Where Are My Bootstraps?

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​Unless you live in Massachusetts where it’s Patriot Day, today is Tax Day. If you’re just filing your taxes now, you’ve realized just how much the Republican Tax Scam screwed you over. Sure they raised the standard deduction, but they’ve taken away most of your itemizations through limits. We somehow managed to do okay despite our taxes rising by over one thousand dollars. In fact, married filing joint is only $100 less tax due than a single person making nearly the same amount. I believe the only reason we didn’t owe was because we were already having too much withheld. Our motto is live on less, so we can repair our house and car in the spring.

We reached our health insurance’s maximum out of pocket in 2018, and we still couldn’t deduct our medical. Or our taxes, mortgage interest, or the little we give to charity. Good thing we don’t give to charity for the tax deduction; we give because it’s the right thing to do when you have more than someone else (even if it’s not that much more).

We have two kids at home and in school and one out on his own, and while he’s been pitching in with his own expenses for quite some time now, his moving out didn’t lower our expenses. He is still on our phone plan, our automatic toll payments, our AAA, our health insurance, and we don’t begrudge or judge him for any of those things. One, it’s cheaper for all of us, and two, it’s what a family does. One day I’m sure I’ll be on his phone plan.

The main point isn’t that I don’t want to pay taxes; I do. It’s my responsibility as an American citizen to pay my share. What I don’t understand is how we allow the wealthy to avoid paying their taxes. I don’t understand how teacher are not allowed to claim school supplies on their taxes, but if you have a private jet, the gas is deductible. It’s absurd that we continue to allow this to happen.

So that’s my rant. Despite it, my taxes were mailed last week, and with no savings, now we’ll struggle until our refund comes and I can pay back the private loan I took out, maybe I can get a pair of glasses that I’ve needed for over a year, pay for half of my hearing aids before they decide to send those to collection, but there will be no new roof (again, this is year 3 of waiting), no smooth driveway (which isn’t as luxurious as it seems – the more it sinks, the muddier it gets, the icier in the winter), no toilet in our upstairs bathroom (a necessity in a family of five), no oven for another six months to a year, no fridge which should have been replaced when we moved in and were lied to about its age.

We have it good, but it still hurts to say no to your kids for something as innocuous as a trip to McDonald’s or a candy bar for no special occasion. I don’t want to spoil them with European vacations, but it might be nice to take a long weekend to Niagara Falls or Washington, DC.

I truly am grateful for what we do have, and appreciate how lucky we are, but sometimes it’s important to let the people who don’t understand “real life” know what is going on in most of America – your neighbors, your friends, your kids’ classmates. I wish the Republicans in Congress would see this, but I’m not sure they’d care to be honest.

I’d like to close this with a link to a 2014 article that is still relevant today about how the realities of living inn bootstrap America and how most daily annoyances are catastrophic for many people living paycheck to paycheck.

No Car

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​We are on Day 39* without a car. Our car’s engine died the third week of January. Our trusted mechanic told us it wouldn’t be worth putting in a new engine with the body our 2002 minivan had; just too much rust. We knew this day was coming, but it still left us in a numb kind of shock. It’s been our only car for several years now, and we just can’t afford a car payment. There were also some new payroll deductions so for now our salary has been reduced, significantly, and we’re not really sure how we’ll get through that. However, that is one too many problems for this discussion.

Day 39. Continue reading

Giving Tuesday

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In this time of holiday joy and generosity, please do what you can to support those organizations who help throughout the year.

ACLU

Planned Parenthood

RAICES

Random Acts

Where I Give My Support (list not inclusive)

Scroll down to the Stands links for a collection of worthy charities, all of whom do good works.

Add your own recommendations in the comments with how to reach them with donations and what their organization does. 

Book News – House – Fraud?

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​What exactly is fraud?

What’s the difference between wanting your house to be in the best saleable condition and defrauding the buyer?

Some of the problems we had did have to do with our “professional” buyer’s agent. By the time we looked at the house we ended up buying, I could tell that she was a little done with us. We had only looked at three houses, so I don’t know if she thought we’d take the first one and she’d be out with her commission or if she was having a bad day or if we were just too needy. I don’t know. I can definitely be needy, especially on something as big as buying a house. Continue reading

Book News

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​This update was supposed to appear at the end of last week. Unfortunately, chaos happened. Taking down the tree, planning my daughter’s sleepover birthday party, avoiding politics and failing all contributed to not completing my writing the way I wanted it to.

I did manage in the days before the chaos to get some introductions and background info on both House and Wales. They are by no means complete, and they’re barely first drafts, but they are something and I plan on continuing little by little. These updates not only get the job done, it gets it started and it gives me something to post on those biweekly Fridays.

Stay on track and Accountability.

Continue reading

Book News

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​Book News is a new series that is for sharing, for sounding board, for feedback, and for my own accountability. I’ve mentioned several times in the past about the two books that I’ve been “in the middle of” for what seems like forever. I feel like my Wales book is a reward for when my House book is finished. The problem with that is that writing the House book is extraordinarily emotional and I have a hard time getting through it for several reasons that I need to address within the pages of the book.

I don’t know if it will be a monthly or a biweekly feature (I’m leaning towards biweekly) , but it will be on my calendar, and so I will need to set goals based on my outlines, and begin the research for some of their aspects.

Book News will let me keep a log of those things that aren’t necessarily post-worthy or essay/articles, but that still need to be accomplished in order to publish.

I think this will work for me, and I appreciate your support as I make changes and grow as a writer.

Quick Intros Continue reading

50-49 – Birthday Freebies

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I have always been on the lookout for good deals. Kids eat free, free ice cream day at Ben & Jerry’s or Friendly’s, but the most freebie centric day has got to be a birthday.

You do need to get on email lists or sign up for rewards, but they are usually free to join, and they are well worth it.

A few of my birthday freebies and discounts that I’ve received in my emails this week.

Starbucks – free birthday drink if you’re a member of their rewards program. Don’t sign up at the last minute.

Red Robin – free birthday burger if you’re a member of their Royalty Rewards. A special note about Red Robin: their rewards program is one of the best I have ever been a part of.

Ruby Tuesday – free birthday burger with coupon.

Jimmy’s Egg – free birthday entree.

Hot Topic – $10 off $30 purchase (this is pretty reasonable)

Avenue – $10 off $50 purchase.

Hallmark – 20% off coupon

Pizza Hut – free cinnamon sticks with your next online order

Recovery Sports Grill – $5 on your Hall of Fame card (rewards card)

Olive Garden – free dessert

Chili’s – free dessert

Perkin’s Restaurant & Bakery – free Magnficent Seven meal (breakfast meal)

Texas Roadhouse – free sidekick of ribs or free appetizer

Smart Style Hair Salon (inside Wal-Mart) – discount with coupon

If you have kids, and join the kids club at Barnes & Noble, you will receive a free cupcake coupon for your child’s birthday month.

Advent Reflection – Dec. 1

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​Each of us has to decide on what or whom we will build our spiritual security.

-From the Reflection portion of Daily Reflections for Advent & Christmas: Waiting in Joyful Hope 2016-17 by Bishop Robert F. Morneau

While we’re in anticipation of the birth of Christ, it is a good time to evaluate or re-evaluate our own spiritual security and/or foundation.

Today is World AIDS Day, and while things are much better than they once were, there is still a long way to go as we strive to help those afflicted and find a cure.

Two days ago was Giving Tuesday, a charitable follow up to Black Friday. Before the end of the year, our family will contribute to:

ACLU
Planned Parenthood
NAACP
Random Acts, and

my local church parish or St. Vincent de Paul Society.

Three of these have stemmed from the recent election here in the United States. Find where you want to support with your money, time, and talents and discuss your reasons with your children. Let them make their own suggestions for charitable contributions.

I’m pretty clear on my spiritual foundation and when I have concerns or a lack of faith, I find a way to think more about it and get through that period.

I’m enjoying praying and meditating privately on a daily basis.

I’d like to share this article that I read this morning on Vox

Advent, explained

50-35 – The Alarm

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Equal to Duran Duran for favorite bands growing up, and continuing into adulthood is The Alarm. I had a cassette that I played in the car constantly. I knew every word of every song. It didn’t hurt that they were Welsh at a time when I was obsessed with Welsh history and culture, something else that never went away.

The Alarm also holds another distinctive place in my life’s history.

In 2008, they came out with a new CD – Guerrilla Tactics. I wanted this album desperately.

In 2008, we were barely on the internet. I hadn’t even joined Live Journal then, we had no wifi – wifi was available but we didn’t trust it, so we had to be plugged into the wall. I had my first laptop, its own experiment into personal computing.

When I signed onto Amazon, well, actually, I had to create an account because I had never ordered online before, but when I signed on, I had a choice. I could buy the CD for $14.99 or I could download the MP3 version of the album for $9.99.

I actually thought about this for a couple of days. Eschew this new digital world and spend more money or give in to my innate cheapskate, get the album digitally and save the $5.

Eventually, I chose digital.

It was the first digital music I ever bought, and I listened to it always, over and over again. I transferred it to my new mp3 player, another new bit of technology that I had just discovered.

It opened a whole new world of digital media, and despite my going kicking and screaming into each new thing, I still went.

Eventually. 

50 – 11 (Photo) Five Dollars

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Current Front. 2016

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Current Back. 2016

For anyone who’s already read the 11th reflection in my 50 series, this is a photo that I added to the original post.

The bills my uncles gave us when we’d visit were much different, but we spent those.

These are the current ones in circulation.

While still called paper money, they are actually printed on polymer or plastic. The five is the lowest denomination of paper money. There are $1 and $2 coins. They no longer use pennies.

Consequently, when we went out to eat, we were charged $94.23 if we used a credit or debit card or $94.25 if we paid cash. It took about a day to get used to.