Wednesday, January 28, 2009

Ah, Hindsite.

OK, Mom and Dad, I'm about to out a little family secret, so brace yourselves: We were a family of spenders. Granted, we had very little money to spend, but when it came to spend vs. save, well, we ran with the philosophy that the former was way more fun, and we'd deal with the latter some other day. I don't ever remember my parents not having credit card debt, car payments and a mortgage. But we still took vacations and tried to live life to its fullest. There was little talk about the importance of saving for retirement, or a rainy day, or the collapse of the global financial industry.

I carried that mindset with me into adulthood. Credit card debt was just part of life, nothing to be worried about. Car payments were what you had if you wanted to drive anywhere. School loans? Well, you were investing in your future, so why not? Two homes? Ok, now we're getting out there, but hey, our first home is in a desirable neighborhood, surely it will sell soon-ish. A new business? It's in the green beauty industry, predicted to grow faster than any other segment of the beauty world, tons of market share to be had.

Worst economy since the Great Depression? Well that wasn't part of my plan at all. And now my life feels like a big ol' deck of cards and it's stressful wondering if and when someone is going to come along and yank out one of the bottom cards. I found myself looking around our Honda Pilot the other day (yet another source of debt), glad that we purchased a spacious car with a DVD player, just in case we ended up having to live in it.

I know we're still in the "lucky people" camp. The business is doing pretty well - all things considered - and we both still have our jobs - fingers crossed - and all of us are healthy - finally. But at PDI we've had to take pay cuts, and sales at the NOB have fallen flat this week, and so I can't afford to hire help, which means I'm still working 70 hours/week, not counting the hours when the kids are awake. Again, stressful. So please, buy yourself some natural soap, or shampoo, or lipstick. Do it for the children. : )

Speaking of which, for the most part, the kids are great. Assuming I remember, I really will post some new pics on here tonight. If you happen to be a Facebook friend of mine, you can see some fairly recent photos. Eliana is delightful, but I know she's still not breathing well enough at night to be rested during the day. She gets so tired by 6pm, she looks like she's been using meth or pulling all-nighters to prep for an organic chemistry exam. But she's brilliant and so compassionate. No one really predicted that last trait, but she is endlessly patient with Meron, even though Meron's behavior toward Eliana is unpredictable at best, and downright mean at worst. She still gets crushes on boys, usually older ones, but I think that's just going to be her. Her gymnastics skills have increased dramatically, which has me a little excited, given her petite frame and abs of steel (you have to see what she can do to really grasp what I mean).

Meron is much better since her surgery, but man is she still Two Years Old. Last night was the worst night we've had in a while. I think what makes it so horrible when she is having an off night is that her scream hurts. My left ear still smarts a little bit this morning, I kid you not. And when she's screaming in the car, I keep thinking we should hire her out to the CIA for use in their interrogation methods. Then I remember Obama's recent executive order, and conclude that there is no way Meron's scream falls within the rules of the Army Field Manual. It would, however, be highly effective. Had Eliana screamed like that, I would be deaf. So thank god for little miracles, I guess.


TBRKO said...

Okay Terri. I know nothing about your daughter's health, but two of my kids' health improved greatly when their tonsils/adenoids were removed. Ryan had breathing, snoring, etc problems. Olivia just got the crud a lot. That's my two cents.
I found the beginning of your post interesting. My parents (dad especially) pushed saving, saving, saving all the time. In fact when I began working at the TF, I had to put 1/4-1/2 of each paycheck in savings. Funny how we learn things from our parents, and we don't realize until much later in life that it's not the only way to live!

sunlily said...

what is wrong with Eliana?? why is she not breathing well??? I'm all worried now....I'm glad Meron is better after her tubes were put in...thats got to be hard...

John said...

Funny, I was raised that way too. My mother once told me that it's okay to have debt and obtain cash advances when I'm old enough because it's part of every person's life. Actually, my clothing business was established using debt money, and I worked hard to pay everything back. But things are different now. I get business cash advances without sacrificing profits. It's a convenient process specially designed for entrepreneurs.