The Dog Ate My Wallet

The Dog Ate My Wallet

Personal Finance in a World of Excuses

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Money I’m Thankful We Spent

We bought our house in February 2005. The basement has flooded at least once every winter, and sometimes more often. The first couple of floods weren’t going to be helped. We have a heat pump, which serves as a dehumidifier and pulls water out of the air. The first time our basement flooded it was because the pump hooked up to the heat pump failed, so instead of pumping water out of the house, it just began pooling in that back part of our basement. We rigged it with a piece of Styrofoam, and it worked for a bout a year. Before we had another minor flood from it and had to replace the pump.

The second time our basement flooded it was because the hot water heater broke.

Neither of those times prepared us for the real flooding problem we would end up facing. The drainage in our neighborhood is bad, and ground water started forcing it’s way up through the concrete into our floor.

The Geyser One time when it flooded like that, we thought a sewer pipe or something had broken, as water was literally geysering up around one of the sewer pipes in our basement. We even called out a plumber. But no, it was just ground water finding the path of least resistance.

We bought pumps. We learned what level of outside rain equaled water in the basement. It was a pain, but the flooding generally confined itself to the unfinished part of our basement. It ruined a bag of dog food. There was an old trunk that had some of my baby clothes in it that was water damaged, but for the most part, it was an hour or so of work (spread out over the day) once or twice a year. It was a nuisance, but survivable.

We took out the lower portion of the drywall that separated the pantry from the hallway leading to the finished room in order to prevent mold.

Options We considered building a French drain. We even had the power and cable companies come out and mark where the lines were so we wouldn’t hit them. But the amount of work in digging our own French drain was beyond daunting (our yard is not small) and we couldn’t really afford to pay someone to do it or rent machinery.

And then the city announced that drainage in our neighborhood was really bad and that they’d be doing some work to fix that. We foolishly thought that would help us.

I say foolishly because what they did to prevent severe flooding for the houses across the street (and down a steep slope- I live on the side of a hill) made the flooding worse on our level. That’s right, the city’s flood remediation work made our flooding worse.

June & Larry curled up on the foam footstool- where they felt the jackhammering in the basement the least

Over It Winter 2010/2011 I finally had a mini breakdown. The water was now starting to come up under the carpet in the finished room, too. I was sick the day we were down in the basement dealing with water. The pumps worked in the unfinished area where there are low section that water pools in early, but for the finished room, I had to be down there with the wet/dry vac every hour or so.

I was done, done with a flooding basement. Spring 2011, we had a couple of different flood remediation companies out to talk about what they could do for us. We settled on one and authorized the work. (For the record- dogs aren’t really a fan of people jackhammering in your basement.)

We had the money to pay for it up front, but took the one year same as cash financing option.

Truth be told, we should have done it years earlier- whether we had the money or not.

We are now in our second winter of having pipes running under our basement floor to give the water a nice easy path back out to the street, instead of coming up into our basement. We have had record rains this week, and instead of a flooded basement, I have one damp section of concrete (right in the crook of the pipes), and that’s it.

Happy After six years of the basement flooding at least once per year, I am now on my second winter of no flooding. It is worth every penny we spent and more.

 

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I Did This to Myself

Working on the final exam for my Coursera course. Will try to get a meaningful post up tomorrow.

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Sunday Evening Post #70

Day

Amount

Place

Category

Wednesday

$43.00

nails

allowance

Friday

$10.50

grapes

allowance

Sunday

$33.00

trader joe’s

groceries

$620.00

opera

allowance

We actually spent more than this this week, except that we got our annual cash back check from CostCo and that more than covered our CostCo run on Thursday, and we paid cash for our outing on Friday, which means it had already been counted in the budget.

You may notice that despite Thursday’s post, we bought tickets for the Ring Cycle this morning. There are a couple of reasons for that- four years is a long time to wait, but also, last year we switched homeowner’s insurance companies and ended up paying a premium on both policies. Our insurance broker found out about it earlier this week and will be getting us a refund on the policy we did not intend to have, which is just under $400. That  combined with the money my father and step-mother usually give us for Christmas covers pretty much the whole cost of our tickets. So we’re affording it without dipping into savings.

On the suck side, the driver’s side backdoor window on our wagon was smashed sometime late Friday night/early Saturday morning. It didn’t appear that they went through anything (not that we keep anything in that car worth stealing), so we’re guessing it was either random vandalism or an accident. But still, that means we have to deal with that expense. However, our broker is pretty certain our policy has a $0 deductible for glass work, so we’re covered there.

I felt like crud on Saturday (and not much better today) so decided against doing a round up and instead spent the day in bed watching movies curled up with my dogs. It was as good a day as it could have been.

 

I guess I should mention the Women’s Leadership Symposium was Friday, and it went fabulously. The speaker was wonderful, and the networking event I worked on went better than we’d hoped for. Very much a win, something I was proud to be part of, and worth the very long day. But it was a long day- work from 7am to 6pm, train from downtown got me home about 7:30pm. We had a quick dinner, changed into formal wear and headed right back out to see Skyfall at a 21 and over theater with friends. I wasn’t home and in bed until almost 1am. So really good day, but a long day where the puppies barely saw me.

 

We are almost done with 2012. I revised some of my goals because life took some turns I wasn’t quite planning on when I came up with them.

1)      Be paid for publishing one piece of fiction

Submissions so far: 4

Responses: 2 rejections 1 acceptance, 1 pending

The anthology I had a piece accepted to is now available to buy on Amazon. It’s called Conquest Through Determination.

2)      Pay All Adoption Expenses in Cash & Still Pay for C’s College Out of Pocket

We’re doing good here. This was helped tremendously by getting 3x as much in life insurance from the MIL than expected. Our savings is still growing, and we’re in really good shape.

We still haven’t gotten the background check back from the state of NV. With the holiday season fast approaching. I now figure we’ll be lucky to have our license by the end of the year.

3)      Attend FinCon12. Pay for the trip with money from allowance/side projects saved/earned BEFORE the conference starts. Goal: $600

FinCon was awesome. Not all of the money came from allowance/side projects, but it was still easily affordable, so I’m calling this a win.

4)      Become a member of Yakezie (6 month anniversary is Jan 21)

I am not certain this is still the right goal for me to be going after. I love what the Yakezie network stands for, but I don’t care that much about getting my Alexa under 200k. It’s pretty stable around the 275k mark. Maybe I can convince Sam to create a Friend of Yakezie badge/category, for those of us who don’t feel like being permanent challengers.

Anyway, it’s something I’m pondering.

Current ranking: 235,659

Going down slowly but surely

5)      Make money from my blogs.

AdSense earnings: $30.15 at the end of October, with $0.20 made so far this month. (They won’t send me any money until I hit $100.)

Amazon earnings: $0.00

One of the things that FinCon really brought home for me is that I’m not actually in this for the money. For now, I’m leaving the AdSense blocks up, but they’re getting moved further down the page. I’ll keep tracking, but making money isn’t why I blog.

6)      Be healthier

This was not the best week for eating healthy. Most days I was under the minimum of 1400 calories and made it up by cookies, so I gained back a little.

However, when C and I got dressed up Friday night, we were both able to wear outfits that we hadn’t been able to wear in a while. In fact, I’d only worn my dress once before- in Feb 2005. It was very nice to be able to fit in it and look good.

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Frustrations & Mini-Goals

Do you ever hate your budget? Most of the time, I don’t mind being on a budget. We can afford everything we need and a lot of what we want, but not everything we want. It was brought home this week when the Seattle Opera announced the dates for the 2013 Ring Cycle performances (the cycle is performed over 4 nights).

The Ring Cycle is only performed once every 4 years here in Seattle, and C and I would both love to see it. But the cheapest tickets are $300 each. Now, overall, that’s only $75 per night of opera. But given everything going on right now, $600 is just not in our fun budget.

Who knows where we’ll be, life wise, 4 years from now, but you can bet that I’m going to have $600 (or more) socked away to pay for us to go see the Ring Cycle.

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A Story of Immigration & Healthcare

The point of this post is not to argue either for or against healthcare and/or immigration reform. It’s simply a story to remind us of how things interact, and how sometimes things interact in ways we never quite expected.

 

This is the story of an immigrant fromMexicoto theUnited States. He originally came to the country in a not quite legal fashion. (I know absolutely none of the details.) He was not trying to freeload off the system; he was not trying to get free anything. He was here to work, to provide for his family. He worked a physically intense and not exactly safe job at a chemical factory.

Then one day there was an explosion at the chemical plant he worked at. He received some burns to his face, but the biggest concern was his eyes- he was not at his work station at the time of the explosion, so wasn’t wearing safety glasses, and some of the chemicals got in his eyes.

After being treated at the ER for the facial burns, he was sent to the office of the ophthalmologist on ER call that week (which is the office I happened to work in as a medical receptionist). He gave us a name. It turned out we had a chart already, and we pulled it and got him into the doctor.

This was not a one time visit. He would have many follow ups in the first few weeks and need to come in after that for regularly monitoring to make sure his eyes were healing correctly.

Despite the serious nature of his injury, he always had a great attitude and quickly became a favorite patient of the receptionists and assistants. He was memorable not just for his injury, but for his positive outlook.

 

One day, I got a call from this man. It had been a few months since he had been in, and he was scheduled for a follow up appointment later that week. He was calling to tell me that he wanted his own chart.

It turns out that he had not been in theUSlegally. In order to get the job at the chemical plant, he had used his brother’s name and green card. It was his brother’s name we had been given when he first came in for treatment, and he had been afraid to tell us the truth for fear of immigration issues. But now, he had his own green card. He was legal, and he wanted to be seen under his name, and, more importantly from our perspective, separate his medical history from his brother’s.

 

Remember that I mentioned we already had a chart? We had seen his brother a few years before for a basic exam and that’s the chart we had been using. Thank goodness, due to the nature of his injury, the medical history we had in that chart hadn’t been relevant, but it could have been.

Even for those who don’t work in the medical field, I bet you can imagine the risks that come from two different people sharing the same medical chart.

 

I created the new chart. I put notes in the computer system. I put notes in the chart- both on the patient information side, and as a sticky on the records side (as a non-medical professional, I could not make official notes beyond rescheduling/cancellation of appts on the medical record side, so it had to be as a sticky). Every where I thought someone would look, I put a note explaining the situation, and my initials.

When the patient came in for his follow up, the doctor’s assistant came out to complain that the name on the chart didn’t match the name on the records inside. I had to explain the situation to her.

The patient went back to see the doctor. The doctor came out to complain that the name on the records didn’t match the name on the chart, and that there should have been earlier records, too. I once again had to explain the situation. (Does this mean my MDs and their assistants didn’t read the notes? Maybe, but it was a confusing situation, so I understood the questions.) Despite documenting everywhere I could think of, if I hadn’t been there that day (and I called in sick a lot), there would have been even more confusion around this man’s medical records.

 

This was never a case of getting paid or not. The explosion at the chemical plant had been felt throughout the area and everything was covered under a worker’s comp claim number. It was a question of the health and safety of two different men. What would have happened had the brother needed emergency eye treatment before the first man got his own green card? Would have he have skipped it for fear of outing his brother and the fraud they were committing?

Because they were committing fraud. What they were doing was illegal. At the same time, they weren’t harming anyone. (This was in the late 1990s, trust me, they did not prevent any legal citizen who was willing to work at the chemical plant from doing so.) But they were putting their individual health at risk by sharing a medical record.

As a person who works in the medical field (even if it’s on the administration side), that’s scary- terrifying really, and a system that makes people feel as if that is an acceptable risk is just as scary.

I don’t have the answer to healthcare reform or immigration reform. All I know is that those who need medical treatment should be able to get medical treatment, without having to risk the health and safety of friends or family members by sharing a medical record.

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Sunday Evening Post #69

Day

Amount

Place

Category

Thursday

$28.00

CostCo

groceries

Friday

$100.00

Clothes

allowance

$46.00

shoes

allowance

$5.50

safeway

groceries

Saturday

$96.00

safeway

groceries

$21.00

supercuts

allowance

Over half of what we spent this week, I spent on a new blazer, earrings, and boots. Then I got my hair cut (happens about once every 6 months). And would you believe, I’ll spend more on this coming Thursday for a manicure. Yes, it’s a lot of money for “one day”, but I’ll be able to wear the clothes and earrings multiple times, my hair needed to be cut anyway, and well, I like manicures, so I’m good with it.

Otherwise, our Safeway bill was so high because we needed to spend at least $50 to get extra savings on a turkey, so we actually have a lot of our Thanksgiving shopping done already. On Thursday, C went and got a ham- which we ate on Friday, because we love ham, but it’s a pain making both a turkey and a ham for Thanksgiving.

In other exciting news, on Saturday we ordered a glass storage set (so I can take leftovers to work and microwave them not in plastic) and a couple of CDs. We paid $0 using credit card points from both our Citi Thank You card and our Amazon rewards card.

Today, we baked. C made an applesauce pudding pie; I made some pumpkin cookies, and then C and I peeled and cut apples (from our apple trees) to make more applesauce, replacing what we used in today’s baking.

That’s pretty much the excitement of our weekend. What was yours like?

 

We are almost done with 2012. I revised some of my goals because life took some turns I wasn’t quite planning on when I came up with them.

1)      Be paid for publishing one piece of fiction

Submissions so far: 4

Responses: 2 rejections 1 acceptance, 1 pending

The anthology I had a piece accepted to is now available to buy on Amazon. It’s called Conquest Through Determination.

2)      Pay All Adoption Expenses in Cash & Still Pay for C’s College Out of Pocket

We’re doing good here. This was helped tremendously by getting 3x as much in life insurance from the MIL than expected. Our savings is still growing, and we’re in really good shape.

We still haven’t gotten the background check back from the state of NV. With the holiday season fast approaching. I now figure we’ll be lucky to have our license by the end of the year.

3)      Attend FinCon12. Pay for the trip with money from allowance/side projects saved/earned BEFORE the conference starts. Goal: $600

FinCon was awesome. Not all of the money came from allowance/side projects, but it was still easily affordable, so I’m calling this a win.

4)      Become a member of Yakezie (6 month anniversary is Jan 21)

I am not certain this is still the right goal for me to be going after. I love what the Yakezie network stands for, but I don’t care that much about getting my Alexa under 200k. It’s pretty stable around the 275k mark. Maybe I can convince Sam to create a Friend of Yakezie badge/category, for those of us who don’t feel like being permanent challengers.

Anyway, it’s something I’m pondering.

Current ranking: 237,873

Going down slowly but surely

5)      Make money from my blogs.

AdSense earnings: $30.15 at the end of October, with $0.12 made so far this month. (They won’t send me any money until I hit $100.)

Amazon earnings: $0.00

One of the things that FinCon really brought home for me is that I’m not actually in this for the money. For now, I’m leaving the AdSense blocks up, but they’re getting moved further down the page. I’ll keep tracking, but making money isn’t why I blog.

6)      Be healthier

As of today, I am at what I set my goal weight for the end of the year to be. That means I’m down 25lbs from when I started, 7 weeks ahead of schedule. I’m pretty proud of that. The biggest problem I’ve been having lately is actually eating enough calories. On days when we get busy, since I’m snacking less, I sometimes am searching for ways to get at least 1400 calories a day (my upper limit is 1785 calories/day).

I am walking most days, even in the rain. I brought a poncho and walking shoes to work so that I don’t get soaked/can change into dry shoes. I have been getting up and riding the recumbent bike 3 mornings a week, burning a little over 1000 calories/week.

And in case you’re worried I might fall off the wagon with the baking we did today- I make cookies replacing butter with applesauce (for 1/8 the calories from fat) and we use Splenda instead of sugar, so no sugar calories, either. It keeps what we bake fairly low calorie and still really tasty.

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What I’m Reading: Looking Professional Edition

Next Friday, my company is putting on a Women in Leadership Symposium. I am part of the planning committee for this event (growing my professional network and all) and am very excited. I very much want to put my best foot forward, and that means looking professional as part of it. On Friday, I bought a new blazer- it’s a lovely red that will go with all of my work pants, and a couple sizes smaller than the last one I bought. It doesn’t technically fit perfectly, but with the right clothes under, it won’t really be noticeable, and it won’t be swimming on me in another couple months as I keep losing weight. I also bought a new pair of boots, and I need to get my hair cut this weekend and get a manicure the night before the symposium (I’ll be wondering around serving wine at the end). In some senses, I am treating this like a job interview, because for some very important people at my company, this will be the first time I get to make an in person impression upon them, and I want it to be a good one. What do you do to make a good impression?

 

And now, on to the blogs.

We’re starting with what is a very hot topic among both pet bloggers and financial bloggers who have pets- how much money is reasonable to spend on your dog?

At The Dog Park, they haven’t had to spend much money on Our Best Friend, yet, but some friends of the family just had over a $3,000 vet bill to surgery to repair a broken bone and torn ligaments. It sparked a conversation in their family about spending on veterinary bills and what it really means when you say the dog is Part of the Family.

Len Penzo recently came back from vacation to an unexpected bill of over $2,400 for their 4 legged family member, Major (aka Best. Dog. Ever.). Being in a kennel situation while they were all gone apparently stressed him out and caused a major digestive issue. Personally, I’m thankful they didn’t have to deal with an intestinal blockage and that Major is back to being himself. But their answer as to what to spend- “Whatever it takes.” Luckily, Len and Honeybee have worked hard to put themselves in a financial situation where that isn’t a bankrupting the family answer.

For some people, it’s one time, emergency spending. For others, it’s what feels like continuous spending on chronic issues. Lance at Money Life and More recently spent another $725 on Daphne’s allergy and skin issues. Hopefully the custom made allergy shots she’ll be getting will get everything under control and make it so this adorable girl can enjoy the world around her, instead of feeling like she wants to crawl out of her skin.

 

Our friends at 2 Punk Dogs have managed to stay safe during Hurricane Sandy (and hopefully through this nor’easter, too), but something occurred to them while watching the news- do you have enough of the right insurance? It’s not just about flood insurance or storm insurance during trying times like these. There’s also the story of the Kiss-A-Bull family who lost their home (and five of their dogs) to a house fire about a year ago. Their insurance covered rent for three months, it took none months to rebuild their home. This last week, you changed the batteries in smoke alarms when you set your clocks back. Did you also review your insurance coverage to make sure that you and your family- those with 2 and 4 legs –will be safely covered in the case of an emergency?

 

Speaking of friends who we are glad have managed to stay safe during the awful east coast weather, my fabulous FinCon roommate, Jana at Daily Money Shot, reprinted a post she wrote some time ago about what not to wear to work. Considering I’m trying not to do too much shipping during my weight loss journey, but that I’m still trying to put a more professional look forward, this was a good reminder.

 

There are work politics and then there are politic politics. This last week, citizens of the United States were once again honored with the ability to voice their opinion on how their national, state, and local governments should work. Mel from No Dog About It Blog has a great reminder of why we really need to be paying more attention to those state and local issues. In North Dakota, animal abuse has not been a felony, but the citizens of that state had the chance to change that this year. Would you have voted to make animal abuse a felony?

 

And then there are the politics that matter only to pet owners guardiansparents – really, how do you choose which word to use? Two of my favorite bloggers each had a great post about their reasons for using the words they do. Pamela at Something Wagging This Way Comes presents the argument for being a dog guardian. Kristine at Rescued Insanity counters in favor of the traditional dog owner. In these cases, I don’t know how much the terms mean, as both of them are amazingly dedicated to their pets’ health and well-being. Now worries from me about how either Shiva or Honey are being treated. I tend to use the word parent, but that also means I often get people who give me these looks, and I have to explain that yes, I know the difference between dogs and children- dogs I can crate for 6 hours with no one accusing me of neglect, and no one tells me I can’t bring kids to my timeshare- see, easy distinction.

 

And now that you know that little bit more about me, here’s some great fun facts about John from Frugal Rules. I love posts like this that let me get to know other bloggers, and yet, I’ve never done one myself, partly because I feel like I may be oversharing already.

And now we’re ready to learn about two new blogs, or at least, new to me blogs. Dachshund Nola is not new to most pet bloggers I know, but I recently started participating in their Black & White Sunday on Life by Pets, so I thought maybe, just maybe, I should check this blog, and the adorable Nola, out.

And we’re also welcoming The Frugal Path to the Yakezie network. This month, my brother finished paying us back the money we loaned him six months ago. He could have paid it back in 3 months, but we said, no, take a little longer and build your business an emergency fund, because small businesses need them, too.

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Growing Your Professional Network

Do you use LinkedIn? Do you use it as an extension of your private life, or is it a professional network?

I joined LinkedIn while I was in my MBA program. There was an informal competition to see who could get the most connections, after we had a guest speaker come in and talk about the power of social and professional networks. While I did not have the most connections, I was declared a “winner” by a few because one of my friends worked for LucasArts. (That friend now works for Zynga.)

While I like LinkedIn, and it’s been a great way to keep up with what the others in my MBA cohort are doing professionally (since we’re not close enough for FaceBook), I’ve never really used it as a tool to build a professional network. I linked with friends, some of whom are very impressive professionally, but none of whom work in my field.

I linked to a venture capitalist I once interviewed with because he was in my email address book, and who, as a venture capitalist, links to anyone and everyone who asks. The more connections he has, definitely the better for him.

But for myself, for some reason, I never felt comfortable sending a request to someone I only knew professionally. Which is silly, because LinkedIn isn’t FaceBook. It is about professional connections.

This week, I had a conversation with my boss about what he is doing, considering his impending lay off. We talked about professional sounding personal email addresses and social networks. I mentioned I had applied for a couple of positions. He mentioned he would be honored to be a reference for me, and said he was making up some personal contact cards and would make sure I got one.

That night, I talked with C about that conversation, and he said “Make sure you connect with him via LinkedIn.” It seems like such a simple statement, and yet it was something I hadn’t even considered.

But I kept considering it, and I realized, this is what LinkedIn is for. I sent my boss a connection request. I also sent one to one of the other executive directors I have worked with who has been laid off. I sent one to a high levelHRconsultant that I’ve worked with on a number of projects. And I sent one to the finance manager I work with all the time. They have all accepted my requests.

I also sent one to the former VP I wrote about in Will There Be Cake?. He hasn’t responded, but he might still be inAfrica.

 

I work very hard to build up my professional network. I go to events I’m not exactly comfortable at so that I have a chance to talk to people I’d never interact with in my job. I am on the planning committee for the Women Leadership Forum symposium we are putting on next week.

I am good at my job, and it is important to me that I am known for being good at my job, but it’s also important, if I want to keep moving my career up the ladder (and I do) that people who never have a chance to see me do my job still see me, and know my name. It’s important that they also see names attached to mine of people they do know and whose opinions they trust. And it is my responsibility to make that happen.

I cannot just sit back and hope people notice me. I have to put myself out there and make them notice me. I can not treat my professional network like a Ron Popeil kitchen device. There is no set it and forget it here. I have to put in the time and effort to make sure my professional network reflects me as a professional.

I am in my mid-30s, married, planning on adopting a child, have a masters degree and work as a manager in my field, and yet there are some days when it feels like I am still learning how to be a grown up. This was one of them.

What about you? Are you tending your professional network?

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Using Halloween Candy as a Distraction from Politics

Today is Election Day in the United States, where I, and most of my readers, live. Because this will post around the time that most East Coast polls are closing, I have to imagine that if you are actually reading this today, you are looking for a break from election coverage, and that if you are reading this on Wednesday, you are happy to be done with election coverage.

With that in mind, I thought it might be nice to discuss something fun and not at all related to politics, but still related to personal finance. And since it is only one week after Halloween, I came up with this idea:

Using Halloween to Teach Your Child About Personal Finances

The fact that I do not yet have any kids should not yet deter you from seeing me as an expert on this matter, as I once was a kid, and definitely had candy issues.

 

Natural Inclinations It may seem at first that there is a strict dichotomy in children between those that would eat all of their candy at once and those that like to go slowly, saving some for later. But there is more to it than that, because within each of those groups are the kids who will go through their candy and sort out things they don’t like and give them away, but there are also kids who will hoard (and eat) all of it, regardless of whether they like it or not because it is their’s.

Within the group of eat it all at oncers, are the kids who understand that they ate all of their candy and therefore have no more and the ones who will be mad that the savers still have candy and proclaim it unfair, asking that the saver be forced to share.

Within the group of savers, there will be kids who taunt the oncers with the fact that they still have candy. Some will use candy as currency to get the oncers to do things for them. Others will just go quietly about their business, having one or two pieces of candy every day without making a big deal of it, and sometimes the oncers won’t even notice. Savers that share their candy may make a big deal out of it or may just happily do so. If an adult tries to force sharing due to the oncers cries of “not fair”, the savers will almost certainly give the same cry back.

 

Candy is currency Candy may even be more valuable than cash. I mean, think about how much candy bars cost and how much candy kids get at Halloween. They’ve suddenly come into a windfall, and we all know that windfalls need planning.

 

Options as parents include:

  • taking all the candy away from the kids at the end of the night, sorting out your favorites and then doling out the rest over time
  • placing all the candy in a communal family bowl
  • allowing the kids to pick out 5 pieces of candy they want for themselves and then taking the rest (to be doled out or shared later)
  • keeping each bag of candy separate (assuming multiple kids), but taking the bags away so that the kids have to come to you to get the candy
  • allowing the kids to have access to their candy bags for a day or two but then taking it away
  • allowing kids to keep indefinite control over their candy bags and only stepping in when violence seem imminent

 

Lesson Plans What lessons can we teach our kids using Halloween candy? We can teach about various economic systems- communism, socialism, capitalism, and tyranny (where everything gets taken away and little to none gets back to the kids themselves). We can teach about taxation, or even interest (if parents are willing to add candy to stashes that are saved).

We can use it to teach valuable social lessons about sharing or simply being gracious to those with less- though often we don’t think of money the same way we do other resources, such as toys.

 

Experience as the Ultimate Teacher At the same time, most of us learn better from experiencing something on our own than we do from anything forced from our parents. And that’s why I argue to let kids have control over their own candy (with limits for health). A oncer will actually experience what it is like to run out when others still have something. A taunting saver will learn that others don’t take well to flaunting.

If you want your kid to be a saver, don’t try to force it with their Halloween candy, instead, let them experience it and figure out for themselves that it’s always nice to have something stashed away for a rainy day (or at least until the Advent calendar starts up).

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Sunday Evening Post #68

Day

Amount

Place

Category

Tuesday

$31.50

OSF

eating out

Wednesday

$10.00

Safeway

groceries

Friday

$43.50

Trader Joe’s

groceries

$102.00

CostCo

groceries

$10.25

Tukwila Trading Post

groceries

Saturday

$89.50

Vet

pets

$6.50

ear plugs

misc

Sunday

$38.75

gas

car

$80.00

Living Social deal

eating out

$32.75

Office Depot

allowance

It was a pretty good week- mostly quiet at work. I did dress up for Halloween- wore a Ren Faire dress my step-mother made me 8 years ago and the crushed velvet cloak I bought 15 years ago (yay for things that can go in the washing machine). It was nice to be able to fit into the dress comfortably- but it made sense, I now weigh about what I did 8 years ago.

We did grocery shopping on Friday, nothing major just yet. We’ll have a couple stock up for Thanksgiving shopping trips coming up, but we have a pretty good base of what we need. We found this really good pumpkin instant oatmeal at Trader Joe’s and bought six packs of it this week, since it’s seasonal. They also carry a better assortment of snack foods that are good for people trying to eat not as many chips.

We had also noticed June coughing a little bit for a couple days, and listening to her cough Saturday evening I realized- she has bordatella- ie kennel cough. It’s like bronchitis for dogs, and is very contagious. She’ll come through it just fine, but if old man Howie gets sick, that’s another story. So off to the vet she and I ran in order to get meds. I am currently the meanest mommy ever because I have to shove them down her throat.

But the best part of this week has been the music. On Friday we went to the local Irish pub to hear our favorite band, BOWI, play again. And then Saturday we went to see the Afghan Whigs on their reunion tour. They are one of C’s favorite bands. It was a good show. (The venue is small enough that there are no bad seats, but we ended up in a prime spot.)

 

We are over half way through 2012. I revised some of my goals because life took some turns I wasn’t quite planning on when I came up with them.

1)      Be paid for publishing one piece of fiction

Submissions so far: 4

Responses: 2 rejections 1 acceptance, 1 pending

The anthology I had a piece accepted to is now available to buy on Amazon. It’s called Conquest Through Determination.

2)      Pay All Adoption Expenses in Cash & Still Pay for C’s College Out of Pocket

We’re doing good here. This was helped tremendously by getting 3x as much in life insurance from the MIL than expected. Our savings is still growing, and we’re in really good shape.

We still haven’t gotten the background check back from the state of NV. With the holiday season fast approaching. I now figure we’ll be lucky to have our license by the end of the year.

3)      Attend FinCon12. Pay for the trip with money from allowance/side projects saved/earned BEFORE the conference starts. Goal: $600

FinCon was awesome. Not all of the money came from allowance/side projects, but it was still easily affordable, so I’m calling this a win.

4)      Become a member of Yakezie (6 month anniversary is Jan 21)

I am not certain this is still the right goal for me to be going after. I love what the Yakezie network stands for, but I don’t care that much about getting my Alexa under 200k. It’s pretty stable around the 275k mark. Maybe I can convince Sam to create a Friend of Yakezie badge/category, for those of us who don’t feel like being permanent challengers.

Anyway, it’s something I’m pondering.

Current ranking: 245,660

Back down a bit.

5)      Make money from my blogs.

AdSense earnings: $30.16 at the end of October, with $0.05 made so far this month. (They won’t send me any money until I hit $100.)

Amazon earnings: $0.00

One of the things that FinCon really brought home for me is that I’m not actually in this for the money. For now, I’m leaving the AdSense blocks up, but they’re getting moved further down the page. I’ll keep tracking, but making money isn’t why I blog.

6)      Be healthier

I’m on track, exercising and keeping to my calorie counts really well. I know Thanksgiving will be a challenge, but I think I’m at a good enough space that I won’t go over much, and I’ll be okay with the bit I do go over.

I am ahead of goal weight loss wise, and I’m starting to notice a difference in my face- less double chin when I look in the mirror, and that makes me happy.

C continues to experiment with new soups and chicken ideas. The last two nights we had Moroccan chicken (recipe from America’s Test Kitchen on PBS) and tonight he’s making a home version of tangerine chicken- here’s betting it will be tastier and healthier than what I can get at a restaurant.