Tag Archives: household

The end off the cuff budgeting…

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I’ve never been much of a budgeter. That’s not to say I don’t keep an eye on cash flow and know more or less what’s coming in and what’s going out. However, sitting down and putting together a real pen and ink budget has all the appeal of a back alley root canal.

Having said that, I couldn’t help but notice that the spate of vet bills coming through these last four months has put more than a little bit of strain on my mental accounting. In fact, keeping the accounts balanced put me in a highly unusual (and disagreeable) position of either needing to sell assets or take on debt to float the bills until inflow caught up with outflow.

I’m a collector by nature, so the process of acquiring things has always come easy. I’m less comfortable when the time comes to sell some of those things off – even if I picked them up originally with a vague plan that someday I may need to convert them to cash if I ever found myself pinched. I know many people enjoy that side of the process as much as they do acquiring things in the first place. Not me. I tend to acquire and then hold on grimly.

With the current, almost punitive rate of interest on consumer borrowing, though, letting a few things go was the lesser of two evils. Maybe it’s only lesser because I know full well I’ll end up buying them back whenever the opportunity presents itself in the future.

The point of all that is to say I’m finally coming around to the idea of putting a bit more academic rigor into my household budgeting process. The personal finance gurus would probably disagree, but step one is funding a much more robust “self-insurance” account for future veterinary expenses – the one thing I can find that consistently blasts gaping holes in my operating budget. After that, everything else just sort of takes care of itself… or at least that’s what the numbers seem to be telling me.

What Annoys Jeff this Week?

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1. Gender specific household chores. In the last week I’ve seen a literal shitload of social media posts boohooing that traditional “women’s work” is unappreciated in the household. Yes, I’m sure these posts are directed at a certain sub set of the population that largely includes households that consist of two adults and a few spawn, but honest to God my reaction is almost universally “Oh just shut the hell up.” If I don’t do the “girly” things like cleaning, laundry, grocery shopping, and making of doctor’s appointments those things don’t get done. If I don’t feed the dogs, cat, and tortoise they don’t get fed. Likewise if I don’t do the “manly” things like cut the grass, change the oil, clean the gutters, and do the other household maintenance, those things don’t get done. If I don’t drag my ass out of bed and into the office 40 hours a week, there’s no money to do any of the above mentioned activities. You see, I’m an adult. I do the things because that’s what being an adult means. There are days I’d love to have the luxury of dividing it vaguely near the middle and calling some of it someone else’s responsibility. The fact that somewhere out there many pairs of grown ass adult humans apparently can’t figure out how to each do approximately half the things I somehow manage to do on my own ranks somewhere between appalling and infuriating.

2. Pet owners who shouldn’t. If you need to be told to bring your pets inside during a hurricane you are an absolute fuckwit and would do the world a considerable favor by tying yourself to a bundle of cinder blocks and letting the storm surge have you. I’m willing to accept no excuse of stupidity, poverty, or unavoidable circumstance to justify your ineptitude to provide even the most basic level of care for a creature that relies solely on you to provide for it. In the benevolent reign of King Jeff you would be drug into the street, given a fair trial, and then summarily shot and left where you fall.

3. Internet experts. I love hurricane season because it’s when the internet experts in material acquisition and distribution logistics all come out of the woodwork with an “opinion” on how to a) get the right stuff and b) move it to the right place at the right time. I won’t go into my firm believe that these are the same experts who are personally challenged to execute their weekly trip to pick up family groceries and who’s greatest logistical achievement to date is packing the family truckster for a week long roadtrip to Wally World. My point is, it’s fine to have an opinion, you’re entitled to it… but it’s always best to try not to sound like a complete idiot while you’re having it.

Doing stuff…

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I’ve mostly accepted that aside from making a quick stop to top off groceries or for fuel, weekdays are going to be mostly consumed by going to, being at, and returning from work. By the time I get home, tend the herd, and have a bit of dinner, my brain has pretty much turned to mush. All I’m good for after that is mixing a decent drink and maybe a passingly interesting blog post.

The weekends, for their part, aren’t much better with their time eaten up with errands, cleaning, yard work, and generally keeping the homestead from falling down around my ears. By the time that all gets knocked out, it’s usually already late Sunday afternoon.

What perplexes me, and in fact makes me a little bit jealous, is how other people seem to carve out time to actually go do things for recreation. Of course I’m not likely to show up in a stadium full of people, but I wouldn’t mind so much getting out to stomp around the high ground at Gettysburg or take the tour at Independence Hall. Those things take time, though, and I know the minute I pull out of the driveway my mind is already going to ticking off the things that are lurking around not getting done.

I’m telling you folks, inside my head is a damned strange place to live sometimes.