I feel like I need to write. This week has been a mix of incredible and overwhelming anxiety.
This week was my first week of 4 day workweeks, something I asked for to help with these trying times. I was given approval by my manager and center director to do so. I don’t know how long I will be doing this, but for the time being I need it.
I have been putting off some much needed maintenance on my Jeep. I need to change the spark plugs badly. It seems like every time I psych myself up to do it I chicken out however. I don’t get it. I did get around to changing the differential fluid on both rear ends today. I don’t know if it was a fluke or what but the front would only take 1 quart. The rear 1 1/2 quarts. They should take much more.
I love the fill and drain plugs of the Dana axles.
One day while at work I received a call from my mortgage company. I’m thankful they were able to help me keep my home at a time when all the odds were against me. They have called me many times with offers that were of no benefit to me, just another sale for them. This time it was different.
With the economy in dire straits, and my credit card debts only increasing, this changes the ballgame for me. It rolls all of my credit card debt into a refinance, lowers my interest rate by 1.26% AND my payments with escrow stay essentially the same. This is a financial grand slam as far as I’m concerned.
This will relieve me of over $500 in credit card payments a month alone. It’s not that I couldn’t pay them, but the removal of those stressors is a welcome sign. The only downside to this is resetting the 30 year countdown on paying the debt off, and increasing that particular principal owed.
The elimination of the other higher interest debts really balances it out however, at least to me. With my paycheck not getting any larger anytime soon I need to make some strategic financial moves to ensure I stay in the green and actually build a savings holdings.
Last year my neighbor bought a fishing boat. It’s nice and similar to what I would choose to buy if I had those funds. He’s in his late 70’s and most of the time takes his wife out for cruises on the lake in it. She often takes selfies of them and it’s adorable.
After talking with him the other day, he seemed a little sad that people of his age are dying off, he’s losing friends. He wanted to go fishing, something his wife doesn’t exactly like. I told him to let me know – and I’d be happy to go with him. He asked, and today we went for an early morning fishing session at Lake Monroe. As soon as he asked, I sent an email to my boss stating that I would be taking the day off, and while I monitored goings on I was able to be care free.
The weather has been cooling off in the last few days, which has made it nice for me. I wish I would have gotten a picture but the lake was covered in fog when we got there, it was absolutely beautiful.
You can sort of see the effect here.
I haven’t even been on a boat since I was young, let alone went fishing on one. With my trusty Zebco Bullet .22 fishing pole that I’ve had since I was about 13 we got to work and eventually found a cove where the fish were biting, and hard. Every time I tried to set the hook however, nothing. Then surprisingly, my hook was gone! That dang fish took my hook!
The scene of the crime
We then trolled up the shoreline (he had never used his trolling motor) for a while. I kept casting, but wasn’t getting any bites. Then we both decided we needed a bite of our own, and decided to pack up and grab some grub. Deciding to go to Cloverleaf and we both decided on a full order of biscuits and gravy.
When I first moved into my home in 2006, he came off as the kind of person you try to avoid. Over that time, he’s seen the highs and lows that have come with my life which I believe has led to a softness he doesn’t show everyone. Thank you Bill. Today probably meant as much to you as it did to me.
There’s a commonality between many American’s these days. We are all just one emergency away from disaster. Many are living paycheck to paycheck, or the newly minted direct deposit to direct deposit.
This year, the drainage work I had to have done was enough to break my budget. When this pandemic struck, my salary was also cut by $1750 a year, with overtime eliminated.
Most recently, my daily driver has required much. The brake replacement costing $700, I still need to perform the 100k mile tuneup. While I have already acquired the parts needed, being spark plugs and intake plenum gaskets, I have extreme trepidation about performing the task. The fear of the unknown has always been one of my largest fears.
As if life wasn’t giving me enough to deal with, something happened with my washing machine. I’m not an expert in electronics or in major home appliances but all of the things shown tell me it wasn’t good.
I first discovered a trail of water in my basement in an L shape from my basement garage door to my washing machine. From there the possibilities were endless, that was until I opened the washing machine up. It was completely full of water. It was overflowing, causing this leak into my basement.
I borrowed a pump off of a friend who had lent me a pump when my basement was flooding. Thankfully it fit into the old washing machine, which was just a $75 Craigslist special. When I bought it, I promised myself that I would not be doing this song and dance again. I wanted to purchase something new and something that was Energy Star certified.
But first, I had to correct the issues. The water valves were leaking and would not shut off fully.
I couldn’t even remove the hoses
I did not want to replace these valves with the same thing. I wanted ball style valves without a flange for wall mounting. Thankfully when whoever set this up originally, they attached these with a threaded fitting, making replacement somewhat easy. Finding the valves I wanted ended up being a task however. The major big box stores did not have any. Menard’s said it was special order, Lowe’s stated they had 6 in stock online, so I place an order before I went to bed. By the time I woke up, that order had been cancelled. This is the second time this has happened to me when ordering something online from them.
I had a meeting the next day and as luck would have it that meeting took me into the direction of a small True Value hardware store in a town where I used to live. They had the valves I needed, but they were double the price.
So with the old washing machine cleared of water and moved out of the way, I got to work removing the valves. I had to put a fair amount of thread tape on to seal the valves, redoing one of them twice. But they function much better than the ones that were existing.
The correct term for these are “Hose Bibs”
I then needed to do the thing I was dreading the most. I had to get rid of the old washing machine, and the old dryer I had replaced but never taken off. I also had 6 brake rotors sitting around from all of the brake work I’ve done in the past year.
I have my dad’s truck, but it’s currently not operational or road worthy. Most in the area charge to haul things off, no matter what the size. This has always stricken me as odd, as they receive money for scrap on these items. So I reached out, and a friend very openly let me borrow his truck. In kind, I left my Jeep with him. I’m not a fan of taking things from others and leaving them without.
My body is in horrible physical condition, and as I’ve learned it’s becoming weak. It made me happy to be able to accomplish this task.
I received $16.55 for this in scrap
When finished, I filled up the gas tank of my friends truck in appreciation. He uses it a lot for his work and drives a lot. I would much rather help someone I know than rent a piece of equipment and give money to a corporation.
Then it arrived, the new washer I bought. At first I was a little overwhelmed. I’m not used to having such nice things to handle such tasks.
I had the delivery men take it out of the box and leave it in my garage.
It was a bit hard to get it into my utility room. The feet on this unit don’t allow it to slide like most washing machines that I’m used to. So I had to carry it. With new everything, the entire installation went very smooth.
The contrast is now obvious and clear however. This new machine has more than double the capacity of my old one. It automatically senses the load size and can be started with an app.
Thankfully I was able to get this on an 18 month no interest offer. I hope to pay this off quickly, then purchase the matching dryer. That will require some more upgrades, as my dryer outlet is a 3 prong, and new dryers require a 4 prong.
As it’s been for a while, I’m just living for the future, when some of my debts are paid, and the difference between living and surviving becomes clearer.
