Monday, February 18, 2013

True Life: Living in Massachusetts

I am picking up habits here that I don't enjoy.

I'm talking about the amount of stress, financial juggling, and the Rat Race mindset that seem to come along with the package of living where we live. I really miss Oklahoma. I miss living on our own, in our own space, and being able to see the sun. (We live in the basement where it seems to be permanently midnight.) I miss warmer weather and being proud of ourselves when we could not only pay our bills but maybe go to Chili's two times in one month. We weren't rich by any stretch, and I was proud that, when people came to our tiny apartment, they couldn't tell that everything in it was found at a Salvation Army.

Now, we're in New England, back in my home state of Massachusetts. I really do love a lot of things about MA: the beautiful summers/fall, the museums, the history you can find anywhere, the coast. I love my family.

What I don't love is that everyone is constantly competing for the best. They're not necessarily competing with one another (that's what it felt like when I visited a friend in Orange County, CA- no thanks).


Home for Sale in my area: $249,900 fixer-upper
Instead, they compete with themselves. If you buy a house (unless you are part of the Mega Rich category), you know that you are buying a life-long project. You will never be happy with it or entirely proud of it. In fact, discussing plans to totally revamp your house is standard conversation among women. Men get to talk more about the yard and how they know a guy that can get them a good deal on a new plow for the winter. Also a snowblower. And a backup generator, just in case the first one goes out.




One can never have too many generators.
 
When my husband and I first moved back here over the summer, he kept remarking on how everyone looked miserable. He calls it the "Stank Face" and brings it up when we're at traffic lights. I told him that it's not that people are mean here; it's a gruff lot, used to a consant amount of back-breaking labor. (This is not true of all parts of Massachusetts, but for a lot of middle class and/or blue collar workers, that's the case.) People have that face because most of the year is cold and bitter, and shoveling is not cute. Shoveling is a major cause of male adult death in the winter, because the snow, which has piled up, frozen over, piled up again and then been rained on, causes heart attacks. Older people are worried that they will be frozen by being locked in or out of their homes during storms. The weather here has not improved since the Pilgrims, and we all know how their first winter went.
 

People looking unfriendly because they're freezing.
 
 
Again, the generators. That's what separates modern day from life here in the 1600s.

The weather is bad. On top of that, people are constantly running through cycles of the rat race to improve, improve, improve, with really no end goal. Which  means people here angrily get through awful weather, only to work 70-90 hours a week, and taking a break makes people feel guilty or like they're getting behind. A stay-at-home mom? Lazy. A guy who retires at the actual retirement age in his 60s? He retired too early.

It's about work, and struggle, and constantly trying to improve your lot.

It makes me miserable, because I'm doing it now too. I have consciously lost touch with friends because friends cost money. Going out to dinner, or getting a drink, or going up to the lake all cost money. That's a fucking awful statement, but it's a big reason I only hold onto my soul mate friends and don't really reach out to other people. (The other big reason is that I just feel depressed and like I need to hide in my bed most days.) I feel guilty spending money with people other than my closest confederates. Then I blow a ton of money, because money= hard work= love.

That's why I never saw my father growing up. Because "You know your father loves you. He may not tell you and he might seem scary, but he works so hard so he can provide for us. That's how he shows how much he loves you. By how hard he works."

Man, I have heard that speech a thousand times. Mostly because my dad was the scariest person alive to me until I was about 11.

Anyway. This rant has gone all over the place, but I'm just trying to keep my eye on the prize. Although I do now  know money is not the most important thing, it is what is keeping me shackled to this life-in-limbo stage. Debt cannot run my life the way it does so many people around me, so I have to stay focused and live this life for a little while until we can break loose.



Thursday, January 31, 2013

Debt (Jan. 2013)



Checking in!

$2,500 (Credit Card)
$5,853.04 (C Car Loan)
$6.917.68 (J Car Loan)
$770.00 (J Personal Loan)
$2,480.00 (J Gov't Loan)

$791.66 (J Previous Car Loan)

TOTAL: $18,520.72


Result: Decreased debt by $1,368.22 this month.
 
Just for fun, the student loan debt:
 
 $62,373.11
 $31,271.43
 
=$93,644.54
 
 
Yikes.

Monday, January 7, 2013

I May Hate Teaching.

I am having an existential crisis. Not really, but it does often feel like my world is caving in lately. I'm glad I'm typing this, because I honestly don't think I could say it out loud and therefore make it a legitimate part of my day-to-day life.

I think I hate my job.

I started the year working for a school in the special education department, anxious to get an opportunity to finally take on a classroom in my home state and see how I made out. I applied on a whim for a part-time position in my secondary field (history) and, surprise, got it! They even made it full time because they liked me! The tricky part is that I'm entering the school in the middle of the year, the teacher I'm replacing joined administration so she's still in the building which I think makes some of the kids not sure how to deal with a new person. Also, this is a small school but it is surrounded by very large, very tough cities. The school has no money and looks it and during my interview, they told me there's a very high turnover rate. On top of that, the most difficult students were given to the teacher I'm replacing because she knew them and knew how to control the classroom. I was also told that my honors class is not really honors, my college prep class is more like a special ed class, and the class I teach in "The Trailer" is a smattering of students not able to handle mainstream classes.

It. Is. Rough.

Honestly, I thought I totally knew that I wanted to be a teacher and that I was a good teacher. I did know that classroom management is my area to improve, but I truly thought that my patience, belief that any student can learn, and the fact that I am slow to anger or frustration would help me do just fine.

Instead, I dread going to school every morning. I know that every class is going to be a battle with at least a couple students. Cell phones are a major issue in the school and most teachers have given up, meaning that a lot of the kids are texting while the teacher is giving a lecture. Basically every student has something awful going on at home, so my sympathy wars with my attempt to be firm and set high standards.

Also disconcerting, I think a few of them can't really read. These are upper level high school students and, when I asked the honors to write 2-3 paragraphs for homework, those who even did it had an almost impossible time. One girl said that she just wrote one long paragraph because her English teacher usually helps her split them into sections. This is honors. This girl is not on an IEP.
How could this happen? I've seen the 7th grade social studies teacher in action and the kids seem good to go. What has happened where they've declined? Or how else can I make sense of this?

Any thoughts/feedback would be great. I want to teach them well, but it's been a really uphill battle.


Thursday, December 27, 2012

Debt (Dec. 2012)

 


Checking in!

$2,500 (Credit Card)
$5,853.04 (C Car Loan)
$7,357.78 (J Car Loan)
$791.66 (J Previous Car Loan)
$867.58 (J Personal Loan)
$2,518.88 (J Gov't Loan)



TOTAL$19,888.94


Result: Decreased debt by $1,419.37 this month.

I was hoping to be a little more aggressive, but we went big on Christmas gifts for each other this year. We don't usually do huge gifts for every occassion but when we do, we go big.

 
We got a stipend for student loans through his program and he thought I used it to pay bills. Instead, that man is now the proud owner of his very own Snap-on tool box.
These things are a necessity for mechanics and they are (along with all the tools he'll be needing) extremely expensive. He got me several items I love including jewelry, perfume, and a sweet SkyPen.

I have been wanting one of these for a while! It is a pen that records audio as well as whatever it is you are writing and then can display it as a video online. I'm not quite sure how everything works yet, but I really want to figure out a way to use it in the classroom. Pumped!

It was basically the biggest Christmas ever. Again, in years past we haven't given each other gifts at all. In fact, his birthday was in December and we had decided no gifts. We don't do anything on our anniversary, either. This was just the year, apparently, that we went for the splurge.

Also, I'll be flying to visit my friend in a couple weeks and we paid for the ticket this month as well. All in all, I think we did ok with the debt considering how many other details came into play this month. Plus, the world was supposed to end, so I was probably a little lax. Ya know.

GOAL
 Pay off everything except J's car loan by June 2013!



Saturday, December 15, 2012

20th Century Christmas

 
 
Care Bears and My Little Pony!

Image source: MoneySupermarket;


Friday, November 30, 2012

Debt (November Check-in)

In the interest of my sanity and well-being, I think I'll skip the student loans since they're horrific. Instead, here's where we're at on our other debt.

$2,490 (Credit Card)
$6,560 (C Car Loan)
$7,793 (J Car Loan)
$879 (J Previous Car Loan on a Lemon- so no car, but still got the payment)
$1,050 (J Personal Loan)
$2,697(J Gov't Loan)



TOTAL: (roughly) $21,469


Result: Decreased debt by $1,312 this month.

Woo-hoo! Honestly, any decrease is good. I'm aiming to pay down $2000 per month against our debt. This month I focused in on J's previous car loan because it drives me insane to pay on a vehicle that is no good to us. It only lasted a few months before it fell apart and we're still left with a payment. (Note for the future: Never buy anything from a family member; it muddies the waters.)

I'm hopeful that by the end of the summer we'll have the pretty much all of this paid off so we can decrease our monthly bills. I am always worried about our financial future and want to wittle down this number so if either of us lost our jobs we would be a little less screwed.

Speaking of jobs, J recently got a new job! He made some great connections through his school and was pulled into a meeting of the institute board and offered a position from a major company. I'm so proud of him! Now he goes to school from 6:30am - 12:30pm, drives straight to work, and doesn't clock out until 9pm or so. He has a tough schedule and is exhausted, but he will graduate this summer and has a very promising career at the company.

ALSO, I was offered a full-time teaching job! I just gave my notice at my current school and at my babysitting job. I am SO happy to be going back into a classroom! It's so competitive to get a job in education in this area and the school seems like such a perfect fit for me. I can't wait!

So, all in all, things are going really well. The problem for me is that, ever since returning to my hometown, I have put immense pressure on myself to finally get my act together. Before, I always felt like I was still adventuring and living a temporary life. On top of that, we never made any kind of money that would allow us to save or make plans; we lived paycheck-to-paycheck. Now that we're starting to "settle down" I'm crazy about getting out from under this debt, specifically my student loans. I feel guilty and can feel them constantly weighing me down. I'm like these guys:


(Marley Brothers from The Muppets' Christmas Carol- one of my holiday favorites!)
 
If and when J and I ever have children, and if and when those children decide to go to college, I'm packing them off to Canada to become residents and get college for free/cheap.
 
 

Sunday, November 25, 2012

Ya Filthy Animal

One of my closest friends, Miss Nanselle, has, for as long as I've known her, wanted to be a part of a hijinks-laden crime duo. She wants to be a part of Home Alone's "Wet Bandits", Part Deux.
 
Which is why I REALLY want to get her this for Christmas.