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Home > Deflated. Totally floundering. Lost my mojo and can't find it. Sinking.

Deflated. Totally floundering. Lost my mojo and can't find it. Sinking.

July 21st, 2014 at 06:25 pm

How is that for an attention-grabbing post title? Pretty much describes me and where I am right now. Not usually this down and depressed.

We returned from a wonderful vacation. Wonderful family memories made, with both immediate and extended. And then I made the fatal mistake of thinking we were coming home on Thursday. It really should have been Wednesday. For the life of me, I can't figure out how it exactly happened that way. I told everyone the dates, rented the car for that long, and made hotel reservations accordingly.

Well, long story short, it took an additional $1,400 to get everyone home. Roughly $200 per person. To fly on our original airline would have been $500 per person (and there are seven of us). We had an additional two days at the beach and we are all tan and healthy looking. I perseverated about the money thing for a good 30 minutes until my mother said, "Honestly, Laura. It is only money." And she is totally correct.

However, we are facing unemployment. Last day of DH's job is 8/29 and there aren't a lot of prospects out there. The one promising lead is now a dull flicker, not quite yet smoldering. So I have $1,400 more in credit card debt. And I'm perseverating.

August is a three-paycheck month. I am trying to desperately stretch those funds.

Here is a snapshot of July: Paid $1,053 to one high school (25% of balance), $850 to other high school (combined with stipend from hosting foreign exchange student, paid $40% of balance), paid $150 to elementary school (12%), paid $2,000 to property tax.

I had planned on August's funds this way: $567.75 to high school 1, $550 to high school 2, $150 to elementary school, $1000 to property taxes, and $1,750 to mortgage. We are one month ahead on mortgage.

I am wondering if given my mindset if I should just pour all the funds into one pot and then just make the regular monthly payments? I also have to take care of a crown for DH, and a plumbing issue. I am regretting the purchase of two occasional chairs for the family room, but we were in desperate need of seating and the boxes are gone, the chairs are used, etc.

It doesn't help that I am tired, PMS-ing, feeling overwhelmed, under-motivated, etc.

So there. That is my sad story. I must return to my pity party. And mourn the loss of $1,400 due to my own personal stupidity.

One upswing: Ended up with two A's from spring quarter and like my 4.0. I joined a used book exchange and won't have to purchase books for the Fall. And I flew into Minneapolis/St. Paul, ceejay did you see me wave. And I survived the small plane ride to Chicago, small as in plane, only four seats across. And I didn't even puke. Smile

10 Responses to “Deflated. Totally floundering. Lost my mojo and can't find it. Sinking.”

  1. Carol Says:

    Oh, that is a shame. But congratulations on the 4.0! Remember, forgive yourself and go on. Most likely you won't even remember by October once school and the fall is underway.

  2. creditcardfree Says:

    ((Hugs)) We can take these things so seriously sometimes, can't we? It is only money, and I would guess you are upset by the $1400 because it could have been prevented. And that is one of the worst kinds of money lost.

    I think you might like having the cash to hold for awhile, even if earmarked for mortgage and school payments. I know I like to have cash in the bank to make me feel more secure. Make the minimum payments you need, including that mortgage payment if you are paid ahead.

    Keep posting so we can pull you back up!! Smile

  3. Bluebird Says:

    These things happen sometimes, we all make mistakes. Focus instead on all of the accomplishments you've made, you're doing a great job! Don't let one mistake overshadow all your hard work. Be kind to yourself! Glad you had a wonderful family vacation!

  4. PNW Mom Says:

    Congrat's on the 4.0! Sorry about the $1400 Frown It's great you are ahead on the mortgage, but I wonder, with unemployment looming, would it be better to just be current on the mortgage and stash the extra cash? Hang in there!

  5. Looking Forward Says:

    Yeah it really sucks about the money... but you had a wonderful family vacation and that is something I'm sure you wouldn't take back even to save that money.

    Congrats on your good grades. Smile

  6. snafu Says:

    Enjoy your memories of the best parts of this holiday, I hope you have lots of photos. What do DKs list as best memories? Can you philosophize that it is what it is and you'll deal with it? You have a plan in place and you've coped ok. If there is nothing on the horizon DH can take temp gigs via the recruiters. Has he established the date he is eligible for Unemployment benefits?

    I'm reading Bargain Fever [Ellwood] which explains why we feel so bad when we have a financial loss and fail to celebrate the hundreds of excellent financial decisions we make. Does your library have the e-version to download?

  7. SecretarySaving Says:

    If DH only has a job for one more month. Why was there a need to go on vacation? I think right now you are in emergency mode and should pile up cash as quick as possible because you don't know what is going to happen. With mouths to feed and a mortgage to pay is it necessary for you to pay for school for high school 1, high school 2, elementary and school for you. Have you thought about not taking classes next time around and looking for employment and/or putting children in schools that are free? I'm sorry that you are going through a hard time. I sure hope it gets better!

  8. laura Says:

    @Secretary Saving, Very valid question regarding timing of vacation. My children are the only grandchildren/great grandchildren/grand nieces and nephews to my mom's side of the family. My grandmother is 94 and no longer travels to the Midwest. She funds the trip and the amount sent covered air/hotel/car. We were able to save $1,100 cash for spending (came home with $240), and my uncle purchased the Disney and Universal tix. You can assume that side of the family is incredibly generous. My husband did have vacation time. I was really far more upset about my own stupidity and the loss of $1,400 that I could use now.

    We are devout Catholics so tuition for the kids is non-negotiable. Because we are in ministry and service, our elementary school tuition is manageable. My daughters have both received academic scholarships as well as financially-based grants. I'm able to pay cash for my tuition at a local seminary. My firs quarter did yield me a part-time job.

    DH will have severance and unemployment.

  9. CB in the City Says:

    I think you did a pretty great job of getting everyone home for only $1,400! Bear in mind that it's no larger than a typical emergency car repair. Yes, it's a bummer that you made a mistake, but every human being makes mistakes.

    As far as what to do with the August funds, I think it's a wash so do what feels the best to you. If it were me, I would want to hoard the funds in savings, but if it feels safer to pay ahead on tuition and mortgage, then do that.

    You are tired now. Focus on the great memories you made, get your rest and face the future tomorrow. I think you'll be just fine.

  10. rob62521 Says:

    Get some rest, try to relax. Yes, things look tough, but you have met other challenges, my money is on you! It sounds like you are overwhelmed. You had a nice trip, you are home safe, and you will succeed.

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