Monday, June 2, 2014

I'm Downshifting this Life of Mine!

I have to start with the good news...

I got the part time job that I bid for!  It will likely be a 3/4 time position which is perfect.
Right now the start date isn't until Sept-Oct but I want to move that up to summer.  I am so tired that I can't focus most days.  It's just too much.

It's about choices isn't it?  Choices that we make with our best - or not so best judgement.  Choices in what works best for us.

I still want what's best for my kids, and they will get it.  I still want what's best for my dh and I and we will have it too.  If your wants don't exceed your income - you have it made really.

My Mother in law was very annoyed or something when I told her I was reducing my hours.  She looked at me and said "Well where else are you going to work to make up the hours?"  When I said- nowhere, I'm going to try and get healthy and feel better, spend some time with my kids.  She shot her eyebrows up and pursed her lips.

She has no idea that I have paid off my mortgage.  She has no idea that I will have maxed out my RRSP's this year.  I have no intention of telling her either.  My inlaws are lovely people but the more dh and I learn they are terrible with money.  They both have to work full time to pay for loans and a new mortgage.

I also have an emergency fund. A healthy one that could last over a year if I couldn't work. I don't use it unless there is a real emergency either. And by real emergency I mean loosing a limb, fire, flood, natural disaster, that kind of thing. Your kid's feet growing and needing shoes, vet bills, a flat tire, a leaking hot water heater. Not an emergency. A fact of life. I have an account for that too. I call it "Crap Happens" and it makes me smile every time I take money out and put back in to read it on my bank statement.

The dh's looser siblings have no issue hitting people up for money.  Then they go on a trip to Jamaica, buy clothes,  remodel a kitchen.  Neither have a dime saved in the bank.

Then there is my looser sibling.  So far in debt and denial it is laughable.  After scoffing at my clothes, home, cars for years.  The open ridicule that was given to me.  Now the shift is from pompous to panic as the debt skyrockets and the paycheque stays the same.  At least her family will look good in trendy clothes and shoes when they repossess the house.  :)


I have no urge to flaunt anything.  We enjoy our friends and the extended family that aren't a part of the drama and nonsense.

My little one is done sports until the end of August!  Next weekend will be the first one at home since I don't know when!  I cannot wait to spend time in the yard and to get the bathroom remodel underway!






The smell from all of the fruit trees blooming in my yard and the neighbourhood is heavenly!  I could sit outside all day!


I am off to find something to eat for kid #3 and myself, and then off to swimming lessons.  (I don't count that as a sport- I call it a life necessity!)



The Good Things...
Having enough hours in to get one of the jobs I wanted
My dh and I have been working on our marriage for a long time now.  Things are much better.
My older 2 are working hard at their jobs and maturing


Things that suck...
Don't judge me by the size of my paycheque.
all of our siblings.



8 comments:

Lena said...

Don't worry what others think. You are doing great, you are right on track with your goals, you have peace at home and a cushion to fall on, and that's what's important.

B-Kat said...

Thank you Lena!

Anonymous said...

Good for you! You are living out the fruits of all your hard work. I don't blame you one bit for not sharing your bottom line with the family - sounds like doing so might be inviting regular requests for bailouts. Enjoy your time at home!

Sarah

Out My window said...

You and I have the same life. I too have been criticized and made fun of by siblings on both sides but I think we will come out on top!

Jane said...

I couldn't agree more! People look at me like I have 3 heads when I tell them I'm retiring two years early on a reduced pension. Even though I own two homes and have no consumer debt. Even though I maxed out my RRSP every year since I can remember.
Time well spent is more important to me than a brand new truck. You are doing great and I think going to a 3/4 part-time job is fantastic!! You obviously have your house in order!

BrightenedBoy said...

It doesn't sound like you lucked out in the family department. Steady and dependable always wins out in the end. You'll have the things that matter--security, education for your children, a fulfilling career--while they have shoes.

Anonymous said...

Congrats for staying true to yourself and creating the life you want! You're a big inspiration!

Sharon said...

B-Kat,
I'm just catching up with blogs, and this post makes me smile. Good for you for doing what is best and not listening to others. People will be very jealous of you when they found out your money choices in the past allowed for you to take fewer hours. Keep on keeping on...you are doing great!! :)!