Marauders

They will take the gas that is left over from this summer that sits in the shed for the lawnmower.  They will take the roll-over minutes and the upgrade meant for the pay-or, not the use-or.  They will take the car keys. They take the last donut.  They will take up a whole afternoon and a whole paycheck if you let them.

Damn kids.

Verb or noun?

Back to a topic I have some control over...I hope.

Budget. Verb or noun? The obsolete definition, noun derivitive, for 'budget' is small pouch or bag. I can attest that this definition is not as obsolete as the dictionary contends. My budget is not a large pouch, nor a massive container (an antique sugar bowl holds my spare change and it never gets full...it never goes empty either for that matter.). My budget is a small, emotional pouch.

I had to look up the word budget. I had to look it up to see if the connotations I give it are actually written into the definition. They are not. I mentally fight this word budget, as if the word itself is the problem. And maybe it is. Maybe I have given so much power to this word that simply means a little pouch (and makes me smile when 'codpiece' comes to mind...and then that makes it all better. And somehow just now a budget and a man's lively bits became synchronized). And I realize I should have no problems budgeting. And I don't, as long as I keep an eye on things. (Funny, I don't have problems with those lively bits when I keep an eye on them either.)

How did I get so far off the mark today? The above was NOT on my topic list. (hands go up in the air) Never mind...new topic tomorrow.

Holding rope

On May 18th I posted my definition of financial security. I was in the throws of pulling my financial ass out of the well. I'm still hoisting up the rope. It's tough, holding on to the rope that I've already pulled up and then grabbing the fistfuls of line above that. You know, there's never really anytime to let go. One must hold the rope. That's just to stay even. I'm a bit of a heavy weight to be holding, financially (I think). My arms are feeling the strain. I wonder if muscles will come of this that make holding onto the rope less strenuous.

Since May 18th - almost two weeks now - I think I have written every list, repeatedly, of what is to be paid, when does it want to be paid, how much does it think it wants to be paid. I have culled out the bills that suck out the money automatically. I have a separate list of bills that I get to pay at my discretion. Every one of these lists is headed up with income information, as if that changes. I'm still making lists.

I did open a secondary bank account. I set it up to have a sweep done every payday. Antonio was lovely, had it done in minutes. With a name like Antonio I can say really pouffe things like, "My banker, Antonio says...." Anyway, the sweep is for half my rent plus a couple bucks more. Okay, it's the amount of what I want my rent to be for the next perfect rental property. I figure it's practise paying for a place with a water view. The "plan" is to pay rent from this new account, and the extra stays in this account as savings for things like deposits on new dwellings, car repair or down payment, and dental care (as I am scheduled for a root canal - though I think I only need a cap).

I have soooo many things on my "To Save For" list. It's longer than my "To be Paid" list. The working account will take care of the rest of living and bills as it always has. I'm hoping this way - sweeping the money aside - that I lose the stress of rent coming from one pay check, and I gain a healthy aspect on savings.

I do like my lists.

The money came

I think what bothers me most is that I'm not a kid. I'm no longer in my twenties. Somewhere near the end of my twenties I figured a person ought to have the financial wherewithall to move ahead without assistance.

The money arrived. The phones are back on. The car is getting new parts as I type this. I've enough for an emergency fund. Now, paying this back is important to me.

(An aside here - my son got the sous chef position, regardless of the phones. My daughter picked up another shift at work, regardless of the phones. And my other daughter heard greatt news from Afghanistan without the phones. Facebook, e-mail and face to face work wonders...)

There are a ton of extremely unhelpful budgeting sites on the internet. What a mash-up of misguided muck. There's the big names like Suze Orman and Ramsey: out for a buck. The Ramsey's approach makes more sense - but a rather difficult site. One of my friends at work suggested Mint.com. That's what I've been putzing on here at work between phone calls and projects. I've been setting up my financial tracking on-line. I understand they have a touch screen version for my iPad. When I get home tonight I will download that app (please may they offer it free) and get some of the particulars put in it right. I like the way Mint.com is set up. It appears to allow me to tweak individual categories and tags and stuff so that all this makes sense to me. I don't care if it makes sense to anyone else. I don't appreciate that loans off the grid, such as the one I have, are not enterable into this program. Everything at Mint.com is "attached" to a retail account, attached to a "real bank". I will need to find a way to account for a loan from a private lender. With all the bells and whistles of Mint.com I can see how a program like this can keep me interested enough to track my expenses and maybe even reach some goals.

It's been a nice diversion, that may not be a diversion after all.