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Hope’s Anticipated Spending – Week of 9/28

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Our house is in chaos these days. Lots of upheaval and change, some expected, some not. But thankfully, I’m still able to keep my eye on the prize of getting out of debt as quickly as possible.

I’ve made some decisions that are going to get me in hot water with BAD readers this week, but I am at peace with them. More on that below.

Here’s our planned spending for our first week of No Spend October!

Anticipated Spending - Week of 9/28

DescriptionAnticipatedActual
Income *after taxes$576
Gas($35)
Volleyball - entrance fees($5)
Princess - camp savings$178
Rent($650)
Camp Payment($178)
Utilities - water, sewer, trash, gas($127)

Total($240)

Note for this Week

  1. We are going bare bones this coming month. No extra on anything. My only debt payment that would have been due this week is the tax debt. But since I’m ahead on it, I do not have to pay it this month.
  2. While this week’s numbers make it looks like I’m upside down, I’m not. I have cushion to cover week’s that I don’t make as much as I spend. And the first of the month is always a high spend one since most of my monthly bills are due then.
  3. Tuesday is Princess last high school game. We are both ready for the season to be over, but she has made some great friends which I believe will last a lifetime!

Homeschooling x2

This week I made the very hard decision to pull Gymnast out of public school. It was not what he or I wanted. And I did not make the decision lightly. There is lots of back story, but the bottom line is that the constant threat of violence and assault wore me down.

He has been physically assaulted on multiple occasions since starting at this school in January. And this past Friday night (not yesterday, the week before) he was ganged up on while attending the Friday night high school game. (His beloved phone was shattered, and he ended up having to spend the rest of the game sitting with police to stay safe. Thank goodness for good friends who got him away safely.)

The school’s response was “we talked to them and told them to cut it out” and “those boys can no longer attend football games.”  But I’m sorry, that’s just not enough. He and I have received threatening messages via social media, and the worry was driving me crazy. And frankly, the stress of it was altering him, and not in a good way.

So for now, I will be homeschooling him. And I feel terrible about it because he LOVES the social aspect of school. But I will tell you, in just the two days since the decision was made, he is “lighter” than he has been all year. I can visibly see the reduction of stress and fear. He is smiling again, he is laughing again and he is playing and joking and wrestling with his siblings again. Seriously.

Financial Implications

I have all the curriculum I need. Thankfully I did not get rid of high school type materials because I thought the kids could use them as resources. He will be eating at home more often (both breakfast and lunch are offered at the middle school for free due to the extreme poverty in this area.) But otherwise, I don’t expect much in the way of finances.

This is NOT a PERMANENT decision. But it is a for now decision. And I’m at peace with it, although hate it for him.


Hope’s Anticipated Spending – Week of 9/21

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My parents will be here for most of this week. But even last week, we spent most of our time at my Grandmother’s visiting rather than being out. Which means, not only am I not spending any money, but I’m not having to cook alot. It’s a nice break!

As we really get into the No Spend mindset, I’m already seeing a change in my own thoughts as I think through the week.

Anticipated Spending - Week of 9/21

DescriptionAnticipatedActual
Income *after taxes$464
Gas($35)
Volleyball - entrance fees($5)
Sea Cadet Insurance$50
Furniture for History Buff??

Total$474

The only notable expenditure this week is my unknown costs for getting History Buff settled in. At this time, he anticipates moving down from VA on Sunday.

History BuffWhile I’ve got a closet for him, I do not have a bed. I don’t know that I will get to it this week but I wanted it in the anticipated spending just in case. For now, he can sleep on our couch.

But there are going to be some costs with him moving in, and I’m not certain of them yet. Make no mistake, we will keep them to a minimum.

If you are a praying person, please pray as we adjust to a new normal with History Buff moving in. This change is going to take some adjustment from everyone. Any words of wisdom from parents who had an adult son return home would be greatly appreciated.

 


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