Category: Finances

  • better

    Thank you to everyone who reached out after yesterday’s post. I will be okay.

    Today has been better; I still slept in until 9:30 and didn’t get up until nearly 10:30. Jared is gone to a day conference and left about 6:30 this morning but he made sure the boys were up and getting ready and I got up and took my meds and stayed up until the boys left for school.

    One of the BIG bonuses to having a teen driver in the house is that he can take his little brother to school. We ask him to do it as little as possible, but this morning it felt necessary.

    My solitary task for the day, the one non-negotiable, is that I have to get Oliver from school, after school today.

    And I suppose if I’d had to I could have done it in my jammies– or more accurately– the clothes I put on after my shower last night. Most of my clothes double as jammies; one of the bonuses to living in leggings.

    But, when I got up, I came out and got myself some plain greek yogurt and walnuts for breakfast. I sat down at my computer and I did my gratitude list for the first time since October 21. I actually journaled, as opposed to coming straight here to blog.

    Things on the gratitude list for the day:

    — I am grateful it was a Democratic sweep yesterday

    — I am grateful for Abby

    — I am grateful we have plastic to put over the windows because of the cold

    — I am grateful I have the luxury of being bored

    There were 50 things on my list, but you get the idea.

    And then I remembered my Minolta lenses, and went to read a few reviews between the 58mm 1.2 (a lens I used to have and sold) and the 58mm 1.4 (a lens I currently have) and got the lens out and put it on the GFX:

    And obviously, I took a photo of the GFX with the 58mm lens on it, with the X-S20.

    And then I took this photo of Trixie, with the GFX:

    I do love Minolta lenses. And this one works in regular crop, so I don’t have to use the 35mm crop setting on the GFX. See the above photos? They don’t have the same dimensions because the top one is APS-C and the bottom one is medium format.

    And then after poking around online for a while…..I got myself cleaned up. And then I sent this photo to J:

    And along with the photo, I sent this text to J:

    “I cut on my hair so that it is now all close to properly one length; most of the layers including the thin section at the back of my neck are gone. Back to properly chin length but it felt good to give myself a haircut.
    And I got a shower. And now I am about to warm up 3-day old coffee.
    I feel not quite myself, but almost.”

    The hair thing: I desperately want long hair. But my hair is extremely fine, and thinning by the day. So chin-length it may be. Regardless: now that it is all one length, it is so very obvious that my hair definitely needs absolutely not one single solitary layer in it at all. Too thin for that.

    And yes, I do feel almost myself. A pizza is about to go into the oven for Oliver for when he gets home from school, and after I get him I am going to set to work about finishing the plastic-over-the-windows projects in both our bedroom and the living room. There is an awful lot more to do window-wise– the rest of the house– but if I can just get the hole in the plastic Trixie pierced the other day in the living room and the final door in the living room, along with the second window in our bedroom, it will be a successful day. I am determined to get most of this project done before the extreme cold hits next week.

    Tomorrow is the diagnostic mammogram with potential ultrasound. I’m trying hard to not think about it.

    If you’re new here, you can read more about me here.

  • i am not okay

    Jared and I joke about my “sleep emergency” tendency a lot, both to each other and other people.

    But it is a real thing. And it turns really, really dark if I ignore it.

    Last night was one such occasion. And it has seeped into this morning.

    In a matter of minutes I go from feeling relatively okay about my life to feeling like I am a literal waste of space on this planet.

    And, I cry myself to sleep if I am lucky enough to fall asleep.

    And the next morning, depending on things, is not good.

    This morning, for instance, I had my alarm set to take Oliver to school. And I took my morning meds. But I climbed right back under the covers. I did not go check on anybody. Jared was already up and taking care of things because he probably knew I wasn’t going anywhere this morning.

    After tending to me for a few minutes before he left, Jared encouraged me to think of this morning as a “refresh,” not as “hiding.”

    We both knew I was hiding.

    And, I didn’t go anywhere to help get anyone to school. I didn’t leave the bed until about 9:45– about 20 minutes ago. Jared took the car because it is not good to take Oliver to school on the scooter when it is this cold outside, and Liam drove himself to school in the other car.

    And I won’t go into all the reasons my life is sucky right now. I know to a lot of people it wouldn’t make sense that I view it as sucky. But to me, it’s pretty dark at the moment, even as I sit here with my light therapy lamp on.

    I try to clean it up sometimes. Both the state of the house and the state of my inner being. It just always ends up a mess again.

    Because here’s the truth, for anyone who might actually read this besides the internet bots:

    I sit in my house all day, every day, alone. My phone never rings. Ever. Unless it’s Jared or once every couple of weeks, my good friend Dena (who is really one of the best friends I’ve ever had in my life). Or random telemarketing bots. Nobody texts me except Jared, or occasionally Porter, or occasionally every few weeks my friend Sam (also one of the best friends I ever had in my whole life). Or random telemarketing bots. I don’t get emails except group ones related to church, or spam asking me to spend money we don’t have. My own family doesn’t even call or text me, generally.

    And I’m sorry: I generally consider myself a decent friend to others.

    But in the darkest of the darkness, which now apparently qualifies, I sit here in tears and wonder why, what is wrong with me, that I deserve to spend what should be the prime of my life sitting in my house, all alone, with nobody in the world besides my husband caring whether or not I am lonely at all?

    And that, that is why I cry myself to sleep sometimes, saying to myself that life is just not at all worth it. It’s not the severe money problems that I blame myself for because I don’t have a job and haven’t had a good one in over a decade. It’s not the “keeping up with the Joneses” mentality that I have to fight because I was conditioned to be this way from infancy because that’s just how my family of origin is.

    And yes. I could get out of the house. But literally anything I would do would cost money– gas money if anything– and we are in such a shape that I cannot afford even random once a week coffee out right now.

    I wasn’t kidding– if we could afford to sell the house right now, my dream house– I would. It’s that bad. As I sit here: We have a broken garage door opener. We have plastic over the windows because our energy bills are regularly $350 (more than, it’s $350 because I signed up for flat bill) because we need new windows and new double doors in the living room. We have a dual wall mount oven and microwave combo unit that has had chicken nuggets nuked to oblivion for nearly 3 years in the microwave portion because the door to the microwave stopped working, and then eventually the whole microwave itself stopped responding, but the oven works so we just bought a new microwave to set on the counter instead. The flooring we put in is delicate– we need to have someone come in and repair a portion in a bedroom even though we have the flooring. We have a leak in the shower in the boys’ bathroom. The garbage disposal needs replacing. The air conditioning hasn’t worked in Liam’s car in over a year and a half.

    We really cannot afford to fix any of it. And I’m out of expensive toys to sell that won’t harm my mental health.

    And there’s more debt than I will name here that we will be paying on for years and years, which is why we can’t just take out loans to fix all of the above.

    And I stupidly seek out drama as a way to soothe some portion of myself that feels not alive anyway, as I sit in the house and have no life while the world turns outside. And that drama turns into uninvited harassment, which I then blame myself for having invited the drama into my life all over again. And I tell myself I deserve it.

    And I’m sorry: therapy just will not help loneliness. I need more than just the professionals in my life. I need a sense of purpose. I need a decent income. I need a miracle, honestly. I’m not afraid of hard work.

    And so I sit. And I cry. And eventually the despair will pass.

    And when you see me in public, I will have a smile on my face, and I will say I am better, when you ask how I am doing. And that part won’t be a lie, because I will make myself better in order to even be in public.

    And maybe I will be better. Or maybe I just will publicly deny that I know I am headed next time I go home to sit alone while Jared works, while I have nothing to do while my relatively brilliant mind rots away doing nothing except making hand-type crafts which nobody really wants, and typing into the ether that nobody probably reads, either.

  • the reckoning

    It’s been a year.

    Not in the whole chronological sense….I mean, of course I am aware that in general, a year has passed in my life.

    But I mean…. it’s been quite the year, in an emotional journey sense.

    2025 has been hard.

    This has been the year of the financial reckoning. I was burned out and floundering and not doing well mental-health-wise which led me to close down the photography business. But also: the photography business was an unsustainable financial venture, and keeping it open greatly added to our debt every month.

    I’ve been through our budget time and again over the months. We’ve used YNAB for years– since 2012– and all this time, I’ve kept track of where our money goes. It’s just that most of the time, I overlooked credit card spending. I was focusing more on the emotional wants and feeling like I needed to spend both to quell the overwhelming terror and urge to figure something out professionally, but also to stuff the overwhelming sense of boredom in my life.

    And all that messiness came out in gross overspending.

    And so here I am, and it’s the last days of October, and it’s month five of actually attempting to be responsible.

    I spent a grand total of $22.39 this month on nonessential fun stuff for myself. That’s major progress. I bought a couple of skeins of yarn and some more antique resin cameos for necklaces and rings.

    It’s not enough. Not spending is not enough to clean up this mess.

    At this point, if rent were not so astronomical everywhere, if we hadn’t bought our house with a 2.875% interest rate and if the real estate landscape were not pretty atrocious right now, I’d probably be trying to figure out how to get our house on the market, to pay off our debt, because that’s probably going to be the only way out.

    Not an option at the moment. We couldn’t afford to live anywhere else.

    We need more income. I need a job.

    And I’ve sent out tons of applications. I had an interesting offer last week, but the whole operation reeked of shady, and I’ve learned that I have a pretty stellar intuition about people so I said no. It was interesting not in the “this would be a fun job” sense but in the “I’m not sure this is a legal operation” sense.

    At the same time as the financial reckoning, I’ve been seriously working on my mental and emotional health.

    I’ve been facing some long demons head-on.

    It’s not been easy. Progress is not linear.

    I went to bed afraid of someone last night and didn’t sleep well, waking up unable to go back to sleep at 3:45 AM this morning which is why I am drafting this post at 5:30 AM.

    That’s just my life.

    Jared and I have been talking about the what-ifs of life lately.

    Like, what if I ever had to live in this house on my own, without him.

    And Jared is not sure I could do it, because I am so fearful.

    And he’s right– I like to think I wouldn’t have to leave the house to go live with family or someone else, but I don’t even like to turn out the lights in the house for the night by myself.

    My fear is that intense, and it’s always worse at night than during the daytime.

    In the daytime, it’s manageable.

    But at least this morning, I can cry, which is progress.

    Because there are times that I’m so emotionally numb– most of the time, actually– that the tears don’t come.

    And while trying to clean up the financial front of life, I’ve also been attempting to dissect, at the most very basics of levels, the trauma bonds that have kept me in bondage for most of my adult life, since last December.

    It’s been messy, and honestly it’s been a miracle at times that I haven’t landed in a psych ward. That’s all I really care to say about it.

    Except and this morning, I am angry, and I feel hurt, and slightly stupid, and I want retribution that will never come.

    But, I do know this: Karma is a bitch.

    So, I bide my time. And heal what I can, as I can.

  • hair story these days

    Me in June of 2021

    ***This post contains affiliate links***

    Time for some shallowness and navel-gazing (not that all my posts aren’t mostly navel-gazing)….

    The photo above is me in June of 2021. I’d shaved my head in July of 2020 after I bleached my hair beyond repair the month before. I was probably also 50 pounds heavier at the time.

    Just so people know…..if you decide to ever shave your hair you might love it. But also know: working through the first little 3 inches or so of grow-out phase is really, really, really hard. Which is why I was mostly bald and had super short hair through June of 2022. Just saying.

    It’s been a process, honestly probably, shaving my hair was an awesome thing to do because in the process, I learned how to cut my hair myself.

    I’ve had probably 4 professional haircuts in the last 3 years total…..I had one in June of 2025 and the one before that was in July of 2024.

    Just so y’all know….Justin Hickox on YouTube is great for videos on how to cut and give basic small layers in fine hair like mine.

    I picked up some regular cutting shears, and some texturizing shears. And while my hair was super short I was still using Jared’s trimmers on my neck.

    Secret fact that’s not so secret: I still mostly use the trimmers sometimes to cut my hair, especially now that I mostly want a blunt cut. It’s a lot easier to get a straight line in the back holding the mirror.

    Layers can be cute for short hair but the last time I had nearly shoulder length hair my hair looked so thin and I know now it was because it had entirely too many long layers in it. That might change if my hair gets beyond shoulder length, but not holding my breath on that. I’m aging and my hair is thinner and graying in odd places, which also makes it look thinner.

    As far as products, it has been an evolving system.

    For a long time I was using the entire L’Oreal Professionnel Pro Longer System.

    Now, I use plain V05 shampoo from Walmart (I think it’s $1.99), and Trader Joe’s 3-in-1 shampoo, conditioner, and body wash. I wash once with the V05 and once with the 3-in-1.

    My hair tends to look greasy fast with heavy conditioners. I do use the L’Oreal Pro Longer conditioner every once in a while since I still have some….but probably not more than once every two weeks.

    I’ve never been one to really use leave-in conditioners, but I picked up some Mixed Chicks leave-in conditioner at Publix and I do actually kind of love it. My hair is mostly straight but as it gets longer it has a sort of wave in the underside of it. But regardless, the Mixed Chicks conditioner is by far the lightest conditioner I’ve found.

    Now, I use the Mixed Chicks conditioner most days, and I mostly focus on the hair below my ears.

    Very occasionally I also do still use L’Oreal Elvive 8 Second Wonder Water in place of a conditioner, but I do this even less often than I do the L’Oreal Pro Longer conditioner at this point. I like it and it takes only a very tiny little bit with with my hair still being just below chin length, but I just don’t feel like I need it very often.

    I’ve stopped using most of the L’Oreal Pro Longer line, but the one product I will continue to use daily is the L’Oreal Pro Longer Heat Protectant Cream. It is pricy but it is a 10-in-1 and I love the way it makes my hair feel. I mostly focus on the hair below my ears with this too, but I am less worried about it with this product.

    I will say, with both the Mixed Chicks and the L’Oreal Heat Protectant…a very little bit goes a very long way, which is why I don’t mind the higher price.

    Now that my hair is longer I am also back to using Kenra Sugar Beach Spray 7 as a texturizing spray instead of a salt spray. I like the way this make my hair feel too, and it adds a little body.

    Best of all: I was a militant curling iron user from my teen years clear through adulthood.

    I wish I’d stopped long enough to pay attention to my hair’s natural behavior to see that all I have to do is point the hair dryer at my ends and my hair curls under naturally. I don’t really even have to use a brush to get it to look that way. I guess it’s the natural wave, but it’s way easier on my hair than the curling iron is, for sure.

    My goal for this season is to resist trims until after Christmas. That’s the issue with having the hair cutting tools and knowhow at home: It’s really easy to just pick up the shears and go at it, but that means less length over time. It’s why despite letting my hair grow since 2023, it’s still just under chin length.

    So anyway, that’s the hair story these days.

    If you’re new around here, you can read about me here. Have a great day!