Facie’s Ramblings

I hate traveling, both long car rides and any length of a plane ride. I am fairly certain I have mentioned that here, back in the height of my blogging days. Time, money, inconvenience, and, most of all, fear are the reasons. Unfortunately, my family is not close by. One brother is in TX, a plane ride away, and the other brother is in NC, a nine-plus-hour drive away. So, when a brother invites us for a holiday or other gathering, I rarely say yes (it helps that they do come to this area several times a year). About a month ago, my NC brother suggested the three of us and our families along with Mom get together over Easter to celebrate Mom's upcoming 75th birthday in NC. Of course, my first selfish thought was that either I was going to have to suffer through a long drive in my crappy car, or I was going to have to shell out money for some plane tickets. I could not use work as an excuse, as I did last year when one of them invited me (I did not have enough vacation time at tha...

As far as income tax refunds go, I know most financial planners will tell you that your goal should be to get nothing back, because otherwise the government is keeping your money. I agree with that sentiment for people who have credit card debt. It does seem silly not to not pay down more of that debt each month. But my feelings have changed (and changed again) over the years.  About seven or eight years ago, I thought the hubby and I were getting too much money back in our tax refund. I decided I would rather have a larger paycheck and then be able to put more money into savings. So I changed my withholdings (or whatever that is called) from 0 or 1 to 3, plus I even had extra taken out each month. I figured/hoped we would end up with well under 1k in a refund, and I was cool with that. But the funny thing was that for many years, we never got anywhere close to that small of a refund. Some years we did well enough that we were able to do some home improvements (windows one year...

I am a worrier. Many nights I purposefully stay up late in the hopes I will be too tired to think. Some worries are small, some are big, and most I have little to no control of. But worry, ponder, and debate I do. During my nice Christmas break, I spent more money than I should have. I am normally careful about my spending, but I decided to let loose a little, and not feel guilty for every dime I spent. (That is not to say I did not feel guilty for many of the dimes I spent.) And in the back of my mind, I pondered the what-ifs. What if our old roof went? What if one of our vehicles needed a major repair (I did replace four tires on NY's Eve)? And what if one of us lost our job? I think I can go ahead and make this generalization: Once you have been laid off, you know it can happen again, so it never leaves your mind completely. It may be tucked away, under some older memories or perhaps next to a to-do list. But it is there. And when your husband has had two pay cuts and no raises...

Well, I see another bunch of weeks have passed since I last posted. So here is a post for what is on my mind this a.m.: religious people who go door to door. As I have blogged about many times, I am Catholic, but I don't have a strong faith (even though for several years I attended daily mass). I doubt things. I question things. I disagree with some things. Someday soon I am going to post about the diocesan campaign to get money out of people. To give you a preview now: I have a pledge card that gives me choices ranging from $40 a month for five years to $400 a month for five years. But I digress, as usual. I believe in letting people worship or not, as they see fit, as long as they are not hurting others. I know some people proudly display and talk or write about their faith. That is not me. Honestly, I sometimes feel uncomfortable when people do that on Facebook. And, as I have said before, I sometimes get annoyed when someone or some news entity posts about something tragi...

I wonder how many others obsess about money the way I do. And by do , I mean do, did, and do again. When hubby and I were both working for however-many years the last time around, I often worried that we did not have enough money, even though we were able to put a nice chunk of change in the banks every month. I cannot explain this somewhat irrational fear, though I am guessing it is mostly related to our making less than many others I knew. And then when I was first laid off, I worried even more, because all of a sudden our income was drastically reduced. So if I was worried before, it made sense that I would have a world of worry at that point. But eventually my worrying lessened, even though I went several years without a steady income. Being frugal and boring to begin with meant that we did not have to give up too much (oh, we definitely gave up stuff). And caring very little about material things helped tremendously. If we had been spenders who had debt on our credit cards and...

Before I launch into a woe-is-me tale, let me tell you how bad I feel about complaining, knowing how many good things I have in my life and how much worse off others are. But I feel the need to get this off my chest. Unfortunately as much as I like my job, I find myself staying late pretty often. I had one blissful, leave-on-time week two weeks ago, which I thought was how it was going to be for the next month or so, but, well, um, no. We have deadlines. And, more than that for me/the bigger reason is I want my materials to be perfect or nearly so; I am unwilling to let pretty much anything slip past me. As a result, I find myself doing a lot of extra work/going the extra mile. So after putting my time in (and often eating at my desk), I walk the 10 minutes to my car, sit at every light imaginable (seriously, can we just computerize those babies after 5:30 or 6?!), suffer through tunnel traffic, even after 6 p.m., and I am home late (duh). Some days I eat with my family; more often...

Can I just say that I miss the days/weeks when I had a lot to say in this very space? Even though I have not been able to describe my life as exciting, I could always find something to write (or complain) about. Although today's topic is not exactly thrilling, it can be considered controversial, so there is that. :-) Welcome to religion/belief in a higher power and how people fit into categories, which I envisioned in my head while trying to fall back asleep this morning. Here is my view, numbered only because it made it easier (yet I do picture this on some type of number line). Note that some people can fall into more than one category, and I did not include devil worshipers, wiccans, or things which I know nothing about. The believers 1. The dangerous religious nut These people talk about God (Allah, or whatever he/it is called) and are convinced that that deity has told them it is perfectly acceptable (and are even encouraged) to kill others if they deserve it, the ...

Well, I guess I am not going to give up the blog just yet. How about if we just say I will write when I feel like it, which will probably be between two and four times a month? Stop by on occasion if you are so inclined. :-) Today's post is brought to you by my personality, which can best be described as indecisive. I would almost go so far as calling myself commitment-phobic, but I have been married for 14 years and have lived in the same house for 11 years. And I have lived in western PA my entire life. But I guess that really just proves my point about my being indecisive; I can't seem to decide anything else. It is easier to just leave things as status quo (try not to read into those examples too much). My indecisiveness is why it took me over a year (maybe two) to buy an HD TV. It is the reason I have been looking into smart phones since last fall and still have not made the plunge (though because I get a discount with my employer, this waiting turned out to be a good ...

Although I don't like creepy, crawly things, I am not afraid of them and am perfectly able to kill them when I see them. I like the dark, heights don't bother me too much (though I don't love them), and ghosts don't concern me (not sure if they are real, but have not ruled them out either). So what worries me and sometimes keeps me awake at night (or infiltrates me dreams)? This first one is really, really strange, and kind of gross: overflowing toilets. This goes back to a time when I was in high school, and upon flushing the toilet in the "big bathroom" of our house, the water starting pouring over the seat. I freaked out! I can still picture it happening and my subsequent panicking as water flowed onto the floor. I don't recall who was at home who came to my rescue and, presumably, turned the water off. What I do recall is being afraid to flush the toilet when I was home alone after that for weeks if not longer. Fortunately, I have never overflowed a...

As the Christmas season is fully upon us (no denying it now that Turkey Day is out of the way), I am faced with dilemma of not only what to buy for others but also what to tell people to buy for me. A big part of me wishes we could completely take presents out of the equation and focus on what the season is really about (or what it should be, for us Christians). But that won't happen. And besides, I do obtain some joy in buying for others, though that good feeling mostly lies in my shopping for the giving tree at church, where I can feel reasonably secure that whoever is getting my gift wants and needs what I have bought. But most of the rest of us? Do we really need anything? I have lamented about my being under-employed for years and how we sometimes struggle. But I know that compared to so many others, my family and I have it good. We have a roof over our heads, cars that run, closets and drawers full of clothes, food in our kitchen, a new oven to cook that food in, an HD TV (...

In a span of about four hours on Tuesday, I went from worrying about summer childcare for my kid and my unknown work schedule on two projects, to thinking I was going to be working from home on only one project (thus needing a lot less childcare), to finding out all my work was wrapping up due to budget issues (thus needing no childcare). Sigh. Have I mentioned recently how much I hate the economy? I just heard on the news today that the Pittsburgh Public Schools are sending out almost 300 provisional furlough notices. I know of so many people who are either looking for work or who have had to settle for something. I know even more people who have not gotten a raise in years even though the cost of living has continued to go up. When does it end? As for my situation, it is not so bad, really. I highly recommend getting laid off to anyone. Seriously. Once you have gone through that and figured out how to survive it, most work-related things that come after are not so bad. When I s...

As J and I were pulling away from after-school care on Wednesday, she pointed out something tucked underneath the passenger side wiper blade. There appeared to be two slips of paper flapping about, and, of course, my first reaction was it/they must be a parking ticket. As I was driving away, afraid to stop the car for fear of sticker shock, I tried to recall if there were street sweeping signs that I had missed. I have been working on the South Side for about six weeks, though not with much regularity until recently, so it was possible, and quite likely, that when I first started, I could have noticed a street sweeping sign, but did not pay much attention to it since I was there only about once a week. Then I thought back to how the block did seem a little less crowded that morning, so that had to be it. I spent the 10 minutes home wondering how much this ticket was going to set me back, hoping there was only one ticket, and listening to J beg me to stop so we could see what it wa...

Right now I am sitting here waiting for two HVAC companies to give me revised quotes. We originally met with four different companies, one of which was our current one, another was recommended by a friend, and the other two we found via the Monroeville Home Show. This process is nothing like when we got new windows two years ago, which was challenging enough for me. We have received quotes for five different brands (Carrier, Comfortmaker by Carrier, Bryant, Lennox, and Trane). And the varying options are almost dizzying (single-stage or two-stage, 95 or 96 percent efficient, ECM or some other motor, 13 SEER or 16 SEER). Prior to last week, I had no idea there were so many variances. Last month, during our annual furnace inspection, we found out that our heat exchanger was cracked, something that happened when we first bought the house. Since our furnace is 21-plus years old, over-sized, hardly efficient (80 percent, which furnace people say is really much lower due to the age and...

Unfortunately, this year January does not mean a deep run into the playoffs for the Steelers, as has been noted in an earlier post. January usually means snow, although so far, a little over halfway into the month, the weather has been anything but usual. Sunny and 18 degrees one day, rainy and 55 the next, and snow squalls a few days later. Kind of makes your head spin. But I digress. What I am talking about is tax time. Oh, how I hate it. The gathering of the papers and receipts. Trying to guess at the value of donated items. Lamenting over the few dollars we made in savings this year (though, looking on the bright side, that means giving less to the government). But mostly just trying to figure out how we can get as much money back as possible. I read in the AP News yesterday (and in a few other places today) that Romney pays taxes close to the 15 percent tax rate, which is higher than most. But the thing is, he has made most of his money on investments....

In the P-G (and the Trib too, I think) the other day was an article about PA making the amount of food stamps that people receive contingent upon their assets. People under age 60 with more than $2,000 in savings and other assets, such as a second car, will no longer be eligible for food stamps. For people over 60, the limit is $3,250. I agree that assets should be considered. If someone has, let's say, $50,000 in savings but is making only minimum wage, I don't think that person should get food stamps. After all, they have plenty in the bank to pay for every day expenses. But to say, for example, that a 35-year-old single parent who scrimped to save $3,000 over the past five years for an emergency should be denied food stamps when another person who never bothered to save a dime should get assistance is, quite simply, unfair. And what if two parents both need a car to go to work? The bus is not the most feasible situation for everyone, so why punish those pe...

Well, my brake-car conundrum did not turn out as I had expected. Not surprisingly, the gurgling sound my car was making pretty much stopped after I made the appointment with my mechanic, which is precisely what happened the last time my car was making funny noises . But since I needed an oil change anyway, and my new brakes do squeal, I went ahead with my appointment. According to a guy at my mechanic's, my brakes are fine . He said a "different" material was used on the brakes, and I am probably just not used to the sound. Although I feel good (well, better) knowing that there does not appear to be a problem with my brakes, I don't feel great knowing that I can most likely expect to hear these various sounds again. One would think with the money I spent on my brakes in June, I could expect them to be noise-free. One (i.e., I), however, would be wrong. Worth noting is my mechanic did not charge me to try to figure out what was the wrong this time, although let me ...

I consider myself to be extremely self-aware. It is more than that really; unfortunately, I just don't know the correct, most applicable adjective to describe how obvious all my short-comings are to me. I am long-winded. Obviously, I ramble on and on (and on and on) in most posts on this blog. I have little doubt that most of you who read my blog skim it, rather than reading every single word. It's tiring just writing the posts! And I know that I talk too much (and sometimes interrupt people as a result of my talking so much). However, when I am around people whom I don't know well, I am actually pretty good at letting others take over the conversation. At a neighbor's party two weeks ago, I spent about one and a half hours talking to a woman I had just met. Actually, I talked about 15 minutes; my "new friend" pretty much monopolized the rest of the conversation, which was fine by me. I get bent out of shape about things I probably should not. Last week, m...

When I worked at my last (almost full-time) job, I did not go out a lot without the kid for the mostly obvious reasons: I felt guilty missing the few waking hours I had with her, and I really just missed her. That is why while at my last job, I often talked coworker friends into two-hour lunches or leaving at 3 p.m. for early happy hour; I hardly missed any evening hours with J and I still got to have grownup fun. One would think when you have not worked regularly for over two years, the guilt of being away from your kid would lessen. But if you know me and how my mind works, you would know it really has not and it goes beyond money. At swim lessons last week, two moms and I were talking about how when our husbands spend time with the kids (or kid, in my case), although we are grateful to have that time alone, we often find ourselves missing our kids, wishing they would hurry home, or in my case, often joining in on whatever Bri and Jordan are doing. Fortunately (for lack of a bett...

I have about 15 things on my mind right now, but I have decided to blog about something most of us can relate to and need to do, saving money. I am going to share a handful of my grocery-related suggestions. I would love to hear what all of you do and how you feel about my ideas. Here goes! Double coupons  I shop at Giant Eagle and take advantage of double coupons as much as possible. Thanks to doubled $.50 and $.75 coupons, I have gotten things like toothpaste (Crest or Colgate), toothbrushes, shaving cream, and rice for free. I have paid $.50 for yogurt multi-packs and soup. And I have paid far less for some items than I ever would have had I bought them at the dollar store, a warehouse club, or Aldi's. My strategy is to hold on to the big coupons until the item goes on sale. If it is a product I regularly use and the coupon is about to expire, then I will probably end up using it regardless, because I am still saving money. I have not had much luck with BOGO coupons. Inevit...

A few days ago, I saw a disturbing story on the news. A dead baby was found in suitcase on an Erie street. Apparently, a woman starved her 14-month old, left her to die, stuffed her in suitcase, and then put that suitcase in her neighbor's trash can. You can read the story in the PG . Other than this woman murdering her child, the thing that really gets me riled up is this: In addition to the baby she birthed and killed, this 20-year-old woman also has a two- and a three-year old as well as one on the way. So for the past four years, this woman has gotten pregnant, had a baby, gotten pregnant a few months after giving birth, had a second baby, gotten pregnant a few months after giving birth, had a third baby, and gotten pregnant for the fourth time. Isn't that lovely? This woman should be sterilized, plain and simple. If that seems too strong (and I don't think it is), then she should be forced to receive monthly birth control shots or be inserted with that device that ...