Showing posts with label Money. Show all posts
Showing posts with label Money. Show all posts

Sunday, August 29, 2010

Kindergarten

Conor starts kindergarten on Tuesday. We thought he was starting last Wednesday with the rest of the Charlotte Mecklenburg system. We thought wrong.

Apparently, here at CMS, they have a staggered system. We thought (along with many other first time parents) that meant that not all the schools start at the same time in the morning. While that is true, it also means that kindergarteners get a "trial" day the first 5 days of school; that is, they only go one of the first 5 days of school. So some kids had their trial day on Wednesday and then start kindergarten for real the NEXT Wednesday, we have our trial day on Tuesday and then start for real on Wednesday.

So, um, yeah. That's actually fine. Conor starts kindergarten in two days. And actually, the twins start daycare tomorrow.

Halle-effin-lujah. We had two great nannies. Two women who were fantastic with the twins. But I am going to be so glad to the twins back to our regular daycare where I don't have to worry about what to tell someone to fix them for lunch, if I have the food I want them to have for lunch, if there is enough food for the nanny to eat something for lunch, does the nanny know how to prepare what they should have for lunch, and then to repeat the whole thing again for snack. Seriously. We loved the nannies, but I am so glad to be sending them to daycare.

Of course, the panic attacks in the middle of the night of how we're going to do all this have been a lot of fun. First, we cannot afford after-care for Conor. We were going to send him to an aftercare program at our church, but we honestly and truthfully do not have the money. How is that possible? Due to an amazingly low fixed rate mortgage we are not paying any more for that. And we were fine when it was just Conor is daycare, so what the heck?

I'll tell you the heck. It's doubling the daycare payments AND the new car payment. We had paid off both cars a while back so we didn't have a car payment. But the twins can't fit in a jetta, much less the twins, Conor, Dave, me and sometimes a dog. Here's a number that made Dave and me slack jawed in pain and anticipation: in 4 years when the twins enter kindergarten and we pay off the car, we'll have $2,000 more tax free dollars per month to, I don't know, to do what? That is so much money right now, we could use it for toilet paper and still end up ahead.

So that's been part of the panic attack--we have no money, we can't afford for Conor to be in after school care, but I, um, kind of have to work! But then we got some good news and some kind of bad news that helped solve the after school dilemma. Basically, if Conor rides the bus and I take him to the bus stop, I will have plenty of hours to get my work done during the day and Conor will not be in after school care. That's the good news. The bad news is that it will be a long-ish day for Conor--although not really longer than daycare. But it will start early. REALLY early. The twins' time in daycare will be about the same as Conor's has been these last 5 years, but not worse.

So that's where we are. I think it's sort of funny that people think I'm having a hard time with the twins going to daycare. But I don't. I'm more worried about Conor. I want him to have enough free time during the day--that doesn't involve sitting on a bus. I know it's going to work out. It always has. But the transition is going to be a little crazy and that's a little bit overwhelming right now.

Tuesday, January 19, 2010

Bread

Michele from In Between the Parentheses, who is a real bread baker, asked about our bread. We are still following the Artisan Bread in Five Minutes a Day book. Honestly, it is the easiest thing I've ever cooked. And 5 minutes a day is the maximum I spend making the bread.

The challenge, though, is in the planning. If I want bread tomorrow night, the easiest thing to do is make the dough tonight and then bake it tomorrow afternoon. That gives it time to rise and time to bake and cool. But my active time in actually doing something is never more than a few minutes a day.

We've even been making sandwich bread using their dough. I bought some wheat dough and tomorrow, I'm going to try out the light whole wheat bread. We've even made our own pizza dough using their recipes and it's YUMMY: light, crisp and fresh tasting.

Have I mentioned we now have a weekly pizza night? Every Friday night is pizza night. One pepperoni for Conor and Dave and one grown up pizza for Dave and me. (Dave eats a lot of pizza). This week's grown up is going to be some variation of chicken and pineapple.

OK. Time to wind down.

Have I mentioned how wonderful our new nanny team is? How AMAZING? How much the babies love both of them and How. Much. They. Clean. The. House. A friend just pointed out some research that women professors with paid help at home are more productive in terms of publications than others. I'm thrilled to find this out. It may make next year's choices a lot easier---stay with Nanny Team or go to daycare.

Monday, January 18, 2010

Menus

I have read that one is supposed to do this, but I've never been able to stick to it until recently: weekly dinner menus.

I am finding this to be really, really helpful in organizing ourselves around here. Sunday night, I figure out what I have left in the fridge and what the organic produce folks are going to bring and what I ought to eat out of the freezer. Then I make changes in the weekly food chart. Then, for the last two weeks, I figure out what I'm going to order from HT.

I was quite lame in last week's online ordering, not understanding why my master list was filled with wine purchases. Then I realized Dave had gone to the store to load up on cheap alcohol. Once I deleted those, then all my regular stuff was right there. I can click on something and add it to the list. Or not.

I'm also putting together a master grocery list. This is a list for HT, TJs and BJs (Harris Teeter, Trader Joe's and BJs, a local club shopping center). I'm trying to put on each list what stuff we use is the cheapest where. And my goal is that's the only place we buy it. For example, wine is verboten now anyplace but TJs because it's so cheap there. Whole chickens are at BJs only because they are cheap ($.89/lb).

This has to be one of the most boring blogs entries I've ever written. Really? Who the HELL cares where we buy our groceries. The scoop is that I am obsessing on saving money. March 1 is our first mortgage payment for the remodel, which is not all that different from the mortgage and equity payments we made before. It's just that now, we have an additional $1200+ childcare payment. That will only last for 4 months (March, April, May and June) at which point Conor graduates from daycare and we get back $700 a month. (Can I just point out that right now, we're paying at least $1900 in daycare costs per month; we were used to Conor. Now we have Conor and the twins)

So until Conor graduates from pre-k, we are going to be freakin' broke. I mean, the budget is not clear how income is going to be greater than or equal to output. In looking at our budget, the thing we by far spend the most on per month is food. Even the occasional Target or Home Depot splurge doesn't hold a candle to what we regularly spend on feeding ourselves each month. (And we're not buying steaks folks--we eat healthy and frugally; leftovers do not go to waste around here). So my goal is to continue eating healthy (including the organic food delivery; it's not as bad as you'd think) and frugally (I'm making my own bread; we are not eating out; I'm buying dry beans and cooking them instead of canned beans; we are eating less protein and more economical whole grains). And BTW---online shopping completely gets rid of all that marketing and product placement effects that consumer packaged goods have spent years perfecting. It's OBVIOUS what the best price is. Yay for the consumer on that one!

So again, NOT VERY INTERESTING. But that's our lives.

Speaking of spending a boatload of money and the complaining about being poor, I need to get some pictures of the finished house. We love it. And the twins. We wouldn't make a different choice on either for the world. Just going to be a bit tight for a few months.