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Twin Update

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Several BAD readers have asked for a twin update. This is more of a personal update than a money update, so please skip if not interested.

Back Story

For new readers, my twins are 19 years old. They were placed with me from the US Foster Care system two weeks before their 13th birthday. After a tumultuous couple of years waiting to see if they would go home, they became my boys legally just before their 15th birthday. They were already children of my heart.

History Buff

History Buff decided not to move to Georgia with us. He ended up not completing high school and moving back in with his biological mom. Unfortunately, that did not end well and he’s moved around a lot.

It was a really rough year and a half for him. We have kept the lines of communication open and continually offer to move him down.

For a while he worked for a family friend in construction. He is now living with some friend’s and working at a local movie theater. He just purchased a “new to him” car with his tax refund. A proud moment in his life!

history buff

Sea Cadet

When Sea Cadet arrived he was at the 3rd grade level of math, and was considered special needs in the public schools. Their goal for him (which I learned at the first ISP meeting) was that he ride the public bus alone. I was shocked and horrified, and knew he would do so much more!

You can imagine my pride when he graduated high school this year with 28 college credits. He graduated with a regular diploma! He put in the work, he didn’t give up and he never let what others said keep him down.

Sea Cadet was certified for a 504 Plan when we left for Virginia (facilitates accommodations for school and work for his special needs.) But we agreed that we wanted to give it a go here without them.

He worked part time at a local coffee shop here in Georgia. And has now returned to Virginia to work at the Christian summer camp. He has worked there for the last three summers and loves it!

College Bound

When he returns in the fall he is registered to complete a EMT certification program. It requires three consecutive semesters, so he will not be able to return to the summer camp next year. After that…who knows!

I am unbelievably proud of Sea Cadet. He has blossomed here in Georgia. Begun to take on adult responsibilities, managed his schedule, registered for his college courses and followed up on his financial aid.

Financially, because he was a special needs adoption his college expenses are paid for with government aid (grants not loans.) Our goal is to get through his college years with no debt. He and I have talked extensively about what that will require.

He is also saving toward a new car since he totaled his car last fall. Thusfar, we have done okay sharing our one car. For graduation, my parents and four siblings are giving him money towards the car. We are hoping he can afford a “new to him” car in the fall.

sea cadet with graduation cake

When you Find an Extra Money

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I remember a time very clearly when I was cleaning out an old binder and stumbled upon a hidden stash of money. Or those times when you are cleaning out the pockets of your laundry and find a wadded up $20. Finding extra money is always a blessing.

Many times, I can quickly recall when I put that money there. But every time, I do a little jump for joy at finding some “extra.”

Bookkeeping Error

bookkeeping

As you know, money has been very tight around here. I am pinching pennies left and right. Borrowing from peter to pay paul. And sometimes taking things a bit too far.

What I haven’t told you is that our water was cut off last month. Now don’t jump down my throat, read the details first.

First, it was off for less than 5 hours. But it shouldn’t have happened.

I schedule all my payments through my bank account. I have learned the hard way, now to schedule a payment until I have the money in the bank. (Clients do not always pay when they say they will, so I no longer count the money until I have it in hand. Although I use forecasting to know what I expect to come in and when.)

This particular bill is due on the 10th of each month. I was not able to schedule the payment until the 21st (and then it takes a week to arrive.) So the check was literally in the mail.

On the 25th, we woke up to no water. I was 15 days late, and had not ever been late before. They had cut my water off!

I was able to call them and make a payment over the phone and they turned the water back on within a couple of hours. But wow, that taught me a lesson about being late with the utilities here!

Fast Forward to This Month

The payment for the water bill is still due by the 10th of every month. I scheduled it to arrive on the 6th.

Since then, I have been watching to make sure the check was cashed, and I was not at risk for having my water turned off again. And I waited and I waited.

Today, I started to get nervous as we approach the 10 day past due period. Before I called the utility company to confirm they received it, I decided to check the bank one more time.

And there is was, cashed on the 6th. I don’t know how I missed it!

But I am not at risk for getting our water cut off again, and I have an extra $108 to spend. (I track my day to day availability on an Excel spreadsheet which I also use to forecast. This lets me know what’s coming up and how what I do today will affect the future months out.)

It’s not quite the same as finding a stash of cash in a binder or hidden in the pockets of your jeans, but I’ll take it. Every little bit counts!

The old Hope would have blown this money. The new Hope is laser focused on what bill I can pay or debt payment I can make with it!

Have you every had a tiny and unexpected windfall? How did it make you feel? And what did you do with it?

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