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Fahrvergnügen? Nein

July 28th, 2009 by Sara
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Volkswagen Logo Cupcake
Image by clevercupcakes via Flickr

Our car took a week-long convalescence last week, and the bill came to about what you’d expect for a stay at a swanky spa: $1,258.04.

Clunk, indeed. Except that’s the sound of our wallets hitting the floor.

The total is about 9 car payments; of course we finished paying off  the car about six months ago. The money we were done shoveling down its twisted, “piss-poor” (our beloved auto mechanic Pat’s words) excuse for guts was earmarked for debt.

That bill went on the credit card, of course — not going “kablooey” at 65 mph being more important than adding another year to the debt sentence.

Here’s the punchline: Our shop guys say the main problem was the whole works was plugged up, and that the only explanation is that whoever owned it before we did never changed the oil. We bought it off lease at the very end of 2003, when it was two years old.

“Carmic” payback? I’m a good driver, but a terrible parker, as my dinged fenders will attest.

Could a car really get that messed up in two years? We bought it from a reputable used car dealer, so I’m not sure that makes sense — especially to take so long from sale to implosion.

That it is healed, if not entirely cured, is without question — it handles like a car and not a rattletrap wheezebag.

But even after all that, our car is still having the last lachen — being a Volkswagen, yah, it communicates to us in an exaggerated German accent.

After one serene day of no beeping about the boot lid or emissions or tracking systems, it’s now back to its default — the “check engine” light.

Scheisse!

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Status Update

July 23rd, 2009 by Sara
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Don’t you hate when a straightforward ‘to-do’ becomes a quagmire of extra steps?

Example A: Do a quick blog post. But I see I need to upgrade my WordPress version. Which means spending some time figuring out how to backup files. And then getting an error message for the upgrade, which is going to require time spent with people who speak PHP SQL and other strange tongues.

Example B: Dry clothes. Damn, they’re still wet! I must have forgotten to turn it on. You know, take clothes out, put clothes in, clean the lint trap, walk away without starting the machine. Another cycle later, still wet. And cold.

Example C: Take car in to figure out why it’s doing the herky jerky. At the end of two days, they think they know why, but it’ll be another two days to wait for the right part.

It’s one of those weeks. I’m trying to channel the patience of Job. The cranky, petulant patience of Job.

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A Personal Note

July 22nd, 2009 by Sara
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Ok, most of my blog posts are pretty personal. But this one concerns the slowed pace of blogging for me lately. I have been battling fatigue for a few months; I thought it was depression. It probably was. Now I think it’s the med they gave me to combat it. Some days I have normal levels of energy; some not. It’s frustrating never knowing what kind of day it’s going to be. (It is not anemia or thyroid, which just came back normal.) Anyway, I haven’t figured it out yet, but I am trying. I do still love this blog and whenever anyone tells me they get something out of it. This month, in fact, marks one year since I started it last July. I still have many posts I want to do. So, keep a good thought.
–Sara

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Great Gardens! A Confessionary Tale

July 14th, 2009 by Sara
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I have alluded in past posts to getting in over our heads in 2006 with a home equity loan. The loan was to cover getting the house painted and landscaping.

That is pretty all true. But here’s what’s true(r): The landscaping part was mostly to get me to shut the hell up about the bleeping side yard. You would never know it to look upon the shameful, weedy, brown-grass scraggle that we call our yard (those parts not pictured), but I was once a serious OCD gardener.

That doesn’t mean I was all that good at it. I uprooted keepers and planted things that were sure to die. I could never get the hang of pruning, no matter how many times I studied the diagrams. Mostly I fretted, and weeded, and watered, and treated pilgrimages to local gardening stores like the Haj. I had organic smelly stuff I mixed by hand to spray on plants. I had nasty chemicals to spray the apple tree to prevent bug infestation. (Which I think I used once. Horribly horrible.) I knew the status of every plant in every bed at all times, and I approached the job of tending them as if they would kill us in our sleep if I did not.

Who knew I would have such mental problems? Before we bought the house, I had grown maybe a house plant. When we moved in, we had no idea it had so many  established flower beds, raspberry bushes, fruit trees, and even grape vines. I saw all that stuff bloom, and I panicked — for four years.

Jungle 2006: Even worse than I remember!

Jungle 2006: Even worse than I remember!

The side yard, which lies to the south and gets the most sun all day long, and which was stuffed with raspberry bushes, yarro, strawberries, and God knows what else, was my Waterloo. After we had a baby, there was no way I could keep up with the weeding and whatnot. It quickly became an unpassable jungle.

The Fix in 2006

The Fix in 2006

Who knows how long I harped on and on about it. I’m lucky I’m still married.

So. The tide of black ink I poured into Bachmann’s cash registers, that purple circus of hell, was finally stanched. First, by a baby, and then another.

I am thankful for children for many reasons, but here’s one I wasn’t expecting — they have helped me to chill the fuck out, slow down, and appreciate what I have. Okay, maybe not the gigantic pile of weeds that has since popped up in another area (also not pictured). But I’m letting it ride.

And, of course, their existence has made it impossible to keep spending money on things that not only do not matter, but do not make anyone happy.

Tonight I did venture, ever so tentatively, into the side yard, which is bent on returning to its natural jungle state.

2009: Return of the Jungle?

2009: Return of the Jungle?

(Seriously, is there anything greedier than a plant? If you have ever pruned a bush that has quadrupled in size in six weeks, or tried to eradicate hedge bindweed — that unstoppable serial strangler — you know what I’m talking about. Let’s all take a moment of silence to acknowledge from whence we spring.)

The kids were glad to help me pull some weeds, play with the sprinkler, and take a whack at pruning. Just before or after the bud? Well, whatever.

Snap.

It’ll probably grow back.

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Money Habits: What to Teach, When

July 7th, 2009 by Sara
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It will come as no surprise to parents that my 5-year-old, who was so hot to trot for a Geotrax “Sir John,” spent his money on the first thing that caught his eye at Target — a Bakugan thingy whose world neither he nor I yet grasp, but that made his kiddy senses tingle.

The June issue of Money has a great piece on “unspoiling your kids” that includes a handy age-by-age chart (scroll down a bit) of what lessons kids can handle, from the book, “The Financially Intelligent Parent. It’s the first resource I’ve seen that talks about starting money education with kids as young as 5, which is, at least in our house, clearly when they seem to start taking an interest!

For ages 5-9, the authors recommend:

  • assigning simple chores
  • starting a weekly allowance
  • talking about money values and decisions, and
  • introducing the idea of charity.

Which can only mean one dreaded thing: Time to get out the star charts.

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Happiness is a Warm Sparkler: Where Spending Overlaps Joy

July 3rd, 2009 by Sara
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{{en|A Venn diagram with n = 5. I wrote a prog...
Image via Wikipedia

Books & Memories is a secondhand book store in Syracuse, New York, with a terrible name and dead web site.
2600 James St
Syracuse, NY 13206-2842
(315) 434-9268

But because visiting it made me enormously happy, I’ll describe it here, so that you may believe, despite the inability to click on it.

Like any good independently owned store, Books & Memories’ ramshackle appearance is part of its appeal — the piano, the oversized glass-display checkout counter, the vintage magazines. The store sprawls out from its center to satisfying library stacks with plenty of comfortable nooks.

It doesn’t take long to discern that “discount” is not shorthand for “junk.” True, the “97-cent” shelf does offer books like, “68 Reasons the Internet is Cool.” But then I spied Updike. And Jane Hamilton’s “The Book of Ruth.” And Margaret Atwood. On the new release shelf, I bought a copy of Caitlin Macy’s short-story collection, “Spoiled,” for $9 instead of the listed $24, as well as Nam Le’s “The Boat,” in paperback, for $5.

Happy Happy Joy Joy?

Yes, I found books I know I will love at “unbelievable prices!” But if you’re skeptical that Books & Memories would make you equally happy were you to visit, then you’re onto the links to come.

My favorite money blog Get Rich Slowly (despite its recent less attractive redesign) just ran a riff on the links between expense and happiness based on a Greg Tierney’s New York Times Lab column, which was in turn based on a reader survey about the subject by Geoffrey Miller, U of M professor and author of  “Spent: Sex, Evolution and Consumer Behavior.

(Whew.)

Readers’ Biggest Expenses included kids, most cars, and boats. Their Most Happy lists included booze, meals with friends, hobbies, education, and charity. What overlapped? Homes, education, travel, electronics, and certain vehicles.

Here’s my Venn diagram of expense versus happiness. Childcare, food, kids and travel overlap both categories. So not surprisingly, my trip to Books & Memories, which was a kid-free trip to visit family and happen upon some books as well, is a ding ding on my happiness meter.

If your definition of “travel” does not include “being able to leave the house alone,” well, I’d be surprised if you’d read this far.

There’s some artifice to these lists, naturally, as it’s hard to reconcile past and future time, whether the “lack” of something would influence our happiness, and the shifting interpretations of happiness. For example, “education” doesn’t top my list of things that make me happy now, but I’m happy to have had it. My car doesn’t make me “happy,” but I’m usually much unhappier when it’s in the shop.

Fresh from picnics, parades, and pie, what tops your lists?

I just hope your “expenses” column doesn’t include an emergency trip to deal with the fallout from an exploding Toot & Twirl.

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Can’t Afford a Pet? Skip the Ant Farm: Try Fostering a Dog or Cat

June 24th, 2009 by Sara
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Dead Ants

Dead Ants

Did you know ants bury their dead?

Last night, the last ant standing in our $12 ant farm (courtesy of my mom, so free to us — thanks mom!) joined its companions in the designated burial ground — sand mounded like drifts of snow around the little plastic barns and silos. As you can see, one hangs gruesomely from the top of a barn; the other from a tree.

We hadn’t anticipated the ugly reality of the ant farm. We waited months for the ants to arrive (it had to be warm enough for them to survive the trip). Then we worried about how they were adjusting to their new home.

Why are they just standing there?
Do they have enough food? Or water?
Maybe they’re too hot. Or cold.
Uh oh, it looks like some of them didn’t make it.

Long before they dug any tunnels, in fact, they created the mausoleum above their home. Tunneling excitement lasted perhaps a week of their two-month existence; most of the time, the ant farm was Reality TV: Death watch.

Which brings me to a much happier pet story.

For several months, a friend of mine has welcomed many different pooches into her home through a local dog foster program run by a nonprofit animal rescue agency. She and her husband and son get to hang out with the dogs — and familiarize themselves with the kind of dog they might want to own — until they are adopted into a permanent home. Foster families also help ensure that the prospective home the dog will be adopted into is a good fit. (Cats are also an option at this and other agencies.)

Best of all, the organization she works with, the Midwest Animal Rescue Services, based in Minneapolis, will buy the dogs’ food, as well as cover vet expenses.

I did some looking around, and it looks like the story is similar throughout the country. Depending on the program, you may pay for foster dogs’ food and routine vet expenses, like shots, but each program I looked at covers any major vet expenses.

Why is that so significant? From this article in the Los Angeles Times:

Americans spent more than $10 billion on veterinary care last year, according to the American Pet Products Manufacturers Assn.

A single visit to a vet cost an average of $135 for a dog owner as of 2006, the last time the veterinary group took a survey of those costs. That’s up 83% from 10 years earlier.

All right, granted that’s nowhere near the $2.3 trillion we spent on people health care last year. But having been regaled with stories of vet bills that run into the thousands for many dog owners, $10 billion sounds about right.

Here are some more links to crunching the numbers on lifetime dog ownership costs. Costhelper (figures are annual). One owner’s own calculation (love the blog name, Fiscalfizzle.) And yet another owner’s own calculation that I apparently thought was good enough to be redundant. You be the judge.

Where might you go to find a foster program? I thought you’d never ask.

In the Boston area, try Underdog ResQ.

In Virginia, try the Animal Welfare Foster Program.

In Seattle, try Seattle.gov.

In Ohio, try CircleTail.

In Austin, TX, try the Austin Dog Alliance.

I also saw foster organizations dedicated to specific breeds, such as dalmations, Paris poodles, and pit bulls. I’m sure there are many more.

Good luck, and I salute all of your who take the real pet plunge.

Now I’m off to bury some ants.

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Frugal Hack: Let Kids Invent Their Own Toys (Or, It’s Only Dental Floss)

June 22nd, 2009 by Sara
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Dental Floss? No: Kickball Dispensing Robot

Dental Floss? No: Kickball Dispensing Robot

When my kids make up their own toys and games, it is worth far more to them (and me) than the priciest, faddiest, shiniest, bestest toy ever.

Here are some recent tops:

Dental floss: Robot; alien ship.
Hand towels: Food to wear on your back if you’re an ant.
Wine stopper: Airplane; spaceship.
Q-tips: Boats, but only for sailing down the stairs.
Clean laundry: Dress-up; catch; keep-away; relay race; tug ‘o’ war.
Dirty laundry: Garbage or recycling; leaf pile.

Pro: Children are engaged, happy, creative, and funny.
Con: I relinquish any control of the agenda.
Pro: I relinquish any control of the agenda.
Con: One gigantic mess.
Pro: One gigantic mess that was not purchased specifically for play.

What are your kids’ most ingenious made-themselves playthings?

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The Easiest Way to Check Your Credit Reports

June 19th, 2009 by Sara
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In dealing with this Wells Fargo letter we received, I decided to get our credit reports from all three credit bureaus, to dispute any application for credit the bank may have made for us, and to otherwise check for any errors.

I went to AnnualCreditReport.com, which all three bureaus direct you to, and which makes it look like you can easily request all three at once, online. That turned out not to be the case, as each bureau wanted different verification information, including account numbers to long-since-closed accounts.

I discovered that a faster way is to simply call this number (which is not the one listed on the site): 877-322-8228. By phone, the bureaus only want the usual verification information: name, address, SS#, date of birth, address. The reports will come by snail mail, but these are the kinds of things I want to look at on hard copy, anyway.

One more note: In a previous post, I advocated using the site MyFico, particularly if you wanted to see your FICO scores, the “gold standard” for lenders and the closest thing consumers have right now to an apples-to-apples comparison between the three credit bureaus. Experian has since quit using MyFico in favor of its own scoring system. What does this mean for us? It’s not good, as this report at credit.com makes clear:

Experian will continue to sell their PLUS and VantageScores to consumers through their various consumer websites but without the myFICO agreement, consumers will have no way of obtaining their FICO score based on Experian data.

At a time when Congress has called for more consumer protections (although not nearly enough) and more transparency, Experian is opting out.

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Budget, Meet Exceptions: Irregular Expenses Are Gonna Get Ya

June 17th, 2009 by Sara
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Cash Husband writes:

There comes a point in any grand plan when circumstances conspire to deliver a seemingly karmic smackdown.

June is that point for our budget. So far in June, we’ve racked up the following irregular expenses:

$588 car repair (with a note about potential future repairs totaling $2,500)
$300 window unit air conditioner
$275 pre-school summer session
$435 annual professional writer’s insurance
$150 monthly housecleaning (the previous one retired; new service is great but more expensive)

Total: $1,748

All of which neatly erases about six month’s worth of proposed savings and debt paydown.

We will keep at it, but sometimes the game feels rigged.

(Editor’s/wife’s note: We were budgeting $475/month for this category. But we forgot a few items — a big one being car repairs. And, our budget being pretty new, we didn’t have enough in the kitty to cover so many of these expenses hitting at once. We have now bumped up this category to $600/month.

Here’s another post about budgeting for irregular expenses from Think Your Way to Wealth, and a handy tool called NeoBudget dedicated to just this problem. As advocated by many, we’re looking into opening a separate savings account dedicated just to irregular expenses — otherwise known as “life.”)

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