Paul and at the end of the month I really wasn’t sure how accurate the amounts in my cash envelopes even were.

I know, I know… This would work if I collected every receipt for each category in its respective envelope at the end of the day. But what about the receipts that included more than one category? It just gets very complicated and time-consuming. Maybe I’m just getting old. Or maybe I’m just grumpy, but I’m just not convinced all that complication is necessary.

Suffice to say, for now, Cash has been de-throned. I’m not sure if it will stay that way, or if it even should. But those are my thoughts for now.

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Peter is a picky eater, always has been. His mainstays are peanut butter and honey tortillas (yes, you read that right), bananas, and applesauce. The quintessential white diet. He has and does eat other foods, but tortillas are what he begs for. Even if we are offering him something that he has eaten before, he’ll whine and cry and carry on like we’re trying to poison him. “I just want a tortilla!”

Peter's mainstays: Tortillas with peanut butter and honey. (The nutella is a treat on road trips.)

And yes, I’ve tried sneaking other things into his tortillas. Even the smallest of small dabs of refried beans hidden in the melted cheese, which he does like. He finds it. Then accuses me of poisoning him. Not in those exact words, but you’d think I’d tried to get him to eat cyanide by the way he carries on.

We’ve tried saying taking it or leave it, you’re not getting anything else. He’ll leave it and go hungry.

Or he’ll bide his time and sneak something else once we finally turn our back.  He’s a main reason we put a lock on our pantry door. (He figured out a long time ago how to unlock it, but it was nice while it lasted.)

My first two children both came out of the womb eating like champs. We have pictures of Conner at five eating a steamed head of broccoli like it was an ice cream cone. Olivia pops grape tomatoes in her mouth like candy. I knew Peter’s picky eating wasn’t due to his environment. When we got his diagnosis of apraxia, it all seemed to make sense: textures; sensory integration; temperature sensitivity. This wasn’t just about food. I learned about resistant eaters, and as bad as Peter’s eating seemed to me, I realized that it was nothing compared to what some parents experience with their special needs children. (Ever hear of Food Therapy?) I picked my battles and simply encouraged foods that (somewhat) made up a whole diet, colorless as they were.

Over time, the lines have blurred somewhat between what is really difficult for Peter to eat — he doesn’t like ice cream, for instance, “Too cold!” — and what he simply doesn’t want to eat. But old habits die hard, and I’ve grown accustomed to accommodating Peter’s eating preferences. I do encourage him to try new things; I will often entice him to just eat one bite by letting him have what he’d really like to eat afterward. No matter that he’d even admit that he liked what I made him try: he’d had his one bite and he was done.

Cue John’s Recent Return from Deployment.

Something must have snapped — I guess those months away gave John fresh eyes when he came home and witnessed Peter’s eating habits anew. John declared No More and with a Take No Prisoners attitude decided that Peter was going to start eating Good Food, or else.

It was a huge, huge milestone when John got Peter to eat a cheeseburger. A half a cheeseburger, mind you. But still. And this was no tasteless fast food, but a plump, juicy cheeseburger seasoned just-so, fresh off the grill.

At least, it was fresh off the grill when we ate. It took Peter two hours to eat his.

But he ate it! This happened before our recent road trip to Kansas. While traveling, we quickly slid back into our usual eating habits. I chose to fight no battles with Peter regarding food (hey, I was on vacation, too) but I also wasn’t always around to make sure that he was at least getting a somewhat well-rounded diet with his preferred white-food choices. By the end of the trip, it was apparent that his health was starting to suffer.  John finally spent an evening (while the rest of us were at my cousin’s wedding reception) forcing Peter to eat two baby carrots. They had left the reception early because Peter was pale, exhausted, complaining of a tummy ache, refusing to eat a single morsel from the buffet, and begging relentlessly to just have some wedding cake. And John was still annoyed with him for sneaking and eating an entire bag of cheese earlier in the day. It took two hours, many tears, and cries begging “I just want to go to bed!” but he ate it.

In the past, I have often given him the option of eating what I gave him for dinner or just going to bed, figuring that the experts must be right when they say that a kid will never starve himself. I’m not so sure they’re right with this one. He’s a stubborn fellow — manipulative and sneaky, too. John has decided to play a firm hand with him, and for that I am thankful. I’m not sure I have the stomach for it. No pun intended.

Cue Vigil.

So we had cheeseburgers again last night. And John laid down the law: no substitutions.

I wish I’d gotten a picture of Peter just sitting there, not eating his food: the sullen look on his face is priceless. But I’m choosing to expend as little energy (and attention) as possible on these battles. We all ate our food, I cleared the table and wiped it down around him, then John set hisself down and commenced a vigil.

It’s not very fun, these vigils. And they’re a huge time sucker. But they’re necessary because the minute you turn your back Peter is off and running, which is why it’s so difficult to force him to eat while we’re traveling and visiting friends and family. In fact, during last night’s vigil he made one escape when John left the room for a minute, calling over his shoulder for me to mind that Peter didn’t leave the table. I turned my back to do some dishes and Peter was gone. We found him up in his room, trying to put himself to bed.

Oh, we are mean and cruel parents, we are. We made Peter come back down and sit at the table, telling him he’d be there for as long as it took, but he was going to eat that cheeseburger. Oh, the humanities. I just want to go to bed. I’m so ti-i-i-i-red! Laying his head down on the table and wailing and carrying on like the poor, abused, downtrodden prisoner that he was.

Cue Portal.

John was not to be deterred, and he brought his laptop to the table to help pass the time.

Now, Peter loves electronics in general: computer games; Wii; gameboy; his big brother’s DSi (much to big brother’s consternation). Electronics in moderation are not a bad thing, in my view. But we definitely have to limit them with this fellow. With all of our kids, in fact.

One game he loves to play above all else is Portal, a game John discovered while he was deployed. He took advantage of a free download one weekend, introduced it to Olivia and Peter, and they were hooked.

To me, their liking a game like Portal is very improbable. To quote the website’s description:

“Players must solve physical puzzles and challenges by opening portals to maneuvering objects, and themselves, through space.”

Huh, what?

It’s actually quite intellectually challenging, and from my understanding (I’ve never played myself) involves quite a bit of physics. Not my bag, baby. This is a game they only play with daddy, on daddy’s laptop. I didn’t even realize until writing this that the game normally costs $19.95 to download, so kudos to John for getting it free.

So John sits down with his laptop, and we’re telling Peter that as soon as he eats his cheeseburger, he can play Portal. But not to dawdle, or it will be bedtime.

I sort of half-joked to John, “Maybe you and Olivia should just start playing right there in front of him. You know, on the opposite side of the table so he couldn’t see the screen.” Ha-ha, wouldn’t that just be too cruel? John thought so at first, then apparently changed his mind because next time I turn around there they are, setting it up and Olivia is sooo excited, because she thought she’d have to wait until Peter was done with his dinner.

Well, this was just too much for Peter.

“I want to play!”

“Then eat your dinner!”

He slumped back down in his chair, but his eyes flickered onto his cheeseburger for the briefest of moments.

Minutes passed. Peter would slowly start to sneak his way around the table so he could watch. He always got sent back — sometimes not until I happened by and noticed, so engrossed were John and Olivia in their playing. (What is it with men and their ability to tune everything out around them in the name of electronics? If only I had that ability, this blog could go up to the next level, I tell you that.) And then, and then, and then… What’s this I see?

He’s eating! And he likes it! But of course he does! Because he’s had a cheeseburger before!

(If you look very, very closely, you can see a bit of a piece of sauteed squash on his plate. That was just me being hopeful. Eating that wasn’t part of The Deal.) (Truthfully, simply allowing it to stay on his plate is improvement for him.)

Later when it was time to get ready for bed, Peter came by me and I held out my hand for him to give me five. He ran up and gave me a hug instead. He was so happy! And not acting tired at all!

What Does This Have to Do With “Budgets”?

Nothing, yet everything, really.

It takes more energy to deal with picky eaters who don’t simply eat what you put on their plate on a regular basis. It takes more resources to supply picky eaters with food you know they’ll eat — though I must admit that this aspect can actually be money-saving. (It’s almost like having one less mouth to feed when that mouth doesn’t eat much meat.) (And very, very little fresh produce.) It can be difficult to get picky eaters the nutrients that their bodies need, and their health can suffer, making them more prone to cold and exhaustion and every virus that comes their way.

Having a picky eater in the family affects everyone around them: It can have a negative impact on the family dinner experience when someone is always complaining about their food, or trying to get up from the table. The benefits of a family eating together can get swallowed up by the energy consumed by dealing with one person. It’s difficult to go out to eat when you know one person will protest if one or two particular items aren’t offered on a menu. Never mind trying different ethnic restaurants and having different culinary experiences as a family.

Peter is only five. Peter is already five.

He’s still young, but I can totally see how this can go on forever if we let it. I heard two separate stories during our recent trip about kids people know who are in their teens and are still very, very picky eaters. Can you imagine how this is affecting their health? Their social lives? Their opportunities to grow as individuals and experience new things?

We still have a long, long road ahead of us with Peter and eating. He may have to eat a cheeseburger 20, 30 more times before he does so willingly. I’m just so glad that I’m not in this by myself: I regularly get tastes (no pun intended) of what it’s like to be a single parent (albeit with income) for months at a time, and I simply know I would not have the energy to fight this battle consistently on my own.

John will be gone again for the month of August. I don’t know how much I’ll stand ground while he’s gone; I’ll play that by ear. I just know that, years from now, when Peter’s eating sushi and squash and slurping smoothies (and not complaining they’re “too cold!”) I want everyone to know, this didn’t just happen. We didn’t “get lucky”. We had to work on this for a long, long time. And it was really, really hard.

Small Moves

Peter got his tortilla for dinner tonight, along with a banana. I was making dinner, but John and Conner were still going to be out for awhile. He was hungry again later so I offered him some of our dinner we were eating late. He wailed and declined. I let him. Did he go to bed hungry? Possibly. Starving? Not at all. Would Portal have worked? I’ve no idea: we didn’t try it tonight. John was busy working on fixing our modem router problem ($140 later, problem solved. *sigh*) and didn’t have time. Who knows? It may not work the next time at all. We can only hope. Small moves, people.

{ 14 comments }

The Cost of a Road Trip.

July 15, 2010

Finally. Oh, how I’ve missed you all! We logged almost 2000 miles in ten days between Ohio and Kansas. It did rain over the 4th of July, effectively canceling my sister’s Independence Day Bash.    We did, however, manage to set some money on fire light some fireworks at my parent’s house in between bouts [...]

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Inquiring Minds Want to Know! How much are you spending on the 4th of July?

July 4, 2010

It’s the night before we officially celebrate our nation’s Independence Day, though you’d think it was already the 4th based on all the snap, crackle, popping and occasional BOOM! going on outside all over my hometown in Kansas. And these are just the amateurs! We just arrived at my parent’s house and can’t yet answer [...]

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I Puffy Heart Beautiful Days and Free Nature Parks

June 30, 2010

Absolutely beautiful day in Ohio. The humidity dropped exponentially overnight. Just in time for our impending road trip to Kansas: Land of Heat and Humidity. Ick. July is not the best time to visit Kansas. Only August is worse. I blame this trip on my cousin, who’s getting married. Even though we’ve visited Kansas in [...]

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I should just make the public library a line-item charity transaction.

June 29, 2010

I swear, sometimes I just don’t know what’s wrong with me. The library is free, right? Unless, of course, you don’t return your books on time? (Or at all?) And yes, I do get email notices telling me that I have some items that are coming due. And are overdue. And This is the Final [...]

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At least he said I was cute.

June 28, 2010

Riding bikes is great frugal fun for the whole family!  Once you’ve accounted for the cost of the bikes, of course… John recently posted this ad on craigslist: 26″ Men’s Full Suspension Mountain Bike for Parts This is a mountain bike as described made by Concord.  My lovely and insufferably cute wife likes to run [...]

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Ah, Summer!

June 26, 2010

I’ve been consumed with laundry, yard work, showings, friends, and… Life! Regularly scheduled programming will recommence shortly. I hope you all are enjoying your summer!

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