The kids' school is trying something new this year....instead of early dismissal for Professional Development Days at the middle/high school level....they are doing Late Arrival. Today is the first of 6 days over the school year (the elementary school is doing 18 early dismissals!!)
The kids normally catch the bus at 7:30am. Today it will arrive at 10:04. Good grief. Don't they realize that this is a royal PITA!!! At least there is only 6 of them.
I am home sick today. I am not sick enough to be in bed all day, but definitely not well enough to be in the office. I brought some stuff home with me over the weekend, so as soon as the kids are gone, I will sip my tea and read some reports.
The reality of the government shutdown....still confusing everything!
The government has passed retro pay. All those who haven't been working will still get paid, which I have mixed feelings about. While it wasn't their fault....they will get paid for doing nothing. Those who have continued to work (like G-man), will also get paid...but they did WORK. Not sure if we are in such a budget crunch if paying people to do nothing is the best idea.
G-man's next scheduled pay date is Oct 17, but usually direct deposit hits 3 days earlier. This happens to be a holiday, so it would hit on Oct 15. If it happens. It will all depend on the Federal Finance Center and how backlogged they are. Plus, no idea what the paycheck will actually be. While retro pay has been approved....it doesn't say WHEN we will see it.
Plus, we don't know how many scheduled furlough days we will have over the year.
Additionally, the retirement loan comes directly out of G-man's pay. When his paycheck is calculated...all the taxes and scheduled deductions come out first. Then the remainder is split between 3 accounts.....mortgage, car, and whatever is left goes into our checking. Usually this covers all of our Capital One savings accounts for our various pre-savings (cat, Christmas, medical, etc). I am going to have to shut all of those off and do it manually, if we have the money to do it at all right now. I may have to play catch up.
I am planning on paying something on all the bills, but may not pay some things in full. I want to make sure we have enough money to pay for food, gas, etc. I am not worried about the electric being turned off or anything like that. But we may be a little behind for a bit. The water bill is due in November (we will get the bill during the first week of Nov), and we may have to hold off on it, even though I have pre-saved for it.
All of this is scary. Despite our 67k in debt....we have been working hard over the past years to plan for expenses, and this is all getting blown up.
The car. *sigh*
G-man found 2 possible cars on-line. He will probably go look at them tomorrow. Neither are ones we would normally pick, but we just need a car that is will get us to and from work.
We decided against a private sale, as we would have zero recourse if the car is a total dud. If it was someone we knew...that would be different. But we are looking at cars that are under $5k...which even that much is really hard for us to swallow.
I have to call the credit union today and find out what the parameters of a $5k loan are. I am guessing that won't stretch it out for very long. We need to get the monthly cost within the budget though.
However...some of the "savings" per month will come from knocking the insurance down (in reality, we probably have too much insurance on G-man's now dead car), and better gas mileage. But we can't swing hundreds of dollars a month.
Enter his mother. She offered to "help" us. Oh no....here we go again. I don't want the strings (which G-man claims there are none of). She didn't realize that the government shutdown was effecting us (c'mon...your son works for the FEDERAL government...how could you not know anything?). And now with the car...she offered to whip out her checkbook once we found something.
And in typical G-man fashion....he has no idea what all of that means. Loan vs gift? How much?
*stepping onto soap box*
Mom, if you want to help....then help. Don't make us come to you with all the details. If you want to do something...then do what you feel is appropriate. Don't make us say "the car is $5k" and put us in the awkward position of naming a number for the amount of the check.
I don't want to take the money from her. It will really suck for us right now....but I don't want this looming over me. Now, before you all yell at me about stuff I have said in the past about the parental units.....the kids are a different story. If a grandparent wants to pay for camp (which we have heard many times before and has only materialized once in 7 years), or school clothes or whatever....then fine. But again, we aren't going to come to you for the money. If you want to do it, then just do it.
On the flip side....boy it would help out if we didn't have to deal with another car payment!!
If you made it this far....you earned a sticker! Yay you!!!