Showing posts with label money trouble. Show all posts
Showing posts with label money trouble. Show all posts

Tuesday, June 24, 2014

Homeward Run


I'll keep on the theme Soaring Spirits Loss Foundation has run on their facebook page for International Widows Day - what I've achieved since Ian died. 

Well, working on achieving.

One of the big changes I made was to go back to school.  I knew my job would end about 12 months after Ian died, and I opted to work towards a change in direction.    But one semester into my 2-year accounting course, I was a bit unsure if it was the right direction, even though I'm getting decent marks and enjoy the studies. 

I stumbled across Financial Counselling, which here in Australia is offered as a free service by social services organisations to help those struggling with low income and/or significant debt  - a combination I've heard so many are facing in the widow community.  The financial counsellor works with the client to come up with strategies and plans to stretch what they have as far as possible, or get on a path of paying off the debt.  So I added a 6 month, on-line course for that this time last year.  Insanity - two qualifications at the same time! 

This week, I got over a hump that had me quite negative about the financial counselling - I passed the counselling skills face to face practical module.  I tried last year, but John was sick on the assessment day, barred from child care and I didn't have alternate care for him.  Then I personally found the alternate assessment they set up for me a negative experience that had me struggling to even fire up the course page. So I opted to repeat the face to face element.   It looked like this round was going to be a "John is sick, I can't do it" repeat, but thankfully I had another care option this year.

I've learnt a bit about myself doing both qualifications - I enjoy the numbers and strategy/technique side of both. I am soooo not a counsellor who could do one on one counselling, but I have a passion for financial literacy and improving that generally in the community. 

So I'm now on the homeward run to wrap up the financial counselling course since I've only got 7 weeks to go.  And this is the community education module, and my face to face widows group have agreed to sit through a session so I can complete the requirement!  You never know how your widow friends will help you, or need your help.

It will be interesting when I finish; something I've thought about as I've progressed through this short qualification.  This will be one of the first big, significant taking the bull by the horns life directions change things I've done, start to finish, since Ian died.  That he never knew about, since I had no idea I'd go down this path and probably never would have if he hadn't left us. 

And I'm not sure how I'll react when it's complete and I have that parchment in my hand.

Friday, December 17, 2010

two hands where four are needed

I recently found a "Don't Sweat the Small Stuff Workbook". It is full of quizzes and exercises to force you to look inward at yourself. This introspection makes me realize that I am pretty 'normal' if not, less 'sweaty' than the average person. I've been really enjoying 'getting to know myself' in the 5 minutes I take now and then to complete a section. And it's interesting to compare 'me' now to 'me' before.
I am much more chill than I once was. Less worried about many of the problems that plagued me before Jeff died. That's not to say that they don't annoy/pester/frustrate/even terrify me - just less so now. Most of these issues will not kill me. They MAY force us to live in a cardboard box but, hey, at least we'd have a roof over our heads!
BUT when I read the tip the other night that directs you to do ONE THING AT A TIME, it made me jealous. That green eyed monster made me want to live the life of the people who have the luxury of completing one. task. before starting something new.
I know I felt that I was busy and always needed before, when I was a non-widow. But I was just a pussy.
I now cannot fathom walking down the hall without a pocket full of lego to deposit in my son's room, an armpit full of drawing tools to return to my daughter, a hand shoving the vacuum before me, a signed permission slip hanging from my teeth while dragging the laundry hamper along behind me on my way to the back door to stack firewood, fix the shed door and dig an irrigation ditch next to the driveway.
I am not sweating the small stuff. I am just trying to stay on top of two people's work with just two hands and one head. And sometimes, it really blows.

Sunday, June 6, 2010

Shhhhhh!!!




Shhh!
Do NOT talk about them.
Do not bring them up in conversation!
Pretend they don’t exist.


Proper widows talk about proper topics. These two topics are socially don’t-ask-just-assume-the-best topics. Only the bold among my friends will broach the subjects.

SEX and MONEY

Sex with a man I like is delicious, scrumptious, enticing, drug like, fun, exhilarating --- oh but wait. I, widow (female) am not too discuss that need, that need, at the age of 45, is alive and glowing in me because it’s not about making babies anymore. It’s about the sheer fun of doing it! I am not to converse about my need to be held, to be openly desired, to feel a man’s naked body up against mine. I am not to talk about how just imagining his intense breathing just ……yummy!
I am not to discuss my sexual need. It’s vulgar.

I widow, a mother to three poor grieving children who have lost their father so tragically is too angelic to consider her loins.

And then there is cash, moola, dinero, buck, dough.. M-O-N-E-Y.
Last week a good friend said “So how are you surviving anyway?” I laughed cause really I didn’t know.

The words “wing” and “a prayer” flitted across my mind.
Running out of it puts the issue of money in my face daily. And with it comes the shame.
The idea that somehow we mismanaged, lived to high, didn’t work hard enough, were foolish, not responsible…all of it presses down on me until it’s absorbed into my skin becoming part of my being.
I believe the whispers that say incompetent, fool and spender and then I look down at my three year old jeans, the ones I jam my ass into every summer.
Because if you are a hard-working, red blooded American you always have money. And because somewhere along the line of being that hard working red blooded American we learned how to manage money through….
osmosis.
And Rick Edelman, Suze Ormond and David Bach.
Not from my parents.
My husband not from his.
Today I am sucking that shit out of me.
We had six months of savings in an account like all professionals suggest. He had a retirement plan. Society says stay home with babies. What they don’t say is , it’s not worth paying you for your time.
His life insurance company unjustifiably canceled his account. (Yes lawyers are now involved…on contingency) His parents chose not to support their grandchildren with one single cent although they are very able.
Been working my business (private K-12 school admissions and financial aid expert) and its growing and searching for a job at the same time. There has been little space for me to “allow the grief to come” like some counseled. There were spots when I shoved it back down, deep and hard because I was on the phone with a client, taking to an admissions director or just had to figure out how to feed four on a not-even-well-balanced meal. There were doctor’s appointments that were put off. If it didn’t take so long to go to dental hygiene school (or cost so much) I’d go so I could clean my kid’s teeth. The teeth that haven’t seen those nice masked people with silver tools since 2008, months before Art’s cancer returned.
We budgeted. We stayed within that budget. Our credit card debt is below $3000. And yet the guilt borrows in, nesting in my essence. We must have missed something. If we did it all “right” I wouldn’t be trying to stretch a $10 into $100.
And I’m sick and tired of keeping this quiet. I’m struggling. I'm mad and I'm saying something.
I come out of the closet because
I
know
I’m
not
alone.
But shhhhhhh
Don't talk about it, I am grieving widow. It's undignified.
I vacillate between sweat-inducing fear and believing that “If I leap, the net will appear.” I have leapt, I have visioned and prayed and meditated and prayed again. Good has come my way…so many amazing gifts, Only umm, God? This time You seem to be cutting it a little close!
The fear of having no money grips me, shakes me and says “you need to do something NOW!” but fails to include details. I continue to take action, trusting that the ground is not coming up at me as fast as it appears.
And it all feels familiar, the fear, the anxiety, the not being able to see how I am gonna get through the next month or the next 5 seconds.
As I suck the guilt and shame from me, I find power, clarity, fire and a don’t’-mess-with-a-widow strength that is hard to contain.
I don’t know how this will work out. But damn it, my husband died last year. If I can survive his death. I can survive anything!
I am widow, hear me ROAR!