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Today is the Tomorrow I Worried About Yesterday!: Mbkonef's Financial Follies
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Today is the Tomorrow I Worried About Yesterday!

November 14th, 2006 at 07:39 pm

I am starting this blog more for myself than anything else but if it entertains/enlightens others, so much the better. I am a mom to 4, wife of 20 years and part time administrative assistant. I was raised by frugal parents and have pretty much always been frugal by nature. When I was in high school I banked the majority of my paychecks and prided myself on never having made a withdrawal from my savings account. Oh - those were the days. My DH is pretty much the opposite but over the past 20 years I am slowly converting him to my way of thinking. Not as much a conversion as I would like but he has definitely seen the method to my madness. He still has his small splurges on things that drive me crazy (why does he need to stop to buy a soday for $1.29 at a convenience store 5 minutes from home where there is cold soda in the fridge???0 but after 20 years, you just learn to look the other way at silly little things like this. I am sure I have my share of money saving things I do that drive him equally crazy but he is turning the other way also.

Lately (past 5 months) I have been feeling more obsessed by money/finances than usual. I am somewhat of a finance geek in that I read personal finance books, budget books, etc. for enjoyment. Of course, I do not run right out to buy them, I get them from the library and then if I feel they would be a good reference book, I buy them used on Amazon etc. Anyway, I was a stay at home mom until 2 years ago when my youngest started kindergarten. I always worked part time but it was flexible and usually evenings etc. after the kids were in bed. DH was always the primary breadwinner and did a nice job at it. Our only debt is our mortgage and payments on his truck, which were being covered by his employer. 5 months ago, (one day before our 20th anniversary I might add - can you say bad timing!) his employer called him into a meeting and laid him off. He was a sales rep and they told him he did not understand their approach of "valued added" selling ie. he should have been able to talk his customers into the higher prices his company wanted based on his superior service. Too bad but his customers are builders who are looking to squeeze every last dollar and are totally not willing to pay extra for service. Anyway, 5 months later with the housing market in a total slump in our area, he is stil out of work. We have been living off my small part-time income (which used to go straight to college funds), unemployment and our emergency fund. Back in June I thought he would have no problem getting another good job and we might even be ahead since they paid him back vacation pay thru July. Ha ha! At this point I am just taking everything one day at a time and trying not to sweat it too much. It is just so frustrating to see the money we worked so many years to save slowly (and sometimes quickly) draining out of our savings. But, back to my title, I keep telling myself, today is the tomorrow I worried about yesterday and we are still plugging away, trying to stay out of debt and find him a job. Can't come soon enough for me!!! Okay, enough ranting for today. On the positive side, I have a job, we have a home equity line of credit we could tap if all else failed and we have managed to go 5 months without increasing our debt! Yeah!

8 Responses to “Today is the Tomorrow I Worried About Yesterday!”

  1. tinapbeana Says:

    1st of all: welcome to the boards!

    2nd of all: things are tough going right now, and i wish you all the best. on the other hand, i'm just grateful you had an emergency fund up, running, and ready b/c that puts you ahead of so many other folks in the world...

  2. janH Says:

    Welcome, welcome. So sorry your family is going through such a rough time. I just hate it when employers just let good people go without talking about strategies and goals they want so you can make your own decision about whether or not you can do things their way and be in control of your situation. Here's hoping that things turn around real soon for your husband. You've got a lot of people on your side here rooting for you.

  3. Broken Arrow Says:

    Woah. I had to think about your title for a minute there. Big Grin Welcome!

    I am starting this blog more for myself than anything else but if it entertains/enlightens others, so much the better.

    That is exactly the same reason I write in my blog... to keep hold myself accountable for than anything. However, if someone found it amusing enough, all the better, eh?

    That does sound like a tough spot your family is in right now. Hopefully that will won't be so for very long. In the meantime, please enjoy your stay here. Smile

  4. Ima saver Says:

    Welcome, glad you have joined us. My husband is a builder, and you are right, we are trying to hold costs down so our houses are not to expensive to sell. I hope things turn around for you very quickly.

  5. monkeymama Says:

    Welcome & wish you the best!

  6. bcchiang Says:

    Here's to the brain picking title!

    I'm also new to the boards, and i'm also hoping my postings will help keep me in check.

    I wish you and your family the best!!

  7. fairy74 Says:

    Welcome and good luck! Hope things turn around for you guys soon Smile

  8. spendless Says:

    I think you will soon find that the support you'll receive here is priceless.
    Welcome, and this too shall pass.

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