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Feeling Relaxed...

April 29th, 2008 at 05:32 pm

Not a lot of time online this week. !! I guess since less time working and less time online? OF course, beyond that, just in spring cleaning mode.

I cleaned up my office today and I feel SO relaxed.

OF coursed, having the time to take a breath probably has more to do with it than anything. Though cleaning up a little does calm me.

Oh yes, and my last client came in with her e-file signature today. I think this is a stellar new record - I have no clients on extensions - none that I sign for anyway. !! Woohoo!!!! Tax season is officially over for me. Though I have one for my boss that is about done, and one that I am waiting for info on. But still, no more for me to sign. & having 2 in limbo in April 30th certainly is not bad (I am sure I had way more last year, at this time).

I also got all my April 30th deadlines out, but now I have a slew of 3/31 financial statements to work through (behind with all the deadlines) as well as a couple of 12/31 and business tax returns that have not been completed. I think I will be pretty busy before my vacation.

In other news I keep reading about food and gas. To be fair, I *get* how this affects the lower class. But am I The only one sick of the middle class going on and on and on and on? Though I notice a slight increase in our food bill, it is not much at all. As far as gas, it has been inching up. It affects how often we drive to San Jose to see our family and stuff like that. But if we were going broke over a $300 monthly line item in our budget, that would be kind of sad. I probably under-estimate the benefit of us only having one commute, and a short one at that. & I admit gas prices have affected our habits. Likewise, I am trying to brace myself for the worse case scenario. (Which is probably much farther down the road).

But I keep reading about people who have doubled their food budgets. I haven't a clue what you all are doing. Ours has gone up 10% tops, to date. We just don't spend that much on food to begin with. I expect it will get worse, yes. That is why it's kind of scary when people are freaking out so much, so early.

Is it just me?

I also have to admit that part of the reason our food costs have been down is we have been shifting to more eating out. The amount in our budget has not gone up - for dining out - but with these coupons (& desparate restaurants) we have been eating out twice as much on the same budget. We are certainly taking advantage where we can.

In other news, we did run the A/C 2 days this week, already. Today was considerably cooler, so we'll see. But, ugh - the heat!! IT got to about 83 upstairs so we flipped on the air for a while before bed - to make it comfortable - the last 2 nights.

We haven't turned on the heat in well over a month. But A/C season usually does not hit until late May. Though certainly it is a fluke - today was much cooler.

Finally, the medical bills are starting to roll in from BM's ambulance ride in early February. I Received a $200 emergency room bill (mentioned before) which was nothing, but yesterday the ambulance notice arrived. $1500. !!!!!! His deductible is $1500 and we already paid around $500 in doctor visits, lab tests and with the emergency bill we already received. So... IT wasn't the bill and I expect the bill will be $1k.

I was talking to my mom when I opened the bill and she offered to pay the $1500. It REALLY stressed me out though it really shouldn't have. I was clear that our premiums were $3k lower this year and in the grand scheme of things it wasn't a biggie. I am used to paying out the nose for medical insurance/expenses.

But my mom was quite insistent and I Was in little mood to argue. Big Grin

I know you will probably never believe me but these are NOT the parents who raised me. My parents don't go handing me money for no reason. This would be the second biggest windfall I have ever received from them. (Largest windfall being a cash gift they gave me last year).

On the flip side, I have said it before, and I will say it again. This is the way parents should do things. Don't give you a dime and teach you to take care of yourself. LEarn to expect nothing from others. Then when you are old, wise and figure it out, share the wealth a little. Sounds good to me. IT has much to do with their unexpected windfalls in recent years as their elderly relatives pass on. VEry unexpected they would get anything from my father's poor family. Instead they have received well over six figures. IT just happens to coincide with me getting my financial affairs extremely in order. I think I appreciate it more than I even would have 5 years ago.

On the flip side, it makes me feel bad to an extent because if my parents decide to give me $1500 and I get $1800 from the IRS, well geez. It's easy to make progress with these sorts of windfalls. Chalk this one up to another easy year.

I'd bulk up my mid-term savings with both. I want to get it to $5k before I consider using some of that money for stuff around the house. This would get me to $4k by summer. (& since the medical bills are well covered).

We'll see. I am not going to ask or anything, but if I get a check in the mail, I won't have any qualms about cashing it.

I will admit we are spoiled by our parents.

I am proud we are where we are mostly of our own sweat. But I admit that this kind of cash infusion makes the upward climb 1000 times easier. IT also makes me think often how different our kids have it from us. Whereas our parents were intent on us learning to take care of ourselves, they seemed to have lost their minds and want to spoil us and the kids, now that we have kids. IT's kind of strange. HAlf the time I think, "who are these people?" Then I go into my own worries if our kids will be too spoiled and really get things on a level dh and I do. OTher days I think they will have ALL the opportunities in the world. If they have 2 generations ahead of them who do things right and have some money to spare. LUCKY kids - for sure. I'll try my best to make them understand how lucky they are. That's all I Can do. Our family tree was changed by our parents. No one before them had any wealth. IT's amazing to see what a difference it makes as it starts to trickle down.

Though I know anything can happen. Our parents can use all their cash up in nursing homes - who knows. But for now they seem to have some abundance and they want to share. For that we are VERY blessed.




3 Responses to “Feeling Relaxed...”

  1. aevans1206 Says:

    I agree with you about the food issue. I think we WAY over buy and WAY over eat. Maybe if individuals began to buy for correct portions, they won't spend as much.

  2. frugaltexan75 Says:

    That is very nice of your mom to help you out with the ambulance bill. I think sometimes our parents still have the desire to take care of us, or do things for us, even when we are able to do it just fine by ourselves.

    Just remember to pass it forward Smile (in 20 years or so when BM and LM are grown and on their own.)

  3. baselle Says:

    I had to laugh over the food issue. The Seattle Times had a huge article about folks getting slammed by high food costs, complete with a picture of stacks processed food boxes that they apparently bought. Huh? Stop buying crap! I'm swimming in eggs from a friend right now, I'm finishing up using the coupons for a grocery store grand opening, and now non-organic produce is relatively cheap (under $1/lb). The rice issue? For two people, its a non-starter. Unless I'm holding a series of home weddings, there is no way we're gonna use 1 bag of 50 lbs of rice in a timely manner.

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