reverse threading

the path back is the path forward

Tag Archives: budgeting


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urgent needs. [kerri’s blog on merely-a-thought monday]

the grocery store receipt reads $157. there is no meat on this bill. there is not much on this bill. we made a menu, made a list from the menu and shopped to the list. there may have been an exception or two: a 99 cent box of tissues and a loaf of bread that somehow didn’t make it onto the list. $157.

we are frugal. and we know that – when the ridiculous tariffs take effect – this $157 will be lots more.

on the way home we talked about how families are doing it. sans high wages and benefits covering health insurance, it seems like it would be impossible to exist. it is a world – this country – that is leaving the middle class behind, burying us all in costs, living expenses, debt. all imposed with a side of apathy and cruelty. my heart hurt for the man standing on the other side of the road with a sign asking for help.

it takes an instant to go from feeling shaky to feeling fortunate.

and being washed in gratitude is empowering.

we can make more with less, we agree. we can make meals that extend leftovers for days. we can ignore the frivolous and buy only the practical. and we can help.

the local food pantry/shelter has an easy-to-access list of needs on their website. it is clear. i called to make sure that something that was labeled as “urgent” was still considered urgent; we wanted to address that need the best we could.

driving away from the center after dropping multiples of their “urgent need” was a gift. it was a reminder of all the times someone has sensed an “urgent need” in us.

and sometimes, in those moments, somehow the white light of the universe enveloped us and someone stepped up to help.

we are all capable of being that white light. and – in these times of need, these times of people’s lives being beaten down and minimalized, these times dismissive of compassion and care – it would seem urgent – and incumbent upon us – to gather that light and pass it on.

*****

read DAVID’s thoughts this MERELY-A-THOUGHT MONDAY

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we aren’t the only ones. [kerri’s blog on saturday morning smack-dab.]

we aren’t the only ones.

predatory-lending student loans. it’s not like i haven’t written about this before, most notably from a post called “sense?” on october 24, 2022:

“predatory lending in the student loan arena began around 2000. the arrow of the poison bow hit david in graduate school. it has not let go since. navient – one of the big student loan lenders – took part in subprime loans, private loans, misrepresented loans, aggressive forbearance-steering, sloppy accounting, the list goes on. and people’s lives – real people in the real world trying to make a real living and pay off real debt – have been skewered forever. crushing debt…in story after story in which interest is principalized, in which families aren’t given income-driven options, in which the debt rises instead of falls even as diligent efforts are made to pay down this farce of lending.”

and so now – after enormous governmental party-line fights to help-no!-help-no! we are back there, facing down a ridiculously ballooned forbearance-steered-misrepresented-principalized-interest-unforgiven set of loans.

and we aren’t the only ones.

it’s pretty overwhelming. it’s middle-class america.

we’ve consolidated, paid thousands extra when we could, applied for limited pslf and hope the idr count catches up. i have read student loan op-eds, student loan announcements, student loan laws, hundreds of student loan articles. i’ve placed phone calls and have more-to-dial on my list-of-things-to-do.

and the billing statement arrived.

there’s not much more deflating than treading water when the shore isn’t visible.

and we aren’t the only ones.

we have been the recipients of snarky comments about responsibility and snide remarks about artists and money-budgets. we have been sneered at and scoffed at. mostly by people who haven’t asked any questions – a recurring theme – by people who don’t understand – nor want to understand – what has actually happened in the warped world of student lending.

and we aren’t the only ones.

right now, the statement says we’ll pay david’s loans off in 2048 with an additional $40,000+ in more interest. but “student loans were never meant to be a life sentence,” (united states secretary of education miguel cardona.) we will be 87 and 89 in 2048.

this isn’t a funny SMACK-DAB. it’s not touching or poignant. but it is real. it is reality for millions of people victimized by dysfunctional practices – student loan malpractice – the government should have overseen.

we aren’t the only ones.

*****

read DAVID’S thoughts this SATURDAY MORNING

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the chicken-line. [saturday morning smack-dab.]

we don’t always get a rotisserie chicken. we are eating waaay less meat and waaay more vegetables, often choosing a meatless dinner or a plant-based alternative. costco, however, does make serious down-to-the-wire-budgeting a little less painful with a $4.99 rotisserie chicken that we can literally turn into three evenings of dinners.

the other day, we pulled up to the chicken-line, jostling our way past other shoppers who were vacillating “chicken-no chicken-chicken-no chicken”. there was a young woman with half-a-cartful eyeing the chicken-line, not in and not out.

i asked her, “are you in the chicken-line?” she responded, tentatively, “i think so.” she had a little bit of a lost look on her face so i asked her, “is this your first time in the chicken-line?” to which she responded with an emphatic “yes!”. i told her that it really is quite the experience, almost cult-like – to which she looked uncomfortable. i hastened to add that there are many chicken-line things to ponder – ie: the way the clocks on the ovens work – giving you false hope that it’s almost T-I-M-E and then realizing it has numerous cycles and countdowns. i didn’t tell her how much i think about the chickens. i didn’t mention the guilt. i welcomed her to the chicken-line, parallel parking our cart behind hers. then we waited. quietly.

the costco chicken-people extracted the roasts from the oven and – incredibly deftly – containerized them for the chicken-warming-station-counter. we moved forward.

the young woman was waiting by the packaged quinoa salads, straight ahead, about ten feet further down. as we passed, she looked at us, catching our eye, smiled and said, “thank you for sharing that experience with me.”

we were touched.

forever chicken-line friends.

*****

read DAVID’S thoughts this SATURDAY MORNING

SMACK-DAB. ©️ 2023 kerrianddavid.com

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what if? [saturday morning smack-dab.]

we grocery shop at woodman’s. on purpose. charlie says that – even years ago when he shopped there – he figured out that every third time his shopping was essentially free (as compared to other stores). i would tend to agree. they do have the best prices.

but we don’t buy everything there. we do, however, buy many plant-based and gluten-free foods there and all our non-perishables there and all our paper goods there and all our pet supplies there and all our drinks there and our wine there and and and….

even so, i checked out the other day – with nary a gargantuan list anywhere around – and noted the total: $196. 68. whattheheck??!!! this was not a big shop!!! it wasn’t like we had groceries for now till kingdom-come, as my sweet momma used to say. goodness!

every single thing we purchased had gone up. 20 cents, 50 cents, a dollar, two dollars. every single thing. in each case this was as much as a 20-30% hike in price. it was disturbing. this has happened each time we have shopped. i mean, black beans used to be 99 cents. they are now $1.19. garbanzo beans used to be 99 cents. they are now $1.29. that’s a thirty percent increase! the olive oil increase was off the charts and the gluten free pasta $2.39 from $1.99. in even bigger news, the laundry detergent isn’t even available in the larger – more economical – container.

we have noticed.

and we are worried. if things keep escalating at this rate, we will be out-priced at the grocery store. it is shocking.

we got our gas/electric bill the other day. we used significantly less natural gas and electric, yet our bill went up $45. monthly! that’s not even to mention healthcare, internet and cable, cellphones, insurance, vehicle expenses, real estate taxes…

we are really really good at stretching…meals, leftovers, budgets. we are really good at wearing layers and keeping the thermostat down, way down. but there comes a point when we look at each other and say, “what if?”

*****

read DAVID’s thoughts this SATURDAY MORNING

SMACK-DAB. ©️ 2023 kerrianddavid.com


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math geek. [saturday morning smack-dab.]

mathletes. i loved mathletes. a math quiz team, we gathered and did math problems and equations and then went out and about, competing. apparently, it stuck. i blame woody p. and then, mostly, mr. h, everyone’s adored high school math teacher. i still cannot help myself. it’s constant, this figuring-out-thing. and, though i would love to maybe forget some of the number details, i simply can’t. i love math.

and so poor david is stuck listening to me as i study stuff, run the numbers, figure percentages and cost per ounce, apply coupon discounts, choose items or discard them as choices. even though i know it’s way-too-much-information, it spills from my brain and out of my mouth before i can help it. again, mr. h’s fault, making me a total math geek, but i love him for it anyway.

the fuel and heating guy came to check our boiler. it’s about thirty years old now, but a workhorse and there is a coupon that comes in the mail every year to remind you to have it serviced. as he went back out to his truck to write an invoice he asked, “do you have the coupon?”

do i????

of COURSE i do!!

and the best part (other than the a-ok on the boiler)???

figuring out how much we saved because we had The Coupon.

life is good.

*****

read DAVID’S thoughts this SATURDAY MORNING

SMACK-DAB. ©️ 2022 kerrianddavid.com


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drum roll, please. [d.r. thursday]

we have waited.

it’s not like we will get a medal or a certificate or a trophy. we will not be featured in a newspaper article we can clip and put on our fridge with the pizza-place-magnet. we won’t be acknowledged on a who’s who list nor on a marquee.

but we waited anyway.

the fuel and heating company is coming on friday to do a check-up on our boiler. in the meanwhile, we have waited.

until now.

it is with a mix of pride and trepidation that i will approach the thermostat. under the flannel sheets and the comforter and the quilt all is well. but step out and whammo! the cold is biting. and that’s IN the house.

one glance at the grasses out front – oddly looking like a packer-backer display – and you know it’s fall. no doubtaboutit.

the weekend before this just-past weekend – that would be two weekends ago just to be clear – i pulled out a pair of boots with fake fur in them. the fur was visible at the ankle. i wore them out. and it felt completely wrong. it was too early. i put them on the steps to go back upstairs into the winter shoe bin.

but they never made it up there. because – suddenly – in the briefest of days passing – it was no longer too early. the autumn winds have found their way here and fur is in order.

so, today as i type – a few days before the day that this post publishes – my nose is cold and my hands are freezing. and i have to give in.

i need to turn on the heat.

there is something wistful about that. the end of summer. a time of fallow to come. it was christmas in the home improvement store the other day and it’s not yet halloween. for a few moments, i panicked, thinking about how i had not completed or even started any presents-shopping. i mean, whattheheck, i just started wearing furry-ankle-boots. i relaxed as we passed the trick-or-treat candy display and the plastic pumpkin pails and perspective returned.

so – though i am hoping the fuel and heating company might come a little sooner – maybe someone will cancel their check-up, deciding to tough it out ala life-below-zero folks, deciding that mr. we (as 20 calls the electric and gas company) won’t be racking it up – atleastnotyet – on them, deciding it’s not that bad and wearing one of those snuggies – the official blanket with sleeves – all day – i think that it just might be The Day.

at the very least, maybe we could have a drum roll.

*****

read DAVID’S thoughts this D.R. THURSDAY

earth interrupted vii (48″ x 36″)…the colors of deep fall
(the snuggie from my sweet momma)


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juicy fruit gum and frank. [saturday morning smack-dab.]

the lyrics are going through my head. “stretch your coffee break! top it off with juicy fruit gum!” i can hear the jingle. over and over.

there is only sooo much you can stretch a coffee break. a few minutes is merely that – a few minutes. kinda like there is only so far you can stretch a $dollah. i mean, one $dollah does not go as far as it used to. stating the obvious. just saying. anyone shopping at the grocery store or filling their vehicle with gas can tell you that. not to mention house sales, rents, deferred maintenance items and – the big one – healthcare. the mighty $dollah just doesn’t stretch.

so, for two artists, in carefully planning how to execute a retirement, there is much to finagle, much to calculate, much to belabor, much to bemoan. and then – like the rogue waves they are – stuff gets in the way. and the aggressive efforts at The Plan get undermined, waylaid, jolted.

we will retire. someday.

frank sinatra croons to me, “fairy tales do come true. it can happen to you. if you’re young at heart…”

*****

read DAVID’s thoughts this SATURDAY MORNING

SMACK-DAB. ©️ 2022 kerrianddavid.com


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we’ll see. part two. [saturday morning smack-dab.]

i mean, i love calculators. really love them. i got excited the other day when i found a TI-30X IIS in a basket i was going through. sheesh. i blame my high school math teacher, a man everyone adored and for whom we all worked really hard. he’s one of the reasons so many of us ended up loving math…still.

and so i am the billpayer. i have a dollar store calendar with due date notations each month which serves as a folder for outstanding bills. i check it often and keep track of spending. i prepare our personal and business taxes in february, a task – everything line-item-ed to bring on to the accountant – that is sometimes daunting, but…ya gotta love all that math. i never really mind any of it. sometimes, though, i wish the numbers were different. it would maybe be a little easier with better numbers. sigh.

the aarp magazine and newsletter come into the mailbox and i peruse them for thoughtful advice, words of wisdom, pointers. invariably, they have some article on retirement – which is, of course, their real area of expertise. and, along with the article that lists all the things you need to “successfully retire” (aka do whatever-the-hell you want) there will be lists of IRAs and 401ks and savings pie charts and spending allowances and how they proportionately relate to each other and your life post-wage-earning.

good grief.

it is not in my best interest to take these too seriously.

by the time we are fully retired, with inflation going the way it is – gas prices and groceries, continually rising heating bills and let’s-not-talk-about-cable anymore and oh-right-then-there’s-healthcare – we might have like zilcho to spend.

i love the articles about places to retire to – small towns and lakefronts, unexpected charming villages. there’s always the question of retirement living communities with amenities and activities or planned gated neighborhoods or mobile home parks set in tropical locations.

with housing costs and rents rising ad nauseam, it is hard to think about having the resources to purchase a new home and move. we dream and look at tiny-house plans. we consider this beloved old house we live in. we wonder about traveling. we wonder about adventures. we wonder about the pacific crest trail.

we make a strict budget, planning ahead. i thank bill h., my math teacher, for the ability to think it all through and do the math in my head. and i warn d.

so in our fun and adventurous retirement, after working hard in our lives, after judicious and frugal-no-real-frills spending habits, i calculate our likely extraneous income…that expendable fluff – like reddi-whip piled high on top of a hot fudge sundae – and i tell david.

“zero,” i inform him. “we can spend zero.”

we’ll see, i guess.

*****

read DAVID’S thoughts this SATURDAY MORNING

SMACK-DAB. ©️ 2022 kerrianddavid.com