Showing posts with label home ownership. Show all posts
Showing posts with label home ownership. Show all posts

Tuesday, February 12, 2019

Mommy ADHD: Parenting a Sick Child

Hello! I know I wanted to do this vlog part every week. I think Tuesday is a good day for me. It seems like I can dedicate myself to updating this blog and the vlog on Tuesdays.
Unfortunately, last week was, well, full of life. Whatever, right? So there was no blog or vlog or really anything that looked like work.

I had the water heater fail last Thursday. Yes owning your own home is wonderful! I highly recommend everyone try homeownership. Anyway, I had no money and now other-half to come to my rescue. I admit to borrowing money from both my Mom and Dad that I had no way to repay. It is a humbling experience to ask for a "loan" you have no way to pay back. I have no "income" at the moment and I have used most of my savings over the last year as I stayed home to recover from a heart attack. I am busting my butt in all directions trying to get everything in order to take on marketing clients on my own and end my relationship with the previous Digital Agency that I was a partner in. Borrowing $1,040.00 was yucky.

On Monday of last week my business with the previous partners officially dissolved and we started the resolution process of assigning accounts and notifying clients of the changes. Fun, but not a lot of action was taken by me or the business partners, so it is still sorta unresolved and just taking up space in my mind. 

Monday I attended the Goodyear Business Alliance hosted by Networking360. To be clear this is not a networking event, but a group of other business owners at different stages in their business who come to share and learn from each other. I love it. It has really kept me motivated to keep taking steps to build the business. I also had an impromptu meeting with a potential client in need of website development.  So it was a good day and things were looking good, even if I had no hot water and needed to shower at my mothers.  

Tuesday the plumber came. It took all day. Originally I had no issue with that. But about 4:30 pm the kid that had vomited and missed school became especially cranky and needy. I just didn't have the ability to wait for the plumber and make a trip to urgent care. So I called for reinforcements and his Dad showed up and took him to urgent care for me. They discovered he had the Flu!  

Luckily, the flu was caught early and he had Tamiflu to help reduce the duration of the flu. Better still he had been given the flu shot and so had my entire household. I can attest that no other member of the family has shared in his flu experience. Which is good because I am a heart attack survivor and I need to avoid getting the flu myself.


Anti-Immunization people probably don't want to hear more about my PRO-Immunization stance, but you should get your flu shots! They help prevent the spread of the flu. Tamiflu is only good if you get a flu diagnosis in the first 48 hours, and most people don't get the diagnosis until the 3rd or 4th day. Getting the flu shot reduces the chance of getting one of the strains in the flu vaccine by up to 70%, which I think is great! Get your shots! Protect others from the spread of preventable disease.

Having a sick kid led to me sitting on the couch for 4 days! I didn't do much of anything. Not this blog, vlog or working on my business. I don't know if that is normal behavior for other parents. Is it? Do most people just tend to the ill child and ignore the rest of the world and responsibilities? I am open to learning from your experiences.  Let me know. I am curious. Seriously! Am I alone? Is this an ADHD thing? Or just a parent thing? Do parents with partners do this too? Just Moms? Just Single parents? I really don't know. Nobody shares the ugly of life. 











Monday, January 16, 2012

To buy or not to buy?

It sounds like an easy answer, just buy a house.  Lately, I have been having doubts.  I keep wondering why would buying a house right now be bad?  Should we wait?  Is there good advice on what the best course of action is?  Didn't I read about what the right thing to do is in a book called the Two Income Trap?  I am sure I did.  I just don't know.  Worse, my husband is willing to go any way I suggest without letting me know if he has concerns...  He hasn't even been blown away by listing from the Internet either. 

Oh, no my grumpy, fat, neighbor is not dead.  I guess that was just wishful thinking on my part. 

So I have looked and guessed based on information on the Internet about how much we could afford and if we would qualify.  The answers are we will qualify, but not until March 11, 2012-exactly 2 years and 1 day since our Chapter 7 Bankruptcy was finalized, and maybe as much as $100,000 for a home loan. I know we can qualify.  I know we need to wait about 60 days from today.  I know that homes with 3 or 4 bedrooms exist in my current neighborhood for less than $100K, but not in my kids school boundaries!  I know that this neighborhood lacks bus transportation, and is far from all my friends, and the majority of my dysfunctional extended family.  I also know that the location is close to entertainment, dinning, and of course the freeway. 

What I don't know is if this is a good thing to do right now.  Should we wait another year?  Should we pay off all the credit card debt with our tax refund instead of using it as a down payment on a home?  If we pay off all the outstanding Credit Card Debt and the $5,000 I owe to University of Phoenix, I can go back to school.  And maybe finish my degree this time around.  But we would not have a house.  We would be stuck in the same 900SQFT apartment that we are outgrowing!  I have no space for an office, or quiet space to run and hide to when I have a bad day.  Now if you think the loo is a good quiet place you obviously do not have little kids!  Worse we have all three boys in the same bedroom. 

The same 3 boys that were spoiled last month for Christmas have little space to play on the floor.  As a result we find them playing in the living room, the kitchen, Mom and Dad's room, the bathrooms, the walk-in closets and outside on the patio.  Their room is difficult to keep clean, mostly because everything needs a place and many times those things are sharing overcrowded shelves.  They have too many clothes. 

My husband has his desk in our Bedroom, which also triples as the workout room, sewing room, storage shed, and pantry for all those water bottles and juice boxes the kids drink.  Our storage closet outside, barely holds our Christmas tree and decorations.  Each of our bedrooms have a walk-in closet, and they are stuffed with extra things that would normally go in a garage or storage shed for long term storage. 

 I'd bet your saying...Doesn't she claim to be poor?  How on Earth can she be talking about buying a house when she has been to the food bank twice in the last 2 months?  How can someone who is on Medicaid be buying a house?  The truth is the bank account is still empty, were still on Medicaid for health insurance and still can't buy all the things the kids got for Christmas.  But I am expecting a large enough tax return that I could either pay off all the debts we now have or use it as a 10-20% down payment on a low cost house.  FYI the houses I have been looking at are listed at 50-80K. Also I am trying to work, though that seems to be extremely part-time right now.  


As you can see there are many reasons to move to a bigger location, and possibly a home of our own.  But what are the reasons this is a bad time or bad idea?  What does Dave Ramsey suggest?  Things I haven't mentioned is that is the number one thing on my wish list, the number two thing is the Neat Receipts scanner. 

And just when things seem to be going well.  A kid falls of the counter and lands face first... Though not the one you would have thought, it was the 8 year old.